| 07/25/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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XXXX XXXX : A brief history I was born and raised in Colorado. After a few tries at college I decided to try a career as an XXXX XXXX. Growing up I had a flair for decorating. I had some initial success working for an XXXX XXXX XXXX in XXXX XXXX and before the age of 21, 2 of my projects were published in the Sunday home section of my local newspaper.
I decided to attend a 2-year program to become a XXXX XXXX XXXX. To pay for my schooling I went to work for a XXXX in XXXX XXXX. I feel in love with the profession. I worked for several florists in XXXX XXXX before moving to XXXX, Colorado. I was fortunate to work for Special event florists that recognized my talents and I began refining my personal style. In XXXX I won the XXXX XXXX of the XXXX XXXX at the State florists convention.
I met my partner XXXX after moving to XXXX Colorado in XXXX. He worked for XXXX XXXX, a grocery wholesaler. He was on the fast track to move to home office which meant we would be moving for several years. We moved to XXXX, New Mexico in XXXX, then back to XXXX for a few months then we moved again to XXXX, Alabama in XXXX.
For a few years I worked at a flower shop in XXXX, but I yearned to be part of the XXXX flower scene. XXXX has a storied flower culture. The wealthy ladies of XXXX went to XXXX to learn flower design and brought back the techniques that when coupled with the local greenery created an extraordinary culture of flowers and an iconic look called the XXXX XXXX. A handful of the original ladies who learned from their English teachers were even featured in a book entitled XXXX XXXX XXXX published by the XXXX XXXX XXXX. It would be XXXX in XXXX where I would I opened a tiny 400 sq. ft shop in XXXX XXXX. I drove an hour each way from XXXX to be part of that scene.
The shop in XXXX was only meant to be a way to express myself and keep myself busy as XXXX and I would be moving again. In XXXX XXXX found out he was XXXX positive. After an agonizing year of treatment that left him severely debilitated, he passed away in XXXX. At 30 years I lost the person who believed in me and my talent. Before he died, he borrowed money from his mother against what would have been his inheritance, together with savings and credit cards I was able to open my XXXX XXXX. He also knew the darker side of my personality. Back then I had what some might call a short fuse. I often quit many of the florists I worked for out of frustration and anger. There was something at work inside of my brain that I couldnt control or comprehend. When I went to work for myself everything suddenly changed. I had a handle on my mental health for the first time in many years.
The owner of the 400 sq. ft building I rented added on an additional 300 sq. Ft to accommodate my growing business. By XXXX I had moved from the 700 sq. ft location to a 1500 sq. ft storefront in XXXX XXXX on XXXX XXXX, eventually moving to a 3000 sq. ft space. Again in XXXX XXXX. By this time, I was an in-demand XXXX providing flowers for social events.
I had many firsts for a XXXX XXXX man in XXXX, providing the dcor/designs for : XXXX XXXX, providing floral content for XXXX XXXX XXXX, XXXX XXXX, XXXX magazine and others.
XXXX XXXX XXXX XXXX, traveling with them to their yearly conventions throughout the United States XXXX XXXX, publisher of XXXX XXXX among other magazines.
XXXX XXXX XXXX XXXX XXXX XXXX most prestigious fundraiser in XXXX.
The XXXX XXXX XXXX An Alabama XXXX inauguration Alabama XXXX XXXX XXXX XXXX XXXX And many weddings and social events. The people and many corporations in XXXX had embraced me and my work.
When I told my parents, I was moving to XXXX they were very concerned. They had a secret they never told me. I was not XXXX at all. I was half XXXX XXXX XXXX. My parents had adopted me after I was placed in their foster home. My birth mother, XXXX was born to a family in XXXX, Utah. When she was XXXX years old her mother passed away. Her father was overwhelmed with his 7 children and the decision was made to put the children up for adoption. She and her brothers and sisters were sent to live with various families. My mother and her sister XXXX were sent to XXXX and XXXX XXXX. They did not want/like my mother. In fact, she was sent back to her father 2 times. At XXXX years old my mother gave birth to a still-born baby girl. The father was XXXX XXXX, her adoptive father. He had been XXXX XXXX her for years. When she was XXXX years old, they decided to get rid of her and she was sent to the XXXX XXXX XXXX XXXX. There was nothing wrong with her but during that period in Colorado there were no social services for children. People would simply leave unwanted children with them. When she was XXXX, she was XXXX by an XXXX American orderly, my father. I was taken from her at birth and placed in a foster home run by XXXX and XXXX XXXX. I was later adopted by XXXX and XXXX. At XXXX years old I found out I was adopted. The origin of my beginnings gave me great anxiety. I wondered why my mother did not want me. Why did she give me up? At the age of XXXX I finally understand my emotions and anxiety all those years. I was always looking for love and acceptance.
When I opened my shop and through the subsequent years, I found the love and acceptance I had always been searching for. The everyday operations kept my mind busy and alert and the planning and execution of large events gave me a sense of accomplishment. I have a box that I have keep with me with notes from my clients. The overall theme of each note focuss not only on the professional work I performed but also the pleasure of getting to know me, with many expressing what a kind man I was. I felt blessed to be recognized as a good steward of the resources entrusted to me.
My Dream In XXXX I had saved enough money to buy a piece of property in XXXX, Alabama. The property was offered by XXXX and XXXX XXXX, a local couple who owned XXXX, a small eatery in XXXX.
The property was a perfect fit for me. I could run the business in the back and have a showroom for my event decor. Eventually when I retired, I planned to rent the property so that I could retire and be able to travel and pass the property to my family. This was my American Dream. I understood that financial freedom would allow me to pursue many opportunities that had alluded my own parents like traveling.
In XXXX I signed the mortgage for the project with a construction budget of XXXX from XXXX bank with an interest rate of 6.5 %. At the time I owned a home in XXXX that I purchased in XXXX for XXXX. I improved the property adding a new kitchen and an extensive garden that included a koi pond. The Garden was chosen as a stop on the exclusive XXXX XXXX XXXX XXXX XXXX and was also featured on the cover of XXXX XXXX. I sold the property for XXXX and realized a profit of XXXX. Selling my home was a requirement of the loan. XXXX XXXX, my loan consultant was adamant I use that money to purchase merchandise to sell in my new store.
When the building was finished in XXXX the builder, XXXX builders revealed they went over the construction budget by XXXX. I had been required by XXXX to hire a construction supervisor and was also required to give them a XXXX contingency fee should the builder go over budget. I thought I done everything right. By this time XXXX had merged with Regions. XXXX, my contact at XXXX XXXX left before the merger and I was given a new contact at Regions, XXXX. It was shortly after that when I heard from XXXX. She advised me that Regions would fund the extra XXXX, but my interest rate would change from 6.5 % to 8.5 %. My mortgage payment would go from XXXX a month to over XXXX a month. A difference of XXXX! WOW! I had proven I could afford the XXXX a month but XXXX for 20 years would be a real stretch. I tried reasoning with XXXX. I proposed adding the XXXX to the mortgage, adding the XXXX to the back of the loan, anything but changing the interest. She wouldnt budge. I tried obtaining a new loan from other sources but with no luck. Even though I did everything right I was punished because the builder went over budget. For so many years I had given XXXX everything I had. Whenever I was asked to donate, I donated. Whenever anyone needed help, I helped. I thought all the good will I had shown my customers and XXXX at-large would come back to me. I took this action personally. This did not seem like the XXXX I knew. A place where despite the history of oppression, those who valued my work opened their arms to me.
The anxiety that I had been able to keep in check for years became unbearable. I remember the day shortly after I had moved into the new building when XXXX showed up unannounced. She told me that unless I signed the new mortgage, I would lose my building. Backed into a corner I unwittingly signed the mortgage. I always understood that when one is in business everything is at-risk. Anything can happen, but I never dreamed that an institution whose very business is to aid borrowers would treat me with such ill regard.
One problem after another came my way. That same year XXXX XXXX XXXX forgot to put my listing in the phone book. People still used the phonebook in XXXX. No new customers for a year. Many of my customers thought I went out of business. Little annoyances became big issues. I had to cut the hours of my assistant XXXX who took orders and did some of the book work. She got upset and went to work for XXXX. She called my customers and told them I fired her. More than 50 % of my customers left. Then the XXXX recession hit. Barring what happened with XXXX which was a result of this issue highlights what can happen in business, why everything is always at risk. I had weathered many storms over the years but coupled with my crippling mortgage these problems created a nightmare situation.
Up until this nightmare I felt so blessed and thankful. This black-brown kid from a poor family with a humble beginning raised by parents with a XXXX grade education had finally made it. The sense of satisfaction I had from owning my own business was such a grounding force for me. But before I knew it, I was clinically depressed. I started using anti-depressants and stimulants to keep me going. By XXXX my whole demeanor had changed. I was angry, battling side effects from the prescribed drugs and constantly contemplating suicide. I had always been a social drinker, but I even tried drinking during the day. I tried anything to escape. I knew that drugs and alcohol were the refuge of the disaffected, but I was powerless. My partner XXXX was a recovered alcoholic. He had been sober for 10 years when we met. The reason he had become an alcoholic was from an early business failure he went through. We had talked about the conditions that had contributed to the demise of his business. We had discussed at length the issues I might encounter when I opened the business. I thought I had covered all my bases, but like many minority businesss I had always been underfunded. I didnt have multiple streams of income ; I did not have family to borrow from like XXXX had been able to do. Through the lens of time I can see things differently.
By XXXX I was so angry I went to the Regions corporate building in downtown XXXX a few days before XXXX and demanded to talk to the president of the bank. I was eventually escorted upstairs and talked with several people from Regions. I was reassured I would receive help after the first of the year. I did but it was too little, too late. The bank would eventually sell the loan to a debt collector who would call me and say things to put me on the defensive. Telling me what a shame it would be to lose such a nice building. I listed the building in XXXX and it eventually sold in XXXX. I remember the scene at the lawyers office so clearly. The lawyer handling the closing made a point of sharing that the owner would be receiving a special interest rate thanks to a special program. My heart was so heavy. I had been begging for years for help and it seemed like the only people who received help where the ones who didnt need it.
We can look back at the interest rates being charged in XXXX and see that they were in the 6 % range. If you are white and well connected or rich maybe they were even lower. What I do know is that 8.5 % was too high. It was punitive.
The events leading up to this time in history helped me to find my voice. One of the worst things that happen to people who are marginalized is that they lose their voice.
The cries of XXXX XXXX that he could not breath went unheeded by those in charge.
XXXX XXXX killed XXXX XXXX by putting his knee on XXXX XXXX neck for XXXX minutes and Regions had their Knee on mine for 6 years. Its difficult to put into words the despair brought on by the wounds of unfairness. Whats worse than losing your life? I would argue losing your dream! Death is difficult for those who are left behind. But once you are dead you feel no pain. I had to relive my pain every day.
XXXX XXXX from XXXX, Our struggle is not the struggle of a day, a week, a month or a year, it is the struggle of a lifetime.
Dreams sometimes take a lifetime to achieve. Mine took 40 years. And yet almost overnight it was destroyed. To have ones life work dematerialize before your very eyes is demoralizing in every sense of the word.
Regions and XXXX, XXXX XXXX XXXX I challenge you to listen and take up my cause. Your bank has announced that it wants to use its resources to address XXXX XXXX, inclusivity and advancement.
From an XXXX article. Regions XXXX and XXXX XXXX XXXX said it is the companys responsibility to use our resources and expertise in ways that address disparities and create positive change.
I submit to you that the actions your bank took by raising my interest rate was neither fair nor reasonable. Raising the interest rate on my loan put an undue burden on my business that in turn put an undue stress on both my physical and mental health. Borrowers like me have systematically been forced to accept unfair treatment by financial institutions who back their customers into a corner. Neither public interest nor the interest of the borrower is served by such treatment. The people you serve both black/brown or white deserve better. Their dreams matter as should the dreams of all who live and strive to provide a build a better XXXX and a better world for themselves.
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| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I began the refinance process with XXXX XXXX at Regions Bank on XX/XX/XXXX. On that day I received a Loan Estimate that reflected an estimated property value of $ XXXX with a loan amount of $ XXXX. On XX/XX/XXXX, I received the appraisal back from Regions Bank which reflected the value of my home at {$320000.00}. I knew this was an issue so I immediately called XXXX to find out how we can move forward and to get a new loan estimate/disclosure. I was finally able to reach XXXX on XX/XX/XXXX and he acknowledged that there was a problem, but he would get back to me soon. After I did not hear anything from XXXX I followed up with an email to my Mortgage Processor, XXXX XXXX, on XX/XX/XXXX and asked if the information in the Regions Portal is correct in regards to the loan amount and PMI. ( The loan amount had been changed from $ XXXX to {$310000.00} and the PMI had also increased. ) After not hearing from XXXX or XXXX, I followed up with an email to my Mortgage Loan Coordinator, XXXX XXXX on XX/XX/XXXX asking her the same question that I asked XXXX and XXXX. Later that afternoon I received an email back from XXXX XXXX that stated XXXX would be contacting you. I proceeded to call XXXX that afternoon twice and I never received an answer. Since XXXX was not responding to me, I had my wife contact XXXX on XX/XX/XXXX. XXXX answered the call and said that the loan could not go through because of the appraisal and that there were no other options. My wife asked XXXX for a new disclosure and that it was possible that we may bring the money to closing. After not receiving any estimate or disclosure from XXXX, my wife reached out to XXXX again on XX/XX/XXXX and left a voicemail. XXXX later that afternoon sent an email with an updated estimated cost sheet. Note : The top of the estimated cost sheet says the following : Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. I called XXXX after receiving his estimate and asked if it was official on what I owe and XXXX responded with no. XXXX suggested seeing if my realtor could find any comparable that we could send to the appraiser to see if he could get the value increased for our home. On XX/XX/XXXX I sent XXXX the comparable my realtor found that may boost the appraised value. On XX/XX/XXXX I received an email from XXXX that said the additional comp didnt help and would I like to proceed and bring the additional money needed to closing? I responded with I would need to know how much is needed at closing and what the actual amount of PMI would be each month. On XX/XX/XXXX I emailed XXXX, XXXX, and XXXX a new payoff for my home. Later that afternoon, I received an email from XXXX that stated, Hello XXXX, Thank you for sending the updated payoff. After running the numbers you will need approximately {$10000.00} to closing and your PMI will be roughly $ XXXX/month. If you do want to proceed I will need the 401k please. Please call me with any questions. ( I had mentioned to XXXX I MAY want to use my 401k for the difference in loan value. ) I responded to XXXX with an email that asked if he had anything to reflect that and why is my PMI so high? I am currently paying {$77.00}??? XXXX responded with, Im not sure about the PMI, that is what the quote came back at. I responded with the following : Again I believe until we get some concrete information on amount due at closing and what the PMI will be, a decision cant be made. For some reason, this process seems to be taking a long time. 401k has already been uploaded under the original request for documents. The down payment will come from our XXXX XXXX accounts. You have documentation on all four accounts and their balances with more than enough funds to cover the amount due. XXXX responded with the following : Please call me XXXX. Thanks. XXXX called at XXXX XXXX and stated the following from the few notes that I took : There is a RESPA issue with your loan and several compliance issues that I am attempting to get taken care of.
You really dont want to come to closing with this much money due. It just doesnt make sense.
XXXX stated that I received an incredible deal on my PMI with XXXX XXXX and it doesnt make sense to refinance and see that go up. XXXX said there is no way my PMI should be that low and that obviously XXXX XXXX has the ability to give really low PMI to their customers.
Please let me know how you would like to proceed ASAP as I have to let my Compliance Department know. If you want to proceed I ( meaning XXXX ) will need proof that you have the funds for closing.
I stated to XXXX that I would like to talk to XXXX, but without any type of disclosure reflecting what is due and knowing what the PMI will be, I am unable to make this decision. Right after the phone call with XXXX, I send an email to XXXX, XXXX, and XXXX saying the following : All-Please provide a Closing Disclosure ASAP. If this is not able to be provided, please let me know why. On XX/XX/XXXX, I called XXXX at XXXX XXXX. My first question for XXXX was that it appears overnight my loan was closed out, why did you close my loan? XXXX stated he had nothing to do with it and that was compliance. XXXX then asked if I wanted it reopened and I said yes. XXXX stated I cant believe you want to bring this much money to the table. I responded with until I get verification of the amount due at closing and what the PMI will be, I cant make this decision and I would like it to be reopened. XXXX stated he would speak with XXXX and get it reopened and he would provide me an update early afternoon. XXXX had me send an email at XXXX XXXX to XXXX, XXXX, and XXXX : XXXX-All XXXX XXXX XXXX statements for XXXX were uploaded last night for the money needed at closing. Please let me know what else is needed for this loan to close next week.
From the phone conversation yesterday with XXXX and knowing our loan was closed out and we were not told, this really bothered me. This whole process has been nothing but a debacle and with the amount of pressure of XXXX putting on that I did not want to go through with this, my gut was telling me something was wrong and/or messed up by Regions Bank XXXX I reached out to a friend of mine in the upstate who is the Compliance Officer for a bank in the upstate. He advised that I send the following to XXXX, XXXX, and XXXX : XXXX, I am not sure I understand what the problems are that have caused my loan to have been force closed in your system by Compliance yesterday evening. On XX/XX/XXXX you sent me a Loan Estimate showing the good faith loan closing costs estimates. Following my appraisal, which I received a copy from you on XX/XX/XXXX, we didnt speak about any issues with the loan until XX/XX/XXXX. From when Regions Bank accepted the appraisal, I did not receive an updated Loan Estimate showing any change in circumstances. I thought that 12 CFR 1026.19 required an updated Loan Estimate within 3 days, or that Regulation B would require an adverse action notice that you were denying the loan. In regards to my loan, I have received neither and I feel that the loan needs to get back on track as you have legally disclosed it to me. I know that you sent me an updated loan cost estimate on XX/XX/XXXX, which does not purport to comply with applicable law or regulation and does not meet the TRID/Know Before You Owe rules for Loan Estimates. I need this loan to close as soon as possible, with lender credits to cure for any tolerance violations as required by TRID/Know Before You Owe regulation. I am prepared to push this as much as I need to protect my rights in this situation. I am not trying to get more than what I am entitled to under applicable law and regulation, but I dont want to be mislead because of an error at Regions Bank for which I am not responsible. Thank you, XXXX & XXXX XXXX This letter was emailed to XXXX, XXXX, XXXX and my wife XXXX at XXXX XXXX with a subject line of XXXX Letter of Intention. I received an email back from XXXX : I have reran your loan through the automated underwriting system and your file is back to Approve Eligible. I will need ( 2 ) two months of assets statements. Please send me the XXXX XXXX XXXX accounts. I responded with : See attached. This would have also been uploaded in the portal back on XX/XX/XXXX. XXXX responded with : Received XXXX. Thank you! After not receiving any updates I sent the following email at XXXX XXXX : Any idea on where we stand? Any update on the compliance issues? I received the following from XXXX : Your loan is back in processing. On XX/XX/XXXX, I spoke to XXXX to get an update at XXXX XXXX. XXXX stated nothing new. Multiple people are out due to the virus and tomorrow being XXXX XXXX he is not expecting to hear anything at all. XXXX will try to get back to me in the morning.
As of XX/XX/XXXX, I have received ZERO updates since the last email and no update as promised from XXXX. The loan does appear back in my online portal. No new disclosures have been sent since the first initial disclosure back on XX/XX/XXXX. I still have not received an explanation on the PMI. The estimated loan closing is XX/XX/XXXX.
On XX/XX/XXXX, after not hearing from XXXX, XXXX, or XXXX since XX/XX/XXXX, I sent an email to XXXX at XXXX XXXX : XXXX, 1 ) Any update? Tomorrow it will be a week since the loan went back in for processing. 2 ) Any update on the compliance issues and how that will be handled? Thanks, XXXX XXXX XXXX replied with the following : Loan was returned from the Compliance dept last week. It is in Processing status. Need mortgage insurance certificate back. Once loan is Approved to Close, XXXX will confirm close date with you. I replied to XXXX with the following : What was the end result with Compliance? Mortgage Insurance certificate attached along with a paid receipt for the Homeowners Insurance. Any idea on when potential closing will be? After not hearing anything on my last email, I sent the following email to XXXX, XXXX, and XXXX on XX/XX/XXXX : Any update on our refinance? I never received a response on the email below XXXX XXXX Since we have not heard anything and our closing has already gone past the XX/XX/XXXX projected date, I had my wife, XXXX, call XXXX on XX/XX/XXXX to find out what was going on. XXXX called and it went straight to voicemail. XXXX left him a voicemail to please call her back. XXXX immediately called XXXX back and stated he thinks he has everything that is needed, but they are very short staffed at the moment. XXXX stated he would check to see that the underwriter and processor has everything that they need. XXXX stated the goal is to close by the end of the month. XXXX asked for a disclosure statement again since we still have not received one. XXXX stated he would call back with an update and that right now it is taking two business days to get any response back from underwriting. The Initial Closing Disclosure was emailed by Regions that same afternoon at XXXX XXXX. We never received a phone call or any follow up from XXXX. I spoke to XXXX on the phone at XXXXXXXX XXXX after I had received the Initial Closing Disclosure. I asked XXXX why I am agreeing to the Initial Closing Disclosure when it does not match my Loan Estimate. The Initial Closing Disclosure has a section where it states what the Loan Estimate stated versus what the Initial Closing Disclosure states. XXXX became very agitated with me on the phone and stated he could try to find the disclosure but that I knew that it was going to be more due to my appraisal. I asked if he had a copy of it as this is something that I have not seen. XXXX stated that it is somewhere. I then asked XXXX if this was compliant or against Consumer Financial Protection Bureau XXXX. XXXX then accused me that I was going after him because my appraisal came in less than what was projected and that I simply wanted Regions to pay for the difference and that was not going to happen. XXXX then continued by yelling three times, Are you threatening me? I stated to XXXX that no, I am not threatening him, I am just trying to understand why I was never given a different loan estimate that reflected what was shown on the Initial Closing Disclosure and I am trying to figure out what is going on. XXXX made the suggestion that he requests that I withdraw the loan or that he would cancel the loan immediately. I stated I have no interest in the loan being cancelled as this is a great rate and would put my family in a better financial position. So far this loan is back on track with closing expected on XX/XX/XXXX. I still dont understand why a new loan estimate was never given to me by Regions Bank. Per XXXX, a different loan estimate exists from the one that I originally received, but for some reason I am not privy to the new loan estimate. The questions that I have on why my PMI is higher than what my previous loan have still not been answered.
I have typed out a timeline of events that will take you from XX/XX/XXXX to XX/XX/XXXX in regards to the number of emails and conversations that I had with the representatives of Regions Bank. We first asked for a new estimate/disclosure on XX/XX/XXXX and it has taken until XX/XX/XXXX to receive anything from Regions Bank and that was in the form of an Initial Closing Disclosure.
I went to closing on XX/XX/XXXX and spoke with our closing attorney, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX about the issues that we were having with the loan. XXXX was extremely concerned about the way my wife and I were treated through the process and he suggested we proceed with the refinance at this time with the rate being so low. For the refinance to proceed and Regions Bank to fund the refinance, we made the decision to sign all documents saying that our loan estimate matches our closing statement even though we all knew this was false. My fear again was XXXX had already tried twice to cancel this loan and if we did not sign the document, my thought was that XXXX and Regions Bank would not fund our refinance. XXXX also suggested that once the loan is closed and funded, we should move forward with submitting a complaint with South Carolina Department of Consumer Affairs and Consumer Financial Protection Bureau.
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| 11/09/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for my first mortgage against a home in XXXX XXXX of XXXX. This was the first mortgage I had applied for, and the first mortgage that was going to be placed against my home. I needed to do some home renovations and updating. I filled out the application online with Regions Bank. I had XXXX existing accounts and a credit card with them, and had zero problems with them prior to this.
I applied for a home equity load and within the week, and my fiance and I went into one of the local branches off bernedette to sign the application paperwork so I could get the process beginning. I had been preapproved for {$40000.00}, had a credit score of almost XXXX on my transunion report and a flawless payment history. I was told there was about {$80000.00} in equity in my home, the title was clear, and elected to take out a loan for {$35000.00}. I looked over the application and noticed it was for a home equity line of credit, and questioned this with the " personal banker '' XXXX XXXX. He said that a HELOC and home equity loan applications were the essentially, same process ect. He said the difference included a variable interest rate, that I did n't have to take out the full amount all at once and the draw/payment process. He said that at any time I could roll it over into a traditional home equity loan with a fixed rate and structured payment set. I signed and was out of the office in 10 minutes. He did n't give me a time frame on the amount of time it would take but a rough estimate of 3-4 weeks. So I waited.
After 4 weeks, I had herd nothing from them so I called the XXXX number for online applications and inquired. I was told that I was approved pending paperwork, and was told that the local branch would be in contact with me to process this. I schedule some concrete work that needed to be done before winter came, assuming that I was approved. After another 2 weeks, now 6 weeks after applying, I still had herd nothing on signing the paperwork so I called again. Initially, they could n't find an application on me at all. I called the following day again and did some checking, they researched it, found it, and had me contact a loan XXXX at a different local branch in town off XXXX XXXX. I called and scheduled a time to meet a day or 2 later. When I met him, he explained to me that the previous banker that had helped me sign paperwork was let go a week or so after I had gone in to sign paperwork. He already knew that I had been approved, it was just pending signing paperwork and with the shuffle of terminating the previous employee, my paperwork got lost. I explained that I had been waiting over 6 weeks and needed to get some work done on the exterior before it got too cold outside to do it. He told me to take out a personal loan, and then when the paperwork for the home equity loan went through that they would just pull money from that to pay back the personal loan and it would n't adversely affect my credit. I agreed to the personal loan. and he said he would be in touch with me in the next day or two to sign home equity loan paperwork. By the end of the week I had n't herd anything back. I contacted again the local branch off XXXX again, he said he would check into it and call me back.
The following week he called and said that the only loan XXXX that was available for me to sign had lost his daughter and wife in an accident the prior week, but the loan XXXX was going to come into the office on bernedette that day to sign paperwork with us. I met him over my lunch break went in and waited to meet. We sat for and waited almost an hour before he called us back to his office. He had the paperwork sat out told us to look over it, initial and sign where it was highlighted. He was stoic, and did n't ' explain much of anything. We asked about an insurance and taxes on the house he said we had to pay the insurance but the taxes would be paid out of the loan. We asked about the refinancing and said that we could refinance and take out more if needed, and as long as it was with regions there would n't be any charge backs for closing costs. We signed he said we had 72 hours to call and cancel, but then followed up that if we did cancel, we would be responsible for the {$8000.00} personal loan to be paid back in full by the end of the month.
We ended up needing to use almost the entire balance of the HELOC to do the remodel, I started to get tax notices in the mail that needed to be paid. I called in XXXX about the tax notices, they said that it sometimes happens with new loans that the address does n't get updated and the notices get sent to us She gave us an address and a fax number to send them to and told us it would be taken care of and if we got anymore to just forward them on. My fiance had an accident at the end of XXXX and we had to get a new vehicle. In XXXX, we found out we had to pay sales tax on the new vehicle, I wanted to refinance my credit cards and we needed to finish renovations, so I called to refinance the heloc. I was told that I had to wait 6 months before reapplying for the finance. I though this was strange that I had to reapply as I was told I I could just refinance with no problems, but waited a couple of weeks to apply again. I called again a couple of weeks later to apply, did so over the phone and was denied. And was told it was because heloc was so new and not established yet. I was let go from my job about 4 weeks later in XXXX XXXX of XXXX. I scraped, not once falling behind on any of my bills and finally was able to regain employment the end of XXXX. I decided then try reapplying with another company, XXXX loans in XXXX. I filled out my application, and spoke with them. They denied me because I had n't been with my employer for at least 6 months ...
In XXXX of XXXX, I recieved a notice that my house was going to be put up for Tax Auction later that year in XXXX for nonpayment of taxes. So I called regions to figure out what was going on. The representative told me that I was responsible for the taxes and insurance on the home and that with any HELOC, there is not an escrow nor did the bank pay them because they 're placed as XXXX mortgages on the home. And the primary mortgage had the escrow account that paid the taxes and Regions was n't responsible. I explained that it was the only mortgage on the home, and there was n't a primary she said it did n't matter and suggested refinancing it into a traditional mortgage. I waited the 6 months like quicken had said to do and in XXXX of XXXX, I needed to get some of my debts consolidated and pay the almost {$2000.00} in back property taxes now owed. My XXXX XXXX was dropping and refinancing looked to be the best option to relieve this.
I called Regions again to refinance, explained the situation and was sent to the XXXX XXXX XXXX department. I told him my situation, that I needed to refinance the XXXX, get my credit cards paid off and explained the tax situation. I asked for an additional {$10000.00} on top of the {$32000.00} for the credit card debt and taxes. He told me that it should n't be a problem, with over half the equity still available and he could help. That it should n't take long for the credit report to come back and for him to speak with the loan officers on staff, and I waited on hold. He then came back on the line, and said that I had been denied, that my revolving balances on my credit accounts, including the regions HELOC was too high, and my income of {$40000.00} a year and credit score of XXXX was too low to refinance. I panicked.
In XXXX I saw a commercial for an FHA backed refinance that was suppose to be for people with lower credit scores and income. I called XXXX XXXX, explained the situation, and they claimed they would be able to help. Went through all the paperwork and they order an appraisal of the house. I waited about XXXX weeks after applying and getting the paperwork for the appraisal, and he came out and accessed. XXXX XXXX came back after the appraisal that there was an unfinished bathroom, some places where drywall needed to be repaired and the house needed flooring, all in all about {$6000.00} total to finish the work before they could proceed. I did n't have any way to finish the repairs so I canceled the refinance.
Shortly after canceling the refinance, I received another notice of the tax auction paperwork and called regions corporate office in XXXX of XXXX. I explained my situation to a lady in the department that deal 's exclusively with properties up for tax auction. I explained my story from beginning to end to her. She apologized over and over again for the situation Regions had put me in and decided to talk to somebody higher up to see what we could get done.
I was contacted in XXXX by XXXX XXXX, a regional XXXX for the XXXX 's in my area. He had gotten the complaint and wanted to meet with us to make sure he understood everything right. I called and explained the situation of what happened and he elected to meet with us. We met with him XXXX XXXX at a local branch off XXXX. We once again explained the situation from beginning to end, and he apologized for all of the trouble we 've been having and wanted to see what he could do to make things right. The only thing we asked for was a refinance with cash out to pay off some debts so I could get my finances back under control. They were spiraling out and I did n't know what else to do. He mentioned that he recalled the loan XXXX losing his family, and the one employee being let go. He said that the HELOC 's are handled by a different part of Regions all together. There was a XXXX Mortgages and a Regions Bank. The HELOC was through the bank, and it should have been a home equity loan through the mortgage side. He said the only hangup now was the minimum XXXX being required on my credit score. He had us meet with a mortgage office, XXXX XXXX at the location off burnedette who pulled my credit score and it was at XXXX. He said there was n't anything he could do but he would relay the information on to XXXX and he would be in touch. XXXX called the following day and said that we needed to get some of the credit card debt paid down. That would bounce my credit score past the XXXX to refinance. He said he could n't do any form of debt consolidation loan for us and refereed us to a gentleman at XXXX XXXX giving us his name and number.
I contacted onemain in XXXX of XXXX and got a plan together to get my credit cards paid down through a loan with them. We took out {$6000.00}, enough to pay the taxes and half my credit card debt, and paid them down. I took out the loan thinking it was going to be a short term loan and would turn around pay it off with the refinance. I waited for my credit scores to bounce back, and in XXXX of XXXX I contacted XXXX again. He had me meet with XXXX as before and I filled out another application. I was denied again, this time because my credit score on my equifax report was XXXX. My transunion report showed XXXX and experian showed XXXX, but the mean score was just below what they said was required. This still baffles me because this was shortly after it was released that equifax had the huge data breech. None of my accounts had updated on equifax since the Spring. I had also found a new job with a starting salary of {$48000.00} and still have perfect payment history.
On top of all this, I 've had to call XXXX XXXX since XXXX of XXXX because they keep billing me for an 90 day insurance policy costing {$1600.00} on my home. My homeowners insurance has never lapsed and I 've been continuously insured since I got the home in XXXX of XXXX. I have faxed the paperwork as has my insurance agent. They will take it off, and then I see it charged again the following month.
I 'm at a loss now as what to do ... I fear for losing my home as I 'm struggling to make ends meet as is. I did everything I was suppose to do, listened to what each representative from Regions was telling me to do followed through with what they were suggesting. Now on top of everything I have an additional {$270.00} a month loan payment with the additional credit card payments and the heloc. I was n't budgeting for all these, because it was suppose to be paid off They threatened in XXXX to close my credit card account, that of which has never been past due for a payment and only at 50 % credit utilization. It 's my longest open credit card account and would have damaged my credit every further had it been closed. I had to fight and fight to get them to keep that open.
Bottom line, I followed the rules and researched, applied for a home equity loan, took the advice from the banker under the impression that it could be rolled over into a traditional home equity loan at any time with no problems. I was explained nothing by the mortgage office, who in my opinion should n't have been allowed to sign any paperwork with anybody under his personal circumstances, and pressured to not to reconsider under the 72 hours reconsideration time frame because of the personal loan I had taken out. I was told that the property taxes were going to be taken care of and they have n't been. Even after finding out I had to reapply, I tried reapplying 4 different times over the course of 18 months, but was denied because of the factors directly related to the HELOC. Called corporate and met with a regional XXXX who apologized for everything and wanted to make things right. Followed his advice, took out a different loan that I 'm now stuck with because, yet again, I was lied to and told incorrect information.
My fiance is XXXX and I 'm barely keeping my head above the water and I do n't want to lose my home.
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| 06/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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XX/XX/XXXX : moved from XXXX XXXX XXXX XXXX XXXX. Updated address information on all bank accounts including Regions Bank in XXXX. Did not close any accounts.
XX/XX/XXXX : Called Regions Banking information line to inquire whether I could open a CD because the rate for a XXXX-month special was XXXX %. Spoke with XXXX and XXXX. Specifically stated I lived in XXXX, XXXX and asked if this was allowed. I was informed that yes, it was allowed. I was instructed to " draw down '' my money market and checking accounts and transfer the balances into my savings account and then to close both checking and money market accounts. After the balances had transferred, I could open a XXXX through my XXXX account. The total amount I intended to place in XXXX was about {$10000.00}.
Asked if I could transfer additional money down to add to this XXXX and was told yes. Proceeded to write check from XXXX XXXX in XXXX in the amount of {$10000.00} and remotely deposited this to my Regions account.
XX/XX/XXXX : Received notice that there was a hold on my remote deposit from XXXX XXXX Called customer service ( XXXX ) and was informed that because it was an out of state check there would be an automatic XXXXday waiting period for it to clear. I would have to wait until it cleared if I wanted to include that money in the XXXX I planned to open.
XX/XX/XXXX : Called Regions to open XXXX with the {$10000.00} available from my Regions accounts. Spoke with XXXX and XXXX. Again I was told that because I was out of state, I could still open new accounts but had to use the Regions XXXX customer service line to do so. As directed previously, I closed both checking ( conf XXXX XXXXXXXX ) and money market ( conf XXXX XXXXXXXX ) accounts and opened a XXXX account. I transferred {XXXX} of the XXXX account balance into the XXXX-month special XXXX XXXX at the declared rate of XXXX %.
I was told once my XXXX XXXX check for {$10000.00} cleared I could either add it to the XXXX or open another XXXX if rates had increased further.
XX/XX/XXXX : Called former personal banker, XXXX XXXX, at XXXX branch to inquire about transferring money between Regions and XXXX XXXX since check had finally cleared. I was unsure if I wanted to add the {XXXX or keep the cash liquid because some house expenses had come up. XXXX informed me that when my XXXX account at Regions at closed, the interest rate on my XXXX XXXXropped from 4.25 % to .01 %. XXXX believed I could reopen my checking account which would fix the XXXX rate, or at least allow me the open to open a different XXXX since I was in the XXXX-day grace period for changes to the XXXX created on XX/XX/XXXX. He instructed me to call the XXXX Customer Service.
XXXX with XXXX on the XXXX and asked to reopen checking to correct this error. She stated I needed to talk with the XXXX department and transferred me to XXXX, who stated the XXXX department can not open or close accounts or make changes to existing accounts, she could only act on " tickets '' sent to her department via the Contact XXXX Support Services. She stated the Contact Center does not have a phone number and I as a customer can not contact them. She also stated she can not contact them by phone or fax from her department. XXXX stated that the Contact Center could correct the rate if I opened another checking account and transferred me back to New Accounts to do that.
Spoke with XXXX from New Accounts on the XXXX who stated I could not in fact open a new XXXX account if I reside outside the Regions " footprint ''. She stated I could retain the XXXX at the existing rate of .01 % because I had the savings account. She stated I should not have been advised to close my checking account because that automatically reduced the CD rate. She consulted with a supervisor and upon return, stated the CD should never have been opened because I live outside the Regions footprint. She stated my only option was to close the CD, pay interest penalties, and in order to close the CD I had to send a notarized letter to the Contact Center Support Services with all my information and request the account be closed. She stated they could send me a check with the balance or I could transfer it to savings. She stated I could then call the XXXX to close out the savings once the money from the CD had been transferred back into Savings.
She stated there was no option to fax or otherwise get the information to the Contact Center Support Services, which was in charge of approving the closure of the CD. She also stated she could not contact the Contact Center Support Services but provided me with the address in XXXX XXXX She stated I would need to send the notarized request along with a copy of my driver 's license or passport and in my letter explain why I needed to close the account. She stated it would likely take 2-3 days to process my request once the letter was received, and another 7-10 days to close the account and transfer the money into my savings account. She stated because I was within the XXXXday grace period this would not negatively impact me in terms of penalties, or at least the penalties would be minimal. She assured me the penalties assessed would only be applied to interest earned, not principal.
I expressed dissatisfaction with this outcome because it was all due to errors and misinformation provided to me by XXXX employees and yet Regions was unable to resolve it internally. XXXX offered me the option to speak to her supervisor and file a complaint which I did.
Spoke with XXXX, XXXX 's supervisor who stated she would review the calls I made previously to determine whether my version of events was correct.
Received call fromXXXX, a XXXX of one of the XXXX agents I spoke to. XXXX repeated the information I had received from XXXX : I would have to send a notarized request to the Contact Center Support Services ( unreachable by any other way, according to XXXX and XXXX and XXXX ). XXXX apologized on behalf of Regions. I stated I was deeply dissatisfied with the series of events and pointed out that while Regions had committed the errors that led to this, I would have to pay money of out pocket to resolve these mistakes. Meanwhile, Regions Bank still had the money I had deposited in my savings and XXXX accounts and could earn money on my money which I was unable to access. XXXX stated the mistakes were not intentional. I stated I knew that but the impact was the same regardless. XXXX stated I could keep the interest earned on my CD but with the reduced interest rate that would only amount to XXXX XXXX. I stated I was not satisfied with this and would await the results of their internal complaint review. In total, spent approximately XXXX hours on the phone.
XX/XX/XXXX : Write my letter to request closure of XXXX account, included a copy of my driver 's license and passport, my current address, the circumstances necessitating the closure of account, and requested that the balance be transferred to my XXXX savings rather than have a check mail. Had letter notarized and sent via Certified Mail with XXXX
XXXX : Set up an " external transfer '' from Regions to my XXXX XXXX account in XXXX so I could transfer savings balance with CD money back to a bank close to me. The Regions portal informed me I could only transfer {$2000.00} per transfer and a max of XXXX per month, with a {XXXX fee per transfer. I decided I would wait and then request to close out this account altogether once the CD had been closed and and the money returned to my XXXX
XX/XX/XXXX : Confirmed via tracking number that my letter had been received on this date by Contact Center Support Services.
XX/XX/XXXX : Received letter from Contact Center Support Services denying my request to close CD account for the stated reason : " The account must be closed at a local branch, or the branch where you opened the account. '' ( I opened the account by phone, as previously stated. ) A " XXXX '' number associated with this denial was provided.
I called the XXXX again ( XXXX ) and first spoke with XXXX XXXX who transferred me to the XXXX department. Spoke with XXXX in the XXXX servicing department who stated she could not find anything associated with the " XXXX '' number provided and I would have to speak to someone in a different department see if they could research the specifics behind the denial. XXXX stated that there was a XXXXday hold on all new accounts in my name, and also because I sent the request letter ( as directed by Regions ) to the Contact Center Support Services , she had no way of accessing the letter. She stated she could not ask for a copy of the letter from the Contact Center Support Services, nor could she contact them via email, phone, fax, or any other means. She stated I should send a new notarized request to her department in XXXX XXXX and then she would be able to close out the XXXX account. I stated I had been told multiple times by multiple people on XX/XX/XXXX to send the letter to the address in XXXX XXXX and stated this did not make sense to me. She stated I should not have sent the original letter to XXXX even though I had been repeatedly told to do so. She stated I needed to re-write the letter, repeat the process, and then the CD would be closed I could be sent a XXXX XXXX check.
I asked to file another complaint, and did so with XXXX. Following that, I asked about closing out my XXXXXXXX account once CD was closed and XXXX stated she did not know about that, I would need to talk to someone else and transferred me to XXXX, a personal banker. XXXX stated XXXX should be able to research the " XXXX '' number associated with my denied request from the Contact Center XXXX Services department.
Spoke with XXXX, who stated she would not look up the XXXX number until I had explained the reasons for my call. Once I had, she stated I had probably made a mistake on the letter and should submit it again. She asked me to read the letter to her that I had received from Contact Center Support Services in its entirety, and then restated her position that I should " just try again. '' I stated I had done as instructed and asked her again to look up the " XXXX XXXX' number if she was capable and she finally did, stating that the details stated my request was denied because I had asked for the balance to be transferred into my savings rather than be sent a cashier 's check with the balance. She did not say why this was denied. She stated I would have to talk to the " local branch '' where I opened the account. I stated I had opened the account over the phone. She stated that according to the records, the CD had been opened via the local branch on XXXX XXXX in XXXX and I would have to talk to them. She transferred me to that branch. There was no answer. I let it ring for about XXXX minutes then hung up and tried calling again. There again was no answer at this local branch. Total time on the phone was slightly over one hour.
XX/XX/XXXX : Called my previous local Regions branch on XXXX XXXX in XXXX and spoke to a personal banker whose name I did not write down. I was trying to reach XXXX XXXX but he was on vacation. The banker I spoke with stated I can not close a savings account remotely. My only option was to do external transfers with the imposed limits, paying fees each time. This banker stated he did not know another way for me to close out the savings. He stated I should never have been advised to close my checking because that not only ruined the CD rate, it also made it very difficult to get my money back in my own possession. He suggested I called the Regions XXXX and ask for a supervisor in existing accounts to see what they could do to correct all these errors.
*Because of the never-ending series of transfers every time I try to contact customer support, the opaque nature of the Contact XXXX XXXX Services who allegedly dictates whether or not I can close the CD which was opened with false information provided to me by Regions employees, the circuitous and erroneous information I have been repeatedly provided by Regions in attempts to remediate these problems, and my fundamental inability to access my own money despite following the procedures laid out by XXXX customer service. All I want is to have my money back. I am now beyond the XXXX-day grace period and do not know what penalties will be assessed or even if Regions will ever close this CD. I have no faith in XXXX to resolve this internally. Previously, as an in-person customer, I had only positive experiences with Regions. However, having moved out of their " footprint '' now I am completely unable to get this resolved and ask for your help.
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| 12/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of complaint against the Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX To whom it may concern : My name is XXXX XXXX XXXX. And I am a XXXX XXXX XXXX, and I have been having my XXXX XXXX from the XXXXXXXX direct deposited into your bank for over the past year now. And on or around XX/XX/XXXX I was informed that my account and services were being terminated. I then inquired as to why I was being terminated. First, at my local branch @ ( XXXX XXXX XXXX XXXX XXXX XXXX ) and then @ the XXXX number provided on the Regions Bank XXXX XXXX I still have not received a answer as to why my services have been terminated. I can only assume that because I complained about a mistake that the bank XXXX ( XXXX XXXX XXXX made on my account, that cost me over {$3500.00} and caused me a great deal of inconvenience.
To best explain this situation, I will have to Begin on XX/XX/XXXX at or about XXXX am when I went to the ATM. At Regions Bank @ XXXX XXXX XXXX XXXX XXXX I tried to withdraw funds and was denied. I called the customer service number on my bank card and was informed that my account was on a soft close, and that I would have to go into the branch at XXXX XXXX XXXX XXXX XXXX. To straighten everything out. Later at or about XXXX I went inside the bank and I saw XXXX XXXX walking to her office, I then approached her and told her about my situation, she then took me into her office and I sat down. She then looked into my account and informed me that my account had feel to {$0.00} and she would try to reopen the account and reconnect the card. I then replied to her if it would be easier to go ahead and open a new checking account and issue me a new check card to do so. Because I wanted to make sure that I didnt have any more issues with my direct deposit, or with withdrawing money from either account ( checking or savings ). I also made sure that I asked her to make sure that the new check card was connected to both my checking and savings account.
On or about the XXXX of XXXX at or around XXXX AM I went to regions bank at XXXX XXXX XXXX XXXX XXXX XXXXXXXX to make a withdrawal and to make sure that there was enough money left in my account so that I would be able to receive my direct deposit for the first of the month. I made my withdrawal, and the bank XXXX informed me that I had enough money in my account at that present time for my direct deposit to be successfully deposited into my account. I then left the drive thru window and did not return to the bank, or attempt to use my check card for any reason until XX/XX/XXXX @ or around XXXX XXXX AM On XX/XX/XXXX at or around XXXX AM I went to regions bank at XXXX XXXX XXXX to the ATM to make a withdrawal after receiving a notification that my direct deposit was available in my account, and the transaction was declined. At or around XXXX AM on XX/XX/XXXX I called the customer service number on the back of my check card, I could not talk to anyone because of the time, only automated services were available. I knew that at this point I would have to wait for the local branch here in XXXX to open ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and that I would have to delay or cancel my plans to to catch a XXXX or XXXX out of town for work. At or around XXXX XXXX I called the customer service number again and was able to find out that my direct deposit had successfully been deposited, but my check card was not connected to my savings account. And that once again I would have to go into the branch at XXXX XXXX XXXX in XXXX XXXX XXXXXXXX to have the card connected.
At or around XXXX AM on XX/XX/XXXX I walked into the XXXX branch and as I walked in I saw XXXX XXXX XXXX ( bank XXXX ) walking to her office so I got her attention and notified her that she was the one that had handled the opening of my new account and that my card was still not connected to both of my accounts so she directed me to her office and I sat down, she then asked me, how did I know that the card wasn't connected to both of my accounts And I told her that I tried to withdraw funds earlier that morning and could not. I communicated to XXXX XXXX that I understood that mistakes do happen, and that I also know that I made sure that I communicated to her the last time I was in front of her to make sure that my check card was connected to both of my accounts I also communicated to her that I know that I asked her to make sure that my new check card and my new checking account we're both connected to my savings account, I also informed her that me leaving out of town for work on time is dependent on me being able use my atm card to withdraw funds to travel for work and finally that I can't afford to miss work like this and that if this happens again I would have to find another place to bank and that I had never had this type of problem before at any other banking facility. XXXX XXXX then replied maybe it might be best if you do go some ware else after such a disconcerting response I was almost speechless so I looked at her and asked her to continue to fix the problem with my check card and that I needed to make an ACH. Transfer. After about XXXX minutes she told me that my check card was now connected to both checking and savings accounts and she informed me that she was unable to do the XXXX transfer I requested, a transfer that her assistant bank XXXX had done twice before in the past for me it was obvious that she wasn't interested in helping me any further with anything.
I then left XXXX XXXX office and walked into the main lobby of the bank and looked for the assistant XXXX XXXX XXXX who opened up my original account over a year ago. And by this time, I was very frustrated and upset because I was mishandled by the bank XXXX. I explained to XXXX XXXX ( XXXX bank XXXX ) what had just happened to me in XXXX XXXX XXXX and that after experiencing such disconcerting and snobbish behavior, I didnt want to deal with her anymore or even have her handle any more of my banking affairs because apparently, she doesnt have enough care and concern to provide proper services for me, to ensure that I dont have major problems as I am having up to this point. XXXX XXXX then instructed me to write a letter of complaint and to send it to him and that he would make sure that it got to the right department. I agreed to do so and then XXXX XXXX executed, the Ach transfer that XXXX XXXX claimed she couldnt do for me, and verified that she ( XXXX XXXX ) had in fact connected my check card to both accounts this time. By this time it was almost XXXX noon and I knew that there was no way for me to leave out of town and make it to my destination on time so I called and canceled my work appointment and drafted a letter of complaint and sent it to the email address that the assistant XXXX XXXX XXXX had given to me ( XXXX ) I called XXXX XXXX at or around XXXX on XX/XX/XXXX to ask him if he had received the email, I had sent him, XXXX XXXX that he did receive the email but he could not open the file. So, I told him that because it was late in the day on Friday, I would not be able to give him a converted PDF copy until the following Monday ( XX/XX/XXXX ) XXXX XXXX said ok and we ended the phone conversation.
Over the weekend XX/XX/XXXX and XX/XX/XXXX I was able to process everything that had happened and decided to not file a complaint because as I said earlier in this letter, I understand that people do make mistakes and I was under the impression that everything was OK now because I was able to use my card over the weekend to purchase food. I had made up in my mind to call XXXX XXXX on the morning of XX/XX/XXXX and to let him know that I would be dropping the complaint against XXXX XXXX. And that if he still couldnt open the file, I sent him to not worry about it.
On Monday morning XX/XX/XXXX at or around XXXX AM I tried to conduct some business online and found out my card was declined again so I called the regions bank in XXXX and XXXX XXXX answered the phone I informed him as to who I was and he acknowledged me I let him know that my card had been declined again and XXXX XXXX said to me XXXX XXXX the only thing I can tell you is that XXXX XXXX has suspended your account, your card has been cut off and the only thing you can do, is come in physically and withdraw funds out of your account, and you will eventually have come to the branch and closed out your entire account because she has suspended your account and services. he also informed me that was all he could tell me for the time being and for any other information I would have to call XXXX XXXX at XXXX We then ended our conversation. I called XXXX XXXX and he did not answer and I left a message for him to call me back.
I have called the customer service XXXX department XXXX left XXXX statements with your complaint department attendants I was told that I will be contacted by someone but up until this point, I have not heard anything from anyone explaining to me why my account was closed this is discontinued and why was I asked to withdraw my money from the bank. As I stated I am a XXXX XXXX vXXXX who served in the United States XXXX and I have been having my government XXXX XXXX direct deposited for a little over a year now and up until recently I have had no problems until XXXX XXXX XXXX XXXX XXXX my banking affairs. And as I also said earlier, I understand that mistakes do happen, but when I approached the branch XXXX about a mistake, she herself made on my personal account, and her response is that it's better for me to go somewhere else rather than to put forth a decent effort to help me, a costumer, was very disconcerting at the lest.
I would like to know # XXXX. How can a bank XXXX close someone's account for complaining about poor service and demanding that he or she be more careful and mindful when making adjustments to someone's personal checking and savings accounts? # 2. I would like to know why after XXXX XXXX sat down with me and discussed my entire situation and problem with me, why would she have my card cut off and my service is discontinued without informing me first? she knew that I was potentially leaving out of town and that I would need that card to be on and working, because I told her so. No one knew at the bank, that I hand totally canceled my trip because at the time I was at the bank trying to get everything straightened out I let her know that I would try to catch a latter train or bus. If I had decided to leave out of town anyway that day, I would have had major problems traveling and or making it back home I think her intentions and motives towards me should be investigated.
As a result of all of this I lost {$3500.00} in wages and a potential jobs. it is my wish that someone of in higher authority at regions bank investigate this situation for me down here in XXXX XXXX because it appears to me that there is evidence of systemic racism on behalf of XXXX XXXX. at the very least incompetence, and poor customer service. I exercised my right as a customer to complain about a mistake, concerning my account, and my money at a regions bank that the bank XXXX herself made. I was disrespected and retaliated against unfairly XXXX XXXX essentially used your corporate hammer to hit me in the head. For complaining about her making a mistake that cost me a job and money XXXX XXXX XXXX P
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| 06/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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About three weeks ago on XX/XX/XXXX, I opened an account with Regions Bank online/through their app. There was a {$50.00} fee required to open the account, but I received an email from them shortly after opening the account telling me that I would have 30 days from opening to pay the {$50.00} fee, so I did not do so at that time. I noticed that I was unable to use any functions of the new account through the app or on their online banking site, but I did not know why. On XX/XX/XXXX, I tried to deposit a {$400.00} check from a local business that I had received for selling my old vehicle, and it was rejected via mobile deposit, but it did not explain why. I contacted their mobile customer support via chat on their app, and they notified me that I would need to wait 72 hours before I would be able to use mobile check deposit, since the account was new. I ended up depositing it through another bank. After the 72 hours had passed, which I assumed was some kind of " new customer waiting period '', I still could not use the app to add money, request a debit card, or do literally anything other than look at my {$0.00} balance. I was never informed as to why, nor did I receive any other correspondence from the bank at all about anything.
About two weeks later, I had returned from a trip out of town, and I received a check in the mail from the U.S. Treasury from my tax refund from XXXX, which I had amended ( this is why it took two years for me to receive the check ). This was on XX/XX/XXXX. I knew that Regions had the option to mobile deposit checks with the options of either having immediate access to the funds ( for a fee ), or having access to the funds " available tonight '' ( no charge ), and since it was past closing time for all local banks by the time I retrieved the check from my mailbox, I figured this would be a better option than waiting until the following day to try to cash it. I was able to use the mobile deposit feature since it had been more than 72 hours since I opened the account, and I followed the instructions in the app, endorsed the check and wrote " for Regions mobile deposit '' on the back of it, and took the necessary photos of the check and clicked " submit ''. My check was rejected immediately, with no reason given. I realized I had entered the wrong amount in the mobile app, and it didn't match the check ( I had switched two numbers around, instead of the amount being {$3.00}, XXXX, I entered {$3.00}, XXXX ), so I entered the correct amount and submitted it again. Once again, it was rejected. I tried twice more, thinking that the lighting was bad or maybe my hands were shaking the camera too much. Rejected both times. By now, it was past the XXXX p.m. cut off time for mobile check deposits, and I knew that I would have to wait until later that night at least before my funds were available. At this point, I contacted Regions Bank customer service via their mobile chat option within the app. After waiting 15 minutes, a customer service representative responded to my message and informed me that the check had been rejected for immediate availability, and she advised me to re-submit the check and select the " Funds available tonight '' option. She did not elaborate on why the check was rejected for immediate availability, but I figured that waiting a few hours wasn't much difference and I submitted it as instructed. It was accepted, and according to the app, my funds would be available that night before midnight. I could see that my deposit was pending for the full amount, and my " projected balance '' was {$3800.00}, but my available balance was still {$0.00}. I received no further correspondence from Regions Bank, and my functionality within the app and online banking was still limited.
Later that night around midnight, I checked the progress of the deposit within my app. It still said pending ; it did not clear that night as I had been told it would. I still had limited functionality within the mobile app, so I logged onto my account on my laptop, and was able to finally order a Regions check card to be mailed to my address on file. I went to sleep, thinking that my check would surely have cleared in the morning.
However, when I woke up that morning around XXXX a.m., my check hadn't cleared and no funds were available. I hadn't received any notifications or alerts from Regions as to why. Next to my deposit amount and balance in the app, it said " pending ... deposited item on hold '' with no date or further explanation. I contacted support immediately, and she said " You should receive a notification in the mail within 5-7 business days explaining the reason for the hold. Unfortunately, through this channel we are unable to determine the reason for the hold or expedite the release of the hold. I sincerely apologize for any inconvenience. If you have any additional questions regarding this hold, please visit your local branch. '' Within 15 minutes of this conversation, another message appeared next to my deposit in the app, which said " pending - deposited item hold thru XX/XX/XXXX - {$3800.00} '' underneath " XX/XX/XXXX mobile deposit {$3800.00} ''.
The following day, XX/XX/XXXX, I visited my local branch like I was told to, and I brought with me the check, my ID, and a print out from my IRS transcript showing the date the amount was credited to me and the date the check had been written by the Treasury, in case there was any questions as to the validity of the check. The first person I spoke with at the bank, the teller, told me that the reason my check was being held was because my account had been closed out since I had not made the initial {$50.00} deposit when I opened the account. I told her that I thought that I had 30 days to make the initial deposit, and I pulled up the only email I had received from Regions thus far, where it clearly states that I " have 30 days to make the initial {$50.00} deposit before the account is closed ''. She told me I would have to wait and speak with a banker, so I did. I spoke with XXXX XXXX XXXX XXXX? ) at the branch in her office. I explained to her what the issue was with depositing my check and also the limited functionality within the mobile app, and she assured me that my account had not in fact been closed out, but that the issues were due to the fact that since I created the account online, they did not have my signature on file at the branch and that all I needed to do was provide them with my driver 's license and my signature on a form and my problems would be solved. I did so, and she informed me that once she had my signature and ID on file, she could provide me with a Regions check card right then rather than me having to wait for it in the mail. In addition, because she could clearly see the check in front of her, and because it was a U.S. Treasury check, and it was not made out to anyone else but to me ( the account holder ), if I would leave the check in her possession at the branch, she would scan it into the computer and the bank would take responsibility for the check, therefore lifting the hold and allowing me to access my funds ( in her words ), " either later this evening around XXXX p.m., or if not then, then first thing in the morning ''. I agreed to do so after she assured me multiple times that my funds would be available that same day or the following morning, although my original intention when I arrived at the branch that afternoon was to ask them to cancel the deposit so that I could re-deposit my check elsewhere or cash it elsewhere, because I needed the funds immediately.
Needless to say, my funds were not available that night, nor were they available the following morning, or the morning after that. On XX/XX/XXXX, after my funds were not available as promised and there were no additional updates from Regions, I called the bank branch I had visited the previous day to ask what the problem was. I was put on hold for several minutes before being told that the banker I had spoken with the previous day was not in at all that day ( XXXX ). I explained my issue and the woman I spoke with told me that one of the other bankers in that day would call me back to discuss things, but that everyone at the bank was extremely busy with " customers in front of them '', and apparently there was no one who could speak with me at that time ( even though I am also a customer, and while I may not have been physically in front of them, I would have been had it not been for the fact that my funds were being held for no reason and I literally didn't have the gas in my vehicle to make it to the branch that day ). I left my contact information with her and hung up.
After about an hour and a half, with only 30 minutes left before the branch closed for the weekend, I tried to call Regions ' customer service phone number. After explaining my issue to the representative, she told me that she didn't know why the banker would have told me that my funds would be available the night before or that day, because no one is able to release or expedite a hold on a check, and there was literally nothing that anyone could do about it, but that she apologized that " the banker had given me false information ''. She claimed that she could not see the reason for the hold on my check, and that I would need to speak with someone at the branch to solve the issue. I sarcastically thanked her for her time and hung up.
With only 15 minutes left until closing, I still had not heard from the branch, so I called once again. The same woman I had previously spoken with answered and had an attitude with me, cutting me off when I asked if there was anyone who could help me. She told me that the reason no one had returned my call was because " everyone has customers, there are customers everywhere, in front of everyone '' and that because the banker I worked with on Friday was not in that day, I would have to wait until Monday to speak with anyone and nobody could help me at all until then. I hung up on her.
As of today, XX/XX/XXXX, my check still has not cleared. Not only that, but because it is in the banker 's possession, I am unable to cash it anywhere else. There has been no further correspondence from Regions and no updates in my app or online. Clearly their customer service is unable or unwilling to help, and I doubt they would be of much help anyway due to their shocking incompetence and obvious willingness to lie to get me off the phone/out of their office. I still don't understand why my check is being held, when it is a government check, it is less than {$5000.00}, and I have provided them with every piece of identification and information they have requested in a timely manner. If there is some legitimate reason for my check being held for ( according to the app ) TEN CALENDAR DAYS AFTER IT WAS ORIGINALLY DEPOSITED, I believe they should communicate that clearly and with conviction, because to me, it sounds like they are just making up excuses to keep me from being able to take my check and cash it elsewhere, and I believe this is wrong and possibly illegal. I am sick of banks taking advantage of customers this way, and I see it literally all the time. Something needs to be done.
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| 10/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX ) XXXX text/cell Regarding REGIONS PRESTIGE VISA I agreed to receive and pay shipping charges on a 30-day sample product.
I received that sample plus an additional different sample product.
Since the shipping on the additional sample was minimal, I did not complain.
I did not at any time agree to receive ( what I have since learned is ) a subscription However, 2 weeks later I received a full price order. 2 weeks after that I was charged for another full price order. I never received that one.
When I got my statement, I immediately called the bank and reported unauthorized charges. I cancelled my credit card. At that time, I had only the first shipments and charges, however, there were more charges pending which I asked them to cancel. They did not.
I spoke to Claims Resolution Department. They declined to refund the unauthorized charges via letter dated XX/XX/XXXX. I called again with same result. They were able to give me the phone numbers for the companies. I had not identified them as they were listed within the transaction # s. I also went physically to the bank. I sent a letter to Corporate.
Corporate Office Address : Regions Bank, Headquarters XXXX XXXX. XXXX.
XXXX, Alabama XXXX I called the given phone numbers for sender. There were 4 different numbers 1 applied to each product.
I called them all, some multiple times. I was denied a refund each time. I was told I had agreed to a " subscription '' receiving the product every 2 weeks. I protested because, first, I had agreed to nothing and second even if I had it would certainly not be every 2 weeks. The website listed results may take 30 days to show improvement ; so why would I agree to accept a shipment for a 2-week period. I tried to research the Website but found there were multiples. I could not remember because frankly I didnt expect I would have to remember.
I spoke with what I believe might have been the " manager ''. He finally agreed to refund the products ; 2 of which I had not received as of then. However, restocking fee of {$9.00} each plus shipping charge for each item. I declined the offer.
Below see transactions each one assigned a different name and sent on different dates.
XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$88.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$84.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX XXXX {$94.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$90.00} At this point I still kept trying to communicate to the bank through phone calls and emails that I expected them to take responsibility for and cover these unauthorized charges. Each time I was refused stating they were authorized. I asked for proof of course there was none.
Excerpt from Email I sent to Regions : " There is no doubt in my mind they were not a reliable source. What kind of " investigation '' was done?
They " told '' you it was a subscription? Did someone just say " ok '' and threw the ball back to me? Was there ever any proof I subscribed? Of course, not because I didn't. Is it REALLY that easy for Scam Artists to get passed the bank? Are my accounts protected at all? The amount of protection sounds great, but it doesn't mean anything if Petty Criminals can dupe the bank So, I am throwing the ball back to Regions '' I finally spoke to someone from the sending company. I called the individual phone numbers got same refusal.
After much discussion and assuring me the Post Office showed they sent the second shipment ( which they didn't ) she agreed to first a partial then eventually a full refund.
It didn't happen. I called again was given transaction numbers they never did appear. My final communication with Sender, after I threatened to report them to the Attorney General and asked for their business license the agent told me " Do what you got ta do '' and hung up.
I did report them to the Attorney General. They are working on it. However, I needed to give them an address for the sender. The only address I have is a Fulfilment Center. I am sure that will not be of any help to them.
I am sending email communications with bank. I have a letter addressed but not a working scanner.
All communications with Sending Company were via phone Several times on several days.
-- - Original Message -- - From : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Charges I spoke with Bank XXXX Credit Card Dept. They investigated and said the charge was a subscription ( every two weeks XXXX agreement and they could not remove it. After " investigation '' Regions sent letter stating it was an authorized " Subscription '' They couldn't remove it plus they went ahead and put the pending charges through I got the phone numbers from the Bank for Company/Companies There was different phone number, Company name and amount for each charge. I contacted several them times and the different numbers. They insisted I had agreed to a twice weekly charge. I KNOW it was only a 30-day trial. Plus, it stated I needed to use the product every day for the 30 days to see results so why would I want to order the product before I could determine results. It had been only 2 weeks before they charged for the products I had not ordered and received after the charge. Then came next 2 more Charges No product They agreed to a refund but would charge a restocking fee of {$9.00} each plus shipping charge for each item Charge to be put back on same card which I had immediately cancelled I certainly was NOT going to give them another charge card for them to have access. They charged me again for the items and I never did receive them I agreed to a free trial for 30 days ( sample ) only paying shipping cost for 1 product They sent 2 different products. Since it was a small shipping charge, I let it go.
After speaking to several different people, it was agreed they would refund for the products I never received. I never agreed at any time I would be satisfied with partial refund. They played the " I can't hear you '' card then hung up. I waited for refund transactions to show on my account. They did not post. I called back. I was told it would be taken care of and I would receive emails stating the amounts refunded. Of course, they never did. I gave them a week and called again. This time I was given transaction numbers. Still no posting. I told them they needed to take care of it immediately. They were nonplussed. I said I would contact the Attorney General and asked for their business license. The agent told me " Do what you got ta do '' and hung up.
I did contact the Attorney General but no promise I would ever hear back. At least it is filed.
Now here 's Regions part There is no doubt in my mind they were not a reliable source. What kind of " investigation '' was done?
They " told '' you it was a subscription? Did someone just say " ok '' and threw the ball back to me? Was there ever any proof I subscribed? Of course, not because I didn't. Is it REALLY that easy for Scam Artists to get passed the bank? Are my accounts protected at all? The amount sounds great, but it doesn't mean anything if Petty Criminals can dupe the bank So, I am throwing the ball back to Regions I am a good customer and have been for more years than I can remember.
I have 2 checking accounts, a " NOW '' card for my daughter and a Money Market : as well as XXXX XXXX XXXX XXXX I am listing pertinent info below that I expect the bank to take responsibility for and cover these unauthorized charges.
XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$88.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$84.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX XXXX {$94.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX BeautiSkin {$90.00} XXXX XXXX XXXX XXXX XXXX ) XXXX cell / text -- - Original Message -- - To : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Charges XXXX, Thank you for your message. I apologize for any inconvenience caused by this matter.
Please know, that the dispute process is not a guarantee for reimbursement. It is a process where all the information provided is considered and an outcome is determined. It is an attempt on our part, to provide a resolution for our customers, when a merchant refuses.
Additionally, when signing up for a free trial offer, the merchant can make additional authorizations for products and services as agreed upon in the terms and conditions of the trial offer with the merchant. Since these charges are agreed upon at the time of accepting the trial offer, it is necessary to contact the merchant directly about the additional charges or to request the terms and Conditions of the trial you signed up for.
For additional assistance regarding the investigation and claim, please contact our Credit Card Claims department directly at XXXX ( option 1 then press 1 and 1 ).
Please know we understand your time is valuable and we would not ask you to call unless necessary.
Have a great day!
Regions XXXX XXXX is always here to help. If you have any other questions let us know.
Call - Call us at XXXX, 24 hours a day, 7 days a week.
Click - Simply respond to this message or email us securely through Regions.com Come in - Visit any local branch Thank you for banking with Regions.
XXXX XXXX -- - Original Message -- - From : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Subscription APPARENTLY, YOU, LIKE THE " INVESTIGATOR '', DID NOT REALLY READ WHAT I WROTE OR YOU WOULD REALIZE THESE " PEOPLE '' ARE NOT LEGIT I HAVE THOROUGHLY GONE THROUGH AS MUCH SELF-HELP AS POSSIBLE.
4 DIFFERENT PHONE NUMBERS 4 DIFFERENT BUSINESS NAMES 4 DIFFERENT AMOUNTS NO PROOF WHATSOEVER SENT A PRODUCT NEVER REQUESTED CHARGED FOR PRODUCT NEVER RECEIVED GAVE ME BOGUS TRANSACTION NUMBERS CONTACTED ATTORNEY GENERAL SO, MY TAKEAWAY IS MY BUSINESS IS NOT WORTH YOUR EFFORT I WOULD LIKE THIS COMPLAINT TO BE ESCALATED TO A CORPORATE LEVEL YOUR RIGHT I SHOULD NOT WASTE MY TIME CALLING BECAUSE THAT WAS A WASTED EFFORT XXXX XXXX -- - Original Message -- - To : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Charges XXXX, Thank you for your message. I apologize for any inconvenience this has caused.
I can confirm we have read your messages and replied with all information we have available. However, we do not investigate these claims in this department and the Credit Card Claims department does not assist via email.
Therefore, for additional assistance regarding this claim, it will be necessary to contact our Credit Card Claims department directly at XXXX ( option 1 then press 1 and 1 ).
Please know we understand your time is valuable and we would not ask you to call unless necessary.
Have a great day!
Regions XXXX XXXX is always here to help. If you have any other questions let us know.
Call - Call us at XXXX, 24 hours a day, 7 days a week.
Click - Simply respond to this message or email us securely through Regions.com Come in - Visit any local branch Thank you for banking with Regions.
XXXX
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| 07/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Hello. Please read the previous email threads, though long, these are short in comparison to the number of times I've requested assistance from Regions by phone and in person, only to be hung up on, given a reference number that no other Regions rep would ask for or take to follow up on. The second from the last time I called on XX/XX/2018, the Regions rep at the XXXX number checked my account and saw no notes since I've called, no credits to loss funds by Regions who failed twice, maybe more, to apply STOP PAYMENT, with no apologies, just bad customer service. Again, this is another follow up to many, many, many previous unsuccessful follow ups. After many, many, many times speaking to Regions Bank XXXX Green Line customer service number, and visiting branches with no success, I was instructed by the most recent Regions XXXX customer service representative after inquring how can I reach someone, no one has cared or did anything regarding this matter, I was referred to the email : XXXX. Yet, yesterday, late while at work I recieved an unidentified miss call, called back while at work on break to see it was the XXXX Regions green line calling from a ( XXXX ) XXXX area code phone number, the hold was soo long that no one was reached, again at work. I placed the STOP PAYMENT on my account in the XX/XX/2018, yet Regions failed me twice, even after Regions suggested and issued a new debit card, failing to close out the old one. Again, I've lost {$74.00} at least three times, twice in XX/XX/2018 I believe, plus I lost the Regions STOP PAYMENT fee. I am an unsatisfied customer, and when situations permit, will be leaving and following up with continued complaints and reviews as hundreds of others I've heard from. I understand from the auto generated email of email being unsecured therefore, my account number ofcourse wasn't emailed, yet even after calling into the secured Regions XXXX customer service line talking with many Regions reps, still no success, this has been a continuous cycles of Regions giving me the run around and still MY MONEY IS GONE. I am again statng Regions needs to RESTORE MY FUNDS TO MY ACCOUNT. A solution must be met.ie XXXX XXXX To : XXXX, XXXX, XXXX, Regions, Regions and 6 more ...
Cc : Securities and Exchange Commission, CFPB_WHISTLEBLOWER, CFPBPress, Consumer Financial Protection Bureau, XXXX and 21 more ...
XX/XX/XXXX at XXXX XXXX Hello. Please read the previous email threads, though long, these are short in comparison to the number of times I've requested assistance from Regions by phone and in person, only to be hung up on, given a reference number that no other Regions rep would ask for or take to follow up on. The second from the last time I called on XX/XX/2018, the Regions rep at the XXXX number checked my account and saw no notes since I've called, no credits to loss funds by Regions who failed twice, maybe more, to apply STOP PAYMENT, with no apologies, just bad customer service. Again, this is another follow up to many, many, many previous unsuccessful follow ups. After many, many, many times speaking to Regions Bank XXXX Green Line customer service number, and visiting branches with no success, I was instructed by the most recent Regions XXXX customer service representative after inquring how can I reach someone, no one has cared or did anything regarding this matter, I was referred to the email : XXXX. Yet, yesterday, late while at work I recieved an unidentified miss call, called back while at work on break to see it was the XXXX Regions green line calling from a ( XXXX ) XXXX area code phone number, the hold was soo long that no one was reached, again at work. I placed the STOP PAYMENT on my account in the spring of 2018, yet Regions failed me twice, even after Regions suggested and issued a new debit card, failing to close out the old one. Again, I've lost {$74.00} at least three times, twice in XX/XX/2018 I believe, plus I lost the Regions STOP PAYMENT fee. I am an unsatisfied customer, and when situations permit, will be leaving and following up with continued complaints and reviews as hundreds of others I've heard from. I understand from the auto generated email of email being unsecured therefore, my account number ofcourse wasn't emailed, yet even after calling into the secured Regions XXXX customer service line talking with many Regions reps, still no success, this has been a continuous cycles of Regions giving me the run around and still MY MONEY IS GONE. I am again statng Regions needs to RESTORE MY FUNDS TO MY ACCOUNT. A solution must be met.
Hide original message -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; Regions XXXX ; XXXX XXXX ; XXXX XXXX ; Regions XXXX ; Regions XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Regions XXXX ; XXXX XXXX XXXX Sent : Monday, XX/XX/2018, XXXXXXXX XXXX CDT Subject : Fw : RE : Fw : Re : RE : Contact Us Personal Account Other << # XXXX # >> Hello. I already contacted Region Bank securely by phone several times. Please see reply message below from Regions Bank.
XXXX XXXX XXXX Customer -- -- - Forwarded Message -- -- - From : Regions Bank Customer Service XXXX To : " XXXX '' XXXX Sent : Monday, XX/XX/2018, XXXX XXXX CDT Subject : RE : Fw : Re : RE : Contact Us Personal Account Other << # XXXX # >> XXXX XXXX, Thank you for your message. I'm so sorry to hear about any inconvenience you've experienced. I have documented your concerns and we would be glad to assist you. However, we must ask you to contact us securely.
Security is very important to Regions. That is why we can not provide any account sensitive information through normal email. We can not vouch for the security of individual email providers.
We have established a secure messaging system through Regions Online Banking that may be used to help customers. To ensure that we are able to provide you with the most accurate information, we ask that you contact us using this secure method. To send a secure message : Log into Online Banking.
Select Email Us under Need Help on the right-hand side of the screen.
Then select Compose.
Select the type of inquiry from the drop down.
The subject should be the reason for your email.
Fill out any applicable details in the message box.
Select send.
We look forward to hearing from you again. Im sorry that there isnt more I can do for you through this unsecured email channel.
If you dont have access to Online Banking, you can contact us securely by calling us at XXXXCall : XXXX ( XXXXCall : XXXX ) Monday through Friday XXXXXXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXXXXXX XXXX ( CT ). You may also visit any local branch for assistance.
Have a great day!
Regions Green Line is always here to help. If you have any other questions let us know.
Call - Call us at XXXX ( XXXX ), Monday Friday, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX ( CT ) Click - Simply respond to this message or email us securely through Regions.com Come in - Visit any local branch Thank you for banking with Regions.
XXXX Regions values your privacy and security. To read our privacy and security policies, please visit our website.
This message is for the named person 's use only. It may contain confidential, proprietary or legally privileged information. No confidentiality or privilege is waived or lost by any accidental transmission. If you receive this message in error, please immediately destroy it and notify the sender. You must not, directly or indirectly, use, disclose, distribute, print, or copy any part of this message if you are not the intended recipient.
2018 Regions Bank | Equal Housing Lender | Member FDIC XXXX XXXX -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/18 XXXXXXXX XXXX CDT To : " XXXX '' XXXX, " XXXX '' XXXX, " XXXX '' XXXX, " XXXX XXXX XXXX, " Regions '' XXXX, " Regions '' XXXX, " Regions '' XXXX, " XXXX '' XXXX, " XXXX '' XXXX, " Regions '' XXXX, " XXXX XXXX '' XXXX Subject : Fw : Re : RE : Contact Us Personal Account Other [ External Content ] Please use caution.
Hello. This is a long ongoing complaint I place with Regions Bank XXXX customer service number in XX/XX/2018, after paying Regions Bank STOP PAYMENT fee, to only many times still have the STOP PAYMENT failed by Regions, a second time because Regions Bank failed to, as stated and followed up Close Out old debit card, so atleast twice, maybe more, I loss {$74.00} bank draft and the Regions STOP PAYMENT fee, which failed me as a customer. I will keep following up complaints at all levels. I was even given a complaint reference number, yet everytime I follow up calling Regions customer service XXXX # no resolution or information is available. The customer service supervisor I spoke to was rude, and hung up on me. Something must be done, I trusted Regions Bank to hold and handle my money and Regions Bank failed to do their job in customer service, allowed and disallowed debits/drafts, closing old debit card after issue of new and following up as stated with Regions Bank that assured this would be solved, and honoring my Regions required STOP PAYMENT fee paid. I am again requesting my loss funds be restored by Regions and STOP PAYMENT fee be refunded.
XXXX XXXX XXXX Regions Bank Customer XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : Regions Bank Customer Service XXXX ; Regions XXXX ; Regions XXXX ; Regions XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Sent : Friday, XX/XX/2018, XXXX XXXX CDT Subject : Re : RE : Contact Us Personal Account Other RE : Regions Bank Customer STOP PAYMENT request did not go through on XX/XX/2018 XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Dear XXXX, Lease ID : XXXX Thank you for completing your payment.
Payment made on XXXX.
Payment Summary : Amount {$69.00} Tax {$4.00} _________________________ Total {$74.00} Contact Us | Regions Contact Us | Regions Need assistance or have a question you want answered? Visit our FAQs page or Contact Regions Bank today.
Hello. I received an email today, Friday, XX/XX/2018, a receipt of payment from XXXX XXXX when a few months ago, I called Regions Customer Service and requested, and was issued a STOP PAYMENT, with the STOP PAYMENT fee. I was told the STOP PAYMENT was good for so many months, and yet, an unwilling payment was made to XXXX XXXX from my personal Regions Bank Account. Assistance is needed.
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| 06/19/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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|
Web |
Older American |
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Vile Regions Bank Home Equity Variable Interest Rate Loan PREDATORY UPON A SENIOR CITIZEN WITH A FIXED INCOME [ 1 ] Regions bank provided me with a fixed interest rate mortgage loan initially. ( XXXX or XXXX ) [ 2 ] Regions bank then destroyed the fixed interest rate mortgage loan on the pretense that a variable interest rate would be lower and would provide me with more money. ( XXXX ) [ 3 ] XXXX, the home equity lender, ( XXXX, Florida, Regions ) said my monthly payments would be lower. I relied on her word and trusted her.
[ 4 ] XXXX did not give me a copy of the paperwork for the new improved loan. She said she would keep it in her desk for safekeeping. Two weeks later, XXXX was no longer employed at that Regions bank.
[ 5 ] XXXX also found a friend of hers in the City of XXXX, as I recall, to put insurance on my house. XXXX said that the insurance payments to her friends company would be on auto pay.
[ 6 ] I was later to learn that the payments were not on autopay. When I called Regions bank to ask the name of the insurer ( e.g., the friend of XXXX ), no one seemed to know. They said they no longer had that original paperwork ( which I never got a copy of ).
[ 7 ] During COVID, this better loan that XXXX talked me into grew, grew, and grew in monthly payments. It is now unaffordable, and I never knew this would happen to me. I was nave and XXXX took advantage of my lack of knowledge.
[ 8 ] Today ( XX/XX/XXXX ), I found out something even more horrific about this horrible, variable interest rate loan that is killing me. I found out that the exorbitant costly insurance forced upon me has a {$9300.00} wind deductible for roof damage. I can not tell you how stunned I am.
[ 9 ] About a year ago, I called XXXX at Regions Bank ( downtown XXXX, Missouri ). His solution was for me to cancel the variable interest rate loan and start all over with ANOTHER loan, more money, with another 15 years on my head. This is NOT a solution. It is simply a way to saddle me with endless debt.
[ 10 ] Another Regions Bank employee ( XXXX, Florida ), when made aware of this horrific loan on my head said, Well, who could have predicted that interest rates would go up so much?
This rhetorical question is not an apology and it does not solve the financial damage being done to me.
[ 11 ] No employee at Regions Bank should have ever talked a XXXX-year-old woman into a VARIABLE interest rate loan. That was unfair and predatory.
So, thats when I decided to look up the definition of predatory lending, here : The loan Regions gave me matches the definition : XXXX XXXX XXXX And here is more proof that I have been saddled with a predatory loan from Regions Bank , with predatory loan practices.
Predatory Lending : How to Avoid, Examples and Protections By XXXX XXXX Updated XX/XX/XXXX Reviewed by XXXX XXXX What Is Predatory Lending?
Predatory lending typically means imposing unfair, deceptive, or abusive loan terms on borrowers. In many cases, these loans carry high fees and interest rates, strip the borrower of equity, or place a creditworthy borrower in a lower credit-rated ( and more expensive ) loan, all to the lender 's benefit.
Predatory lenders often use aggressive sales tactics and exploit borrowers lack of understanding of financial transactions. Through deceptive or fraudulent actions and a lack of transparency, they entice, induce, and assist a borrower in taking out a loan they will not reasonably be able to pay back.
KEY TAKEAWAYS Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers.
Some aspects of predatory lending include high-interest rates, high fees, and terms that strip the borrower of equity.
The economic impact of COVID-19 gave way for cash-strapped consumers to become vulnerable to predatory loans.1 Predatory lending disproportionately affects women, XXXX, and XXXX communities.
Predatory lending often occurs in conjunction with home mortgages.
How Predatory Lending Works Predatory lending includes any unscrupulous practices carried out by lenders to entice, induce, mislead, and assist borrowers toward taking out loans they are unable to pay back reasonably or must pay back at a cost that is extremely above the market rate. Predatory lenders take advantage of borrowers ' circumstances or lack of knowledge.
Predatory lending puts many borrowers at risk, but it especially targets those with few credit options or who are vulnerable in other wayspeople whose inadequate income leads to regular and urgent needs for cash to make ends meet, those with low credit scores, those with less access to education, or those subject to discriminatory lending practices because of their race, ethnicity, age, or disability.
Predatory Lending Tactics to Watch Out for Predatory lending is designed, above all, to benefit the lender. It ignores or hinders the borrowers ability to repay a debt. Lending tactics are often deceptive and attempt to take advantage of a borrowers lack of understanding of financial terms and the rules surrounding loans. These tactics can include those identified by the Federal Deposit Insurance Corporation ( FDIC ), along with several others : Excessive and abusive fees : These are often disguised or downplayed because they are not included in a loan 's interest rate. According to the FDIC, fees totaling more than 5 % of the loan amount are not uncommon. Excessive prepayment penalties are another example.2 Loan flipping : The lender pressures a borrower to refinance, again and again, generating fees and points for the lender each time. As a result, a borrower can end up trapped by an escalating debt burden.2 Asset-based lending and equity stripping : The lender grants a loan based on your asset, say a home or a car, rather than on your ability to repay the loan. You risk losing your home or car when you fall behind on payments.2 Equity-rich, cash-poor older adults on fixed incomes may be targeted with loans ( say, for a house repair ) that they will have difficulty repaying and that will jeopardize their equity in their home.
Predatory Lenders typically target vulnerable populations, such as those struggling to meet monthly expenses ; people who have recently lost their jobs ; and those who are denied access to a wider range of credit options for illegal reasons, such as discrimination based on a lack of education or older age.
What Is an Example of Predatory Lending?
Whenever a lender seeks to take advantage of a borrower and tie them into unfair or unmanageable loan terms, it can be considered predatory lending. Telling signs of a predatory lender include aggressive solicitations, excessive borrowing costs, high prepayment penalties, big balloon payments, and being encouraged to consistently flip loans.
Is Predatory Lending a Crime?
In theory, yes. If you are enticed and misled into taking out a loan that carries higher fees than your risk profile warrants or that you are unlikely to be able to pay back, you have potentially been the victim of a crime. There are laws in place to protect consumers against predatory lending, though plenty of lenders continue to get away with it, partly because consumers dont know their rights.
Can I Sue for Predatory Lending?
If you can prove that your lender violated local or federal laws, including the Truth in Lending Act ( TILA ), you may want to consider filing a lawsuit. Its never easy going against a wealthy financial institution. However, if you have proof that this lender broke rules, you have a reasonable chance of being compensated. As a first step, contact your state consumer protection agency.
The Bottom Line Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. And in many cases, predatory lenders have targeted vulnerable populations.
Predatory lenders aren't all loan sharks. A great deal of predatory lending is carried out by more established institutions such as banks, finance companies, mortgage brokers, attorneys, or real estate contractors. The subprime mortgage boom in the years leading up to XXXX was, arguably, an example of predatory lending.26 This above article was quite the eye opener for me, and it let me know that I am the victim of a predatory loan from Regions Bank .
XXXX at Regions bank -- Most everything she promised me turned out to not be true, including that the insurance person she found for me would be paid automatically every three months. Regions has instead placed the highest insurance on me in addition to the fluctuating ever rising 10-years-more payments. The insurance they selected is a train wreck for me with a {$9300.00} deductible.
Here is another relevant article.
XXXX XXXX XXXX What is the Regions Bank controversy ?
Customer fraud In XXXX, Regions paid {$200.00} XXXX to settle with the U.S. Securities and Exchange Commission over mispricing risky mortgage-backed bonds in its conservative mutual funds in its Morgan Keegan subsidiary .
https : XXXX Why is fixed better than variable?
The main advantage of a fixed rate home loan is certainty. You can lock in or 'fix ' your interest rate for a certain period of time typically between one and five years and plan for the future, knowing that your repayments will stay the same during that time.
SOLUTIONS : *I WANT A LOWER DEDUCTIBLE ON THE HORRIBLE INSURANCE POLICY CREATED BY REGIONS TO BENEFIT ONLY REGIONS BANK WHO HAS TAKEN EXTREME ADVANTAGE OF ME, A SENIOR CITIZEN, AS APPLIED TO THE CURRENT CLAIM.
*I WANT REGIONS TO PAY THE DEDUCTIBLE ON THE CURRENT ROOF DAMAGE CLAIM.
*I WANT THE LOAN TO GO BACK TO WHAT IT WAS, FIXED, WITHOUT GIVING ME MORE MONEY AND WITHOUT MAKING ME RESPONSIBLE FOR ANOTHER 15 YEARS OF DEBT UNTIL I AM XXXX YEARS OLD. That is a predatory solution suggested by Regions Bank.
BEST SOLUTION : I WANT THE LOAN COMPLETELY TERMINATED FOR FRAUD COMMITTED UPON ME. IN FIVE PLUS YEARS TIME, THEY ALREADY GOT SO MUCH MONEY OUT OF ME.
I CANT EVEN AFFORD TO FIX MY ROOF, THANKS TO REGIONS BANK. I CANT EVEN AFFORD ANYTHING, THANKS TO REGIONS BANK.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX
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| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XX/XX/XXXX From : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX, XXXX Re : $ XXXX Wire Fraud. XX/XX/XXXX My Regions online bank account permissions were changed to allow WIRE TRANSFERs out of my bank account without my permission. Then money was wired of of my bank accounts without my permission.
Wire Fraud Fraudulent wires originated from a Florida residents, Florida corporations bank accounts, doing business with a Regions Bank ( licensed in Alabama ) at a Florida Branch, Scammers Hackers are Florida Residents with Florida addresses who took the money illegally using XXXX accounts with account holder Florida address on wire instructions.
What FLORIDA law enforcement agency has jurisdiction over this crime?
What agency regulates banking in FLORIDA?
How can somebody just CLICK and send a wire from an account that never been able to send a wire previously? And do so from a ip address that has never been used to access the banks online portal?
We NEVER gave our account numbers or login information.
On XXXX XX/XX/XXXX my wife XXXX XXXX XXXX and I, XXXX XXXX XXXX XXXX were defrauded of {$210000.00}. This happened by the FRAUDSTERS wiring money from three business accounts which never had the ability to wire funds without personally appearing at the branch. One account was the security deposit account for our hundreds of rental units the XXXX operate.
XXXX and XXXX both received phone calls from hackers about XXXX XXXX for XXXX and XXXX for XXXX. XXXX was traveling in XXXX XXXX XXXX. XXXX got the call while riding a bicycle in XXXX XXXX.
The hackers had access to our bank account when the phone calls were made to XXXX and XXXX. The caller claimed to be a Regions Bank Fraud Agent. To verify his identity, he was able to tell us our account numbers, FEIN numbers, Balances and recent transactions. The caller claimed suspicious activity on our account in Texas and gave bogus fraud charges happening on our accounts as examples to gain our trust. He texted us a transaction to respond with 1 for YES and 2 for NO if this transaction is fraud. While he was on the phone with us. He then demanded that we escalate the fraud to next tier by typing the case number into our phone. XXXX XXXX realized that this was forwarding her phone and unforwarded he phone after 5 minutes, XXXX spent 15min trying to unforwarded his XXXX XXXX .
XXXX then called the Regions Bank located at XXXX XXXX XXXX XXXX. XXXX FL. XXXX spoke with XXXX XXXX. XXXX logged into XXXX accounts and said he saw no suspicious activity to any accounts. He stated no money had been moved. He suggested to change passwords.
XXXX then called XXXX XXXX in our office and XXXX gave XXXX her login and password and asked XXXX to CHANGE the PASSWORD because of a suspected hacker. XXXX changed the password XXXX times around XXXX.
XXXX called XXXX XXXX at the office at XXXX XXXX after he unforwarded his phone by XXXX. XXXX then rode his bicycle to the XXXX XXXX XXXX arriving around XXXX XXXX and met XXXX and discussed suspicious calls to XXXX and XXXX. XXXX tried to call Regions Fraud Dept at the toll-free number but cant remember if he got through all the prompts. A call was made to the local Regions branch in XXXX XXXX where employee XXXX XXXX said to get to the XXXX XXXX Regions branch immediately. XXXX and XXXX arrived at XXXX XXXX. Simultaneously XXXX told XXXX to find a Regions Branch and she arrived at the XXXX XXXX Regions branch and spoke to XXXX XXXX.
XXXX and XXXX were speaking with each other on speaker phone in front of XXXX and XXXX. XXXX and XXXX both changed the Login and Password to XXXX and XXXX online credentials simultaneously from their Regions Computers at their desk between XXXX and XXXX.
XXXX and XXXX reviewed our accounts and said NO Activity, NO Pending, XXXX even looked for new login credentials, new permissions, new devices and the last time somebody was logged into the account. They both said all safe.
We both left the branches at XXXX XXXX XXXX. Thinking our accounts were SAFE. We both never even logged in to our Regions accounts with our new credentials. While XXXX was driving home from XXXX XXXX FL to XXXX XXXX, she received the TXT msg from Regions notifying her that money was leaving our bank accounts. This message came at XXXX XXXX. XXXX and XXXX Both called regions toll free as the local branch was closed. XXXX called to inquire HOW the money could be leaving our account and he was told of the WIRE transfer, something that the account never had the ability to do. XXXX and XXXX both requested that the accounts be locked immediately something never offered to us at the local branch.
At XXXX XX/XX/XXXX XXXX XXXX and XXXX arrived at the Regions Bank to report the FRAUD and figure out what happened.
Apparently for Regions Business accounts users can login in online and click to enable wire transfers out of the REGIONS BANK with only a TXT or Phone verification ( reason for the XXXX forward of our phones ). This is something never explained to us, as we DID NOT want this service and would have liked for an authorized signor to produce identification at the branch before such change was made to the account.
So Regions waited 48 hours to get the Regions Wire transaction data that is still missing the TIME of the wire. We still do NOT have the wire TIMES. We feel that is very important. As we think we could have notified the receiving Bank sooner increasing our chances of recovery.
Regions states that they have no financial responsibility. I feel that they do have financial responsibility for several reasons.
Our complaint : 1 ) Regions Bank allowed three wires to leave our accounts electronically. This is a service that was NOT available on our accounts. I know because I have called in the past and was told that wires need to be originated at the branch. The hacker used a back door in the regions electronic banking site to gain wire transfer access. This and the regions suspicious activity monitor should have realized 1 ) backdoor wire access from a NEW device, new IP address, login credential changing quickly etc.
2 ) Both XXXX and XXXX rushed to the local Branches immediately when we realized that we were compromised, but first we reset our passwords ourselves. XXXX went to XXXX XXXX XXXX and had XXXX XXXX of Regions reset the user name and password at XXXX XXXX from her system computer in the Regions Branch. We were told that there is no activity and our account is safe. XXXX XXXX went to the XXXX XXXX Regions Branch and had XXXX XXXX of Regions reset his user name and password from his Regions bank computer at XXXX XXXX. XXXX and XXXX of Regions looked in all accounts and said NO activity, He was speaking with XXXX on speaker phone. Additionally, he checked logins and said no new devices have logged into these accounts. Then while I was sitting in his office, he saw my phone blowing up with phone and text messages from the hackers and he reassured me that the reason that they are calling is they do NOT have what they need to get into your account. He said when they get in and take your money they will stop calling and texting. At XXXX XXXX the wire went through, after regions representatives changed the user and pw on the regions System. A ) Regions has responsibility because our online accounts were not supposed to be able to wire to outside banks. B ) Regions has responsibility because they had they reset the passwords and user names themselves and allowed a hacker to penetrate their system without any correspondence from the hacker to us. C ) Both Regions representative did NOT notify us that our account WIRE privileges have changed between XXXX and XXXX, and the change was made from a new device logging into the system. We both did NOT leave the branches until XXXX XX/XX/XXXX. D ) Regions notified us of a wire transfer at XXXX when it actually happened XXXX XXXX. their delay caused us to be unable to STOP the wire on the other end and delayed action by 18 hours.
3 ) It took them 48 hours to produce the wire transfer receipts. Withholding this information delayed in providing law enforcement agencies with the proper information. Yet still almost one week later we still do NOT have the Wire Times, SWIFT codes, recipient bank routing numbers 4 ) When you look at the WIRE transfer receipts you will notice that they do NOT show the time of the wire that is conveniently cutoff.
5 ) Im sure the Local Regions bank representatives XXXX, XXXX and XXXX have my best interest. However, I feel REGIONS corporate has withheld and is still withholding information.
Regions Fraud Department XXXX XXXX office XXXX cell says that I will need a Subpoena to get the following information from Regions IP Address used to complete FRAUD Website Address used I would like the time on XX/XX/XXXX that the account permissions were changed to allow wire transfers without physically showing up at local branch to initiate a wire transfer via a regions representative?
What login was used for this wire permissions account change? Profile Name, UN, PW, and IP address and time.
The IP Address that initiated this change?
The time of the Fraudulent Wire transfers? I think that you said XXXX XXXX XXXX XXXX... XXXX EST. Please confirm.
What login was used for wire transfers? Profile Name, UN, PW, and IP address I would like a record of all the login credentials changes for XXXX and XXXX accounts on XX/XX/XXXX to XXXX XXXX to include Account user, UN , PW, NEW UN , NEW PW, date, time, Device, device location, IP address.
XXXXXXXX XXXX PW was changed at approximately XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX on a XXXX laptop to try and protect the account.
XXXX at the XXXX XXXX Regions Branch changed the UN and PW to XXXX 's online credentials at approximately XXXX XXXX XX/XX/XXXX. to protect the account.
XXXX at the XXXX XXXX Regions Branch changed the UN and PW to XXXX online credentials at approximately XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Note : The address on the XXXX XXXX is a condo that XXXX XXXX owns. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX. XXXX has never heard of the name XXXX XXXX.
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| 03/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Due to Regions corporate inability to take care of a dedicated customer such as myself, they have crippled my ability to buy a home for my family. An annual late fee added to a Heloc home set my loan into back pay. A fee they no longer charge customers on heloc loans. I have proven my prompt monthly payments for years, never a day late as it is on autopay, and due to their lack of customer communication they have destroyed my credit. My score was an XXXX when last pulled prior to this incident. Last credit report pulled showed me at an astronomical drop to XXXX, XXXX, and XXXX supplied by the three credit bureaus. Employees at the local port orange bank have stated that there are many problems with my account and online access, and have tried to fight my case to their Regions corporate. They have recently had to reopen my case due to the continued inappropriate care of my account again. I am still not receiving statements, even though I have asked multiple times. They are also not supplying statements on line, nor can the bank pull statements to help me, even with request to the IT department. I have also not received communication via their corporate or customer service call, even though I have requested it multiple times. This all was uncovered when I was surprisingly declined for a home loan. With my 25 % saved up to put down, and not a thought that I had any bad marks on my credit, I was shocked to find out that an account I have religiously paid was the only flaw keeping me from getting my family a new home. The following information will provide intricate details of this issue.
This event started with me applying for a loan for my new home and the loan agent telling me due to the issues with Regions bank I could not be given a loanThat is when the phone calls to Regions bank started on XX/XX/XXXX. The first call I was on the phone for 2 hours. I spoke to the mortgage department where the representative, XXXX, stated all she could do to help is remove the last 2 late fees. Then she transferred me to collections and stated they would be the only ones that could help me remove the rest of the late fees dating back to XX/XX/XXXX. I was then transferred to XXXX in collections. I was told she could not help me get these removed that I had to contact customer service. What she did tell me is that to pay on the {$680.00} of accrued back fees to get my account to date. In looking at my account she told me that the issue started in XX/XX/XXXX, with an applied {$50.00} annual fee. She told me that they were sending me statements, which is not true. I have not received a statement in over a year. I did however call regions with an address change 2 years ago which was not portrayed in the system. When talking to one of the departments about this they told me I had to contact 3 departments to have all addresses changed in the system. I asked why I was never emailed or called or in any way alerted to the issue. The collections department stated they sent statements and they do not have to send emails or call as a follow up. I was amazed at the lack of customer concern by Regions, especially for a customer that was consistent on their payments for the entirety of this loan. This call took two hours. Later that day, after my work meeting, I called in and spoke to Customer service representative, XXXX, as directed to do. She then told me I had to speak to the mortgage department again, and transferred me to XXXX. She was not able to help me, and became irritated. I asked to speak to her manager which she transferred me to, XXXX XXXX, team leader. He was not able to tell me anything other than what the other collection agents said, and then became very short tempered and started speaking slang after I asked to speak to his manager to help me rectify this detrimental problem. It was then that he told me I didnt even deserve to have my two late fees removed earlier by his employee XXXX, and that she would be spoken to about it. When I again asked to speak to his superior, he said she wasnt at her desk and asked me if I would like to hold. I held for 20 minutes. He came back to the line and said she still wasnt at her desk, and asked if I wanted to hold again, which I agreed to and was placed on hold for another 25 minutes. When he came back to the line I asked for her name and number because I had to board the plane. This call took almost 3 hours. After getting no help from the phone mortgage team, I decided to go into Regions first thing the following morning on XX/XX/XXXX. The Regions team at XXXX XXXX was very apologetic for the way the Regions team treated me on the phone, and understanding of my spent hours with them and concern that this issue was being dismissed without any help to rectify my credit score and account standing. Making it impossible for me to be approved for a loan for my new home. It was then that I supplied all my statements showing dedicated, always before due date, payments consistently made and proven via on line transactions through XXXX XXXX XXXX since XX/XX/XXXX. Also with proof that I had plenty of funds to pay my loan as well as a down payment for 20 % of the loan I was applying for. I expressed my interest in applying for a loan through Regions for the condo I am trying to purchase for my family home. XXXX XXXX then dug into my case and tried to help me rectify this issue. It was also discovered that my two late fees that were granted credit previously by XXXX were removed after the phone call with XXXX. The mere fact that I have not been contacted other than their said possible attempts by mail does not constitute as Regions said relationship banking for a dedicated client like myself to Regions since XXXX. It was discovered during my visits to Regions that this all occurred due to a {$50.00} annual fee, and that this fee is no longer accessed to loyal customers such as myself for Heloc loans. I went back to the bank on XX/XX/XXXX and was told to pay and get my account back to good standings so corporate would see I had every intention on being a good customer. I paid the XXXX for all late fees and accrued money on the account. I also opened a savings account. I then waited for them to further contact the corporate headquarters. I asked during my visit to make sure my address was correct in the system as I wanted paper statements sent to me. I was assured it was. I have yet to receive a paper statement. I called weekly as well as emailing with no answer back from their corporate. I visited the bank again in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with no answer back on my account. I then forwarded the situation to XXXX XXXX XXXX, Regions Vice president and Consumer banking manager, on XX/XX/XXXX. She did not reply. I was told in XX/XX/XXXX that my situation did not look promising, but still I received no definitive answer and continued to call with no prevail. On XX/XX/XXXX I received a call from the XXXX XXXX agent. I called back, and they said my account was paid and nothing was wrong. I then received another call on XX/XX/XXXX from the collections department. I spoke to XXXX and she said she didnt know why my number was on the collections list, and that my account isnt overdue. She also noted the payment isnt even due until XX/XX/XXXX, so this made no sense that I was contacted. She also said they had a new dialing system and that it was calling wrong numbers, and mine must be one of the wrong numbers it was dialing. Not trusting Regions bank, I went on my online account, since I still had not received a statement to look at. Online I could not access my statement only my account history, and saw that they put a late fee on my account in XXXX and it increased my payment over the amount I was having deducted monthly from my bank account. The amount I pay is over what was due to add protection and pay my loan off quicker. I was not able to obtain a statement online, so I called XXXX to find out what was going on with my account. She put a ticket in to obtain my statements on XX/XX/XXXX since she could not get them online as well. She still has not received them, and she works for the bank. I went back into the XXXX XXXX branch on XX/XX/XXXX, and sat until I could speak to the XXXX supervisor, XXXX XXXX. He was not able to see what was happening in my account either. I asked him about finding an answer to the initial problem that jeopardized my credit as well as this new issue. I then sent XXXX XXXX XXXX, Regions Vice president and Consumer banking manager an email. I have yet to receive a response from her throughout this entire process, even though I have requested her to contact or meet with me. Since my last visit I have called and emailed twice a week until XXXX was able to bring me in and talk to me on XX/XX/XXXX. He told me corporate said the bank was not at fault and could do nothing to help redeem my credit. He noted my account was past due {$260.00}, which I can not see online and do not receive statements to be able to obtain this information. It is also not showing in Regions system according to the collections team. XXXX was also not able to pull a statement and had to again request it from Regions IT. He verified that they had the right address for me, but that they were not sending me statements, even though my account had been changed to do so multiple times. He also noted that my Heloc loan was not showing on my home page to receive statements or email notifications, even though it had been changed in his system. My account is now in back payment again, and I can not get an answer from Regions Corporate as to why it is. If employees from the institution cant get my statements, how am I supposed to be able to stay on top of this account? It was at this meeting with XXXX that I was finally offered the ability to make variable payments to prevent this from happening in the future. However, if I was receiving statements or notifications, these problems would have never happened. I am signing up for this variable payment to protect myself from Regions. However, this does not correct the damage they have done and continue to do to my account and credit.
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| 10/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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I am petitioning for my fianc to be granted a fianc XXXX Visa. This requires me to submit USCIS form I-134 ( Affidavit of Support ) along with several required documents. The instructions to file form I-134 ( attached ) clearly states that I should submit multiple specific supporting documents with the form ( Page 5 ).
One of those documents is a letter from my bank detailing : 1. The date my account was opened.
2. The total amount of deposits for the last year.
3. my current balance.
Regions bank has been difficult the whole process which I will detail below but the end result was that I was charged for a letter that did not include all of the information required by the XXXX XXXX Department.
When I asked for the letter to be amended to include the total amount of deposits for the year regions bank refused my request because it would be to time consuming. I explained that the letter is needed to prove I make enough money to financially support my fianc and that the total amount deposited was the most important part of the letter because in conjunction with my tax return it shows how much money I make and have access to each year.
The manager ( XXXX ) over the contact and support department refused to amend the letter. I asked for a letter or statement from her saying that she would not provide the information I need so that I could submit it with the other letter and hope that whoever interviews my fianc would not punish me for not including the information they require.
I asked for the {$30.00} fee for the immigration letter to be refunded as I never was provided with the letter that I need. I also mentioned all the hoops I had jumped through to get the half completed letter in the 1st place. It was denied although she did suggest I go to a branch and ask them. Also i asked for her manager and was not given that information.
I work in a field that involves investigations and I know from experience that when I request information and I am given all the information I want except for 1 specific thing then it is a red flag and typically means that they are hiding something they don't want me to see. If the consular officer is as suspicious, jaded, and paranoid as I am then he or she would demand to see an amended letter from the bank that includes all required information.
Reliable statistics are hard to find but its my understanding that its common for the consular office to request more information if they don't get everything they want the first time. This would be devastating for both my fianc and myself.
Not only are we both miserable after being apart for multiple years, but if her entry into the country was delayed it would disrupt our marriage plans and even cost us well over {$3000.00} in tax benefits. With so much on the line I am doing everything in my power to ensure that I can be with my fianc for XXXX.
In addition to being outright denied the letter that I must submit along with my I-134 I would like to make a complaint about the process for filing the letter. They don't have time to do anything but a base form letter but they charge {$30.00}.
1. On XX/XX/XXXX I went to the branch on XXXX XXXX in XXXX, Alabama. I asked about how I should request a letter for immigration purposes. XXXX XXXX, seemed to be helpful and explained that the do not do the letters and I would have to reach out to the third party that handles it verification.com. The problem is that website has a domain that is up for sell.
2. Ok, things happen and policies change. She just didn't know. I contacted the main office by phone and was connected with a woman. She seemed confused at first, but she explained it would be a {$30.00} fee and that it would be mailed right out to me. I made a point to be clear that I needed all 3 things form the I-134 instructions but she blew me off as they do those all the time and they know it.
3. The lady on the phone whose name I didn't get told me it would be 5-7 days before I got the letter through the mail. I waited 2 weeks ( I think ) before I reached out to regions again. Their online chat option is suppose to be faster so I used it this time. She looked up my account and told me my request had been denied.
The fact that it was denied didn't bother me. I understand that their are legal requirements and that a written letter requesting that they release my info while annoying could be the responsible thing to do. That was fine if there had been information on the website or anyone had told me I needed to write a letter I would have done it at the start.
What annoys me is I received no letter or any other communication saying they weren't going to send me the letter. Had I not started the letter when I did I could have run into major issues timewise.
4. I decided it would probably be easier to go to a branch so I went to the one in XXXX XXXX, Alabama. There the gentleman seemed to genuinely want to help, but he had never heard of anything like I was asking. No one in any of the 2 branches I visited had any idea on how to request a letter. He printed out all my statements for the year and said this is all I know to do.
I considered using what he had given me, but I was afraid that because it wasn't what the Instructions for form I-134 says to submit that I may anger the consular officer by making him sort through a mountain of paperwork and do the calculations himself.
5. I followed the procedures I was given through their chat function on their app to the T and faxed a letter ( dated XX/XX/XXXX ) requesting that the make and send me the letter I need. Please see my attached letter.
XXXX. A week later ( XX/XX/XXXX ) I received a letter saying it had been rejected again because my signature did not match the one they had on file. I called the number on the letter and finally got in touch with someone who works in that specific department.
She was a sweet lady and she calmed me down because by this time between the upcoming deadline of my fianc 's interview I was both furious and on the verge of having a XXXX XXXX. She did originally say my signature looks the same to her and she didn't know why it was rejected before switching and saying they are different.
I don't know if the first time my signature was captured on a digital sign thing or what, but when I went to the branch in XXXX XXXX it looked slightly different. I give them that. Why it wasn't an issue when I took out a mortgage with them I don't know. They gave me no trouble when I was taking out a mortgage. Admittedly my signature can vary sometimes and correcting the issue wouldn't have been a huge deal if not for all the other problems.
7. Anyway the lady at the branch didn't really know how to help me and at one time we had 3 different people trying to figure out how to fix the problem. I don't have a problem with the people at the branch as they were nice and great, they just had never heard of my situation. I recommend more training as the people in the main office didn't even know that the people in the branch can't see all the things the people in the main office can.
The manager thought about writing a letter but scared when he read the instructions. he told me i had to go through the main office.
One of the bankers at the branch checked my ID and sent the main office a letter saying it was really me and that she didn't know how to update my signature but here it is.
XXXX. XX/XX/XXXX I received a XXXX notice rejecting my request that was identical to the XXXX letter.
XXXX. I called the number on the letter again and the lady who picked up the phone after being on hold for about an hour. She looked at my file and said she would write the letter.
I don't know at this point if they are just messing with me or they just wanted me to call and verify my identity or something. I have no idea why I got a second rejection letter because she agreed to do it without any new info.
XXXX. The very helpful lady said that if I giver her an hour I could go have the local branch print it out. They don't do emails but since I was saying I needed it today she said I could do that.
I went to the XXXX XXXX branch XXXX hours later and they didn't know how to pull it up and print it out. the banker at the branch called the same number i did and i watched and absolutely hilarious situation go down where the guy at the main office was trying to verify her and their verification process means calling her on the same phone she is using. Of course it ended up with them getting disconnected when she put him on hold.
We waited on hold for maybe 15 minutes and finally got someone on the phone. they spent probably 10 minutes doing the same verification dance. I suggest they use email, or teams or something because the phone call thing is a train wreck. Not the lady at the branch 's fault.
11. He finally walks her through printing my letter out and i get to my car and decide to read it where I find out the didn't include the total deposits for the year which is the main thing needed to show that I have steady money coming in.
12. I originally went back in the branch, but she had a line of people she was helping and she basically said she had done all she can for me and i should call the main branch back.
13. I have already talked some about my conversation today. The lady originally told me I have to ask specifically for the total deposits to be included. When I told her I did and I included it in my letter she back tracked and said they don't do that.
The I have detailed my conversation with the manager. I will try and add that she tried to bluff me and tell me that they had researched it and that was the only info I needed. She took back water when i explained to her where exactly to go to find the info that she had spent so much time looking for.
I don't know no that any of the individual people I have dealt with are bad at their job, but as a whole the level of incompetency is pathetic.
What should have been a 5 to 15 minute process to a web portal as taken a whole month and probably at least 10 hours, and I still never got the letter I need.
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| 05/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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A brief summary is provided here with details to follow below.
- After Regions yearly analysis, my escrow account was noted to be short approximately $ XXXX, which caused a $ XXXX increase in my mortgage payment for the year. I did not receive notification of this until I was called in XX/XX/XXXX.
- When I spoke to a representative in XXXX and told them that I would have trouble making that payment, she told me that I was eligible for a hardship package.
- This same representative said that during the hardship process I should not make any payment, and that there would not be any reporting to the credit agencies during this process.
- Regions reported a delinquency on my credit.
- On several occasions, I had to call Regions for follow up due to their poor communication with me during this awful time. There were several promises to call me back that were not kept.
- After many reviews, it was determined that Regions incorrectly calculated the escrow account, and my shortage was eventually decreased to a more manageable payment.
- I requested that the delinquency be removed considering Regions mistake AND the misinformation I received from their representative.
- Regions did not remove the delinquency, and there is no indication that they reviewed the call. The delinquency on my credit report is causing significant damage to my livelihood and quality of life.
Detailed Account : On XX/XX/XXXX, a representative from Regions Bank called to inform me that my mortgage had not been paid for the month of XX/XX/XXXX. This was surprising to me as I have set up automatic monthly payments. I advised that I would pay the payment over the phone. At that time, I was told that it would be approximately $ XXXX more than I was previously paying due to changes in escrow. I advised that it was difficult to make that payment as I had not been informed of the increase, and because the increase was astronomical.
At that point, I was transferred to XXXX XXXX in the loan servicing department. She advised that I may be eligible for a hardship. She asked a series of questions, and said that I was eligible. I informed her that I did not know anything about this process and asked some questions, specifically about what to do regarding my payment while going through the hardship process. She told me that it was a long process, and that I would receive a packet in the mail with instructions on next steps. I asked several times whether I needed to make a payment in the meantime. She instructed that I should NOT make a payment and that NO CREDIT REPORTING for late payments would happen until the hardship process was completed. When asked, she clarified that the hardship process started as soon as she sent the hardship packet out ( the same day of this call ), and that the only thing I needed to do at this point was wait for the packet to complete. The estimated ship time was 7-10 business days. She also noted that there were due dates I would need to pay attention to in the packet. She also offered to send the new escrow statement. We ended this call.
On XX/XX/XXXX, I received another call from Regions Bank about my XXXX payment. I spoke with XXXX XXXX in loan servicing. At that time, I informed him that I had not yet received the hardship packet, and he said that he saw that one had been sent to me. He said that he would send another to make sure I got one.
On XX/XX/XXXX, I received notification that Regions Bank had reported a delinquency to the credit bureaus. I still had not received the hardship packet.
On XX/XX/XXXX, I received the hardship packet and started discussing it with my attorney and financial advisor. I also sent them my closing paperwork and escrow statements so that they could review and determine why there was such a drastic change in payment amount.
On XX/XX/XXXX, I called Regions Bank to pay my XXXX and XXXX payments, as well as pay off my shortage balance. I paid the XXXX and XXXX payments over the phone, then asked to speak with someone about the shortage amount. I was transferred to customer service, and I spoke with an agent named XXXX extensively about my loan. During that call, she was confused about the shortage balance that I needed to pay. When I pointed out that the numbers were not matching, she then noted various reasons for the confusion. She said that the bank had paid an increased amount to my homeowners insurance, and that I was being charged for the increase. When I inquired about why they overpaid the insurance company, she was not sure and said that she would send to the insurance department to review. She also noted that Regions estimated MUD taxes in my escrow balance, but had not yet paid those taxes. She said that she would send this to the tax department for review since her research showed that I probably should not be paying MUD taxes. I also requested that the phone call on XX/XX/XXXX with XXXX be reviewed and requested that the bank remedy my credit report since I was given incorrect information about credit reporting in that call. She said that she would call me back by the end of the week to give updates. I did not pay the shortage amount at that time due to the inconsistencies.
On XX/XX/XXXX, I called Regions Bank to follow up on the prior call ( XX/XX/XXXX ) since XXXX had not called me back. I was transferred to customer service and spoke with XXXX XXXX since XXXX was not available at the time. XXXX reviewed the notes on my account and found the following : - A dispute had been initiated in their credit department regarding the delinquency reporting to the credit agencies. Nothing back yet. Takes 30 days. The dispute had been initiated on XX/XX/XXXX. When I asked whether the call had been reviewed, she said that the call had not been reviewed, but it has been noted that I wanted the recording and delinquency reporting reviewed.
- Regarding Insurance : They had spoken to XXXX at my insurance company and the premium had been increased, so they needed to recoup the amount they overpaid.
- Regarding the MUD taxes : She said the task was open but not completed. She then said that she no longer saw the MUD taxes on my escrow statement, and that they were probably removed. I asked for clarity from tax department to be sure, and an updated escrow statement. She offered to transfer me to XXXX who has been working on this issue for more clarity, but then said that she was unavailable. She then said XXXX had a note to call me back by the XXXX. I told her there was supposed to be a call back by today. Stressed to her that I wanted to get this resolved before my next payment was due by XX/XX/XXXX. She said that, per notes : MUD taxes removed. XXXX will contact me. They are working on an updated escrow. XXXX will send an email to XXXX asking her to call me this week.
On XX/XX/XXXX, I received an automated notification via email of new documents ready to review in my Regions account. I had received a new escrow statement showing a new, lower, monthly payment amount after the new analysis showed that I was, in fact, being assessed incorrectly to need money in my escrow account for MUD taxes.
On XX/XX/XXXX, I called Regions Bank again since I still had not received any call back from them regarding this issue. At that time, the representative attempted to transfer me to XXXX, but she was not available. I spoke with XXXX in customer service instead. She said credit report is still being reviewed. No updates were available since the credit team needed to do an in depth review. She said the last update in the notes was on the XXXX, and that someone was working on it, but the notes did not give any specific information. I asked to be transferred to speak to someone in that department, and she said there was no one is available to speak with me because that department did not have phone lines. She then said that I would get a letter in mail with results. At this time, I paid the shortage on the corrected escrow statement. These numbers were consistent with the numbers outlined by my financial advisor. XXXX took the payment and said that she would send a new billing statement showing the updated payment amount without the shortage on it.
On XX/XX/XXXX, I received a letter in the mail from Regions Bank dated XX/XX/XXXX indicating that they would not remove the delinquency reporting because the payment was late. There was no indicating that they reviewed the recording of the call on XX/XX/XXXX in which a Regions loan officer, XXXX, told me NOT to make the payment since a hardship packet had been started.
I am writing this complaint to request that you have Regions review my file again. Until their analysis mistake, my account has never been late. I have made all of my payments on time. Had it not been for the misinformation received from a Regions representative, I would have made the XXXX payment to avoid a late payment. Prior to this, I have not had any late payment issues on my credit, which allowed me to qualify for this loan. In fact, I have made XXXX, XXXX, and XXXX payments, and even paid off the shortage to get my escrow account to the required amount. Due to this entire mishap, and Regions unwillingness to fix their mistake, my credit score has dropped significantly, and it is affecting many things that I am needing to do. It has also caused a significant amount of stress and anguish.
It is completely unacceptable to be in this position due to their mistake. I am requesting that this be reviewed not just for me, but for other clients who may be experiencing the same issue due to their incorrect escrow analysis.
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| 07/28/2020 |
Yes |
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- Trouble during payment process
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Web |
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In XXXX I had a leak in my home that the insurance company tied to hail damage to my roof. I was sent part of the check direct deposit and the other half was sent to me by mail and was made out to me and Regions since the claim was over $ XXXX. Regions needed to sign off on this claim and make sure sufficient repairs were done to release the funds. I started by going to my local branch around the beginning of XX/XX/XXXX with my insurance check to see what I needed to do to get it cashed and the funds released to repair my home. I was told I need the contractors w-9, license, proof of insurance, and a notarized lien release stating that the contractor would not put a lien on my home once payment was received. I provided all of these items at my local branch who then contacted mortgage and the claims department to see how to get everything submitted. All the documents were submitted to the claims department and nothing else was said for at least 2 weeks. I then had to follow up with them mid-XXXX to find out why I had not heard any update about releasing the funds of my check. At this point in time, I had already paid my contractor in full, from my own savings account. The claims department told us on XX/XX/XXXX, well after this process started and also never told the assistant manager from the branch I was working with, that the check was not going to be endorsed at the branch but needed to be mailed to the claims department. The lack of communication from the claims department to me and the branch was highly unprofessional. I finally receive a check in the mail in XXXX and it is made out to me and the roofer who has now been paid in full for 2 months. The branch employee I was working with then reached back out to claims to see what was needed to get the check made out directly to me. We were told that they only need a signed letter saying my contractor was paid in full with my name, address, loan number, contractor name and the amount. As I am in the 21st century, I do everything electronically and do not have access to a printer, so I sent them a letter that I typed up on the computer and signed on my touch screen using XXXX XXXX. The branch associate and myself both sent this from 2 different email addresses to the claims department and Regions mortgage. After 2 weeks, I still had not received a new check made out to me. We called Regions back and they magically didnt get either email sent from myself or the branch employee sent on XX/XX/XXXX. I can understand maybe not receiving one email, but not receiving an email from both of us sent from different email addresses is a bit baffling. The branch associate and I resend 2 more emails to Regions mortgage and the claims department with the same signed letter as before. This time several more weeks go by and on XX/XX/XXXX, my local branch receives an email from the claims department and they have informed me that they can not accept the letters I have sent because I signed them on a computer and they require a wet ink signature. The difference between my signature with a pen or on a touch screen, with a company that does all account opening with e-signatures, is beyond me. We then XXXX a typed and physically signed letter with the same information as the last FOUR letters we have now sent. The check I have is cancelled and around the first week of XXXX, they issue me a new check which I received a few days later, made out again to me and my roofer, who has still been paid in full and now done with the job for 2.5 months. I call Regions back again to tell them that the check is incorrect, and I also schedule my final inspection to get the last bit of the funds they were holding. They tell me they will cancel that check and get it adjusted. From there I should hear from the company doing the inspection within a week to schedule my final walk-through. The company they used did not reach out to me within a week and I then had to follow-up and keep track of, not only this check, but also scheduling my final inspection. It took 2 weeks for me to get my inspection scheduled. Around the middle of XXXX, I still do not have a new check issued to me in my name only, but now Regions has the information from my final walk through that my repairs are 100 % complete and the funds can be released in full. Believe it or not, someone actually reaches out to me from Regions claims department ( XXXX ) to tell me that AGAIN my FIFTH letter is not sufficient to get the funds released to me because in my letter I had said I would appreciate them expediting the process due to the delays and because I was getting other work completed on my home ( not related to the claim in any way, this was a patio/pool project ) and needed the funds to do so. I was told this letter was not sufficient because it sounded like I had not paid all of my contractors related to the claim in full. I then send a SIXTH letter to regions that everyone is paid in full. Regions sends 10 % of the claim to me in a check made out to only me, however, I am still missing 90 % of the funds at this point in time. I had spoken to both XXXX and another associate 2 weeks prior to speaking with XXXX, who had both informed me that they were issuing a new check to me in my name only. This never occurred. The first associate never actually followed up with anything after taking my call, and the second associate, XXXX, thought I was referring to the last bit of funds, which was the check for 10 %, so she of course did not realize that I was still missing the bulk of my funds. On XX/XX/XXXX I still do not have a check made out to me in my name only and call Regions Mortgage again and I am now irate at this situation, how long it has taken to resolve, and the lack of follow-up from anyone in the claims or mortgage department. It seems like everyone is really quick to pass the buck off to someone else or just ignore you and hope someone else in the company is taking care of the issue. On this phone call on XX/XX/XXXX, I am told that a check was never reissued to me in my name only and I asked to speak to a manager or supervisor. I am then transferred to XXXX XXXX. XXXX does assist and gets in touch with the claims supervisor to expedite the process. She then tells me we need ANOTHER LETTER ( the SEVENTH LETTER ) from my contractor saying he is paid in full, the property address, and amount. I am not sure how, after months of back and forth, no one else that I spoke to could tell me that we also needed something from the contractor. It seems that their own department doesnt even know how to get checks released and can not be bothered to ask a manager for assistance if they dont know the answer. I reach out to my contractor that evening and ask him for a signed letter. He emails me back and sends me a paid in full invoice. I also have some of my accounts with Regions, so the transaction in question to pay my contractor is on my Regions credit card and can be seen on my XXXX statement. I email XXXX XXXX back on XX/XX/XXXX and provide the paid in full invoice from my contractor, the receipts from the 2 payments I made to my contractor, and my Regions credit card statement all showing this contractor was paid in full for the exact amount listed on the invoice. On XX/XX/XXXX, XXXX calls me and leaves me a voicemail telling me that she thinks we have enough to issue the funds directly to me, but she is still waiting to hear back from claims to make sure everything is good to go. In her voicemail she says it will be 3-5 business days to cancel the check and get a new one reissued. She says she will XXXX this to me with 2-day shipping and will email the tracking number to me. On XX/XX/XXXX, I still have not heard back from Regions or XXXX and I follow-up with her via email to ask for the status and if everything is good to go. My email goes unanswered. I call back on XX/XX/XXXX, and while I do not speak to XXXX directly, the employee I spoke to instant messaged XXXX and XXXX told her to tell me that they had sufficient information to release the check directly to me. I call back on XX/XX/XXXX or XXXX, as I still have not received these funds and I was told it would be 3-5 business days from XX/XX/XXXX. The associate I spoke to let me know the check was mailed on XX/XX/XXXX. I never received a XXXX tracking number as promised but nonetheless, assume the check was sent via regular mail. Today, XX/XX/XXXX, I call Regions again, as I have no check and a week has gone by since it was supposedly mailed to me. XXXX does not speak to me directly but assists the associate that is handling my question and lets me know the check is still not issued but will be in the next day or two. I cant help but wonder why I was told last week that the funds were mailed to me, but I am now being told today that the funds still have not been released. I was told the funds would be released 3-5 business days after XXXX voicemail on XX/XX/XXXX. It has been 19 days since that call, well over 3-5 business days, and I still do not have my insurance claims funds for repairs that have been completed for almost 2 months now, in full and the roof repairs that were completed and paid for in XXXX, 4.5 months ago. I was told today the funds would be released today or tomorrow, but I have been told this many times in the past and do not believe it is true. But they were sorry it was taking so long to correct months of their own mistakes and lack of follow-up.
|
| 06/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I am filing this complaint regarding my dispute of an erroneous and unauthorized charge to my Regions personal checking account in the amount of {$250.00} by XXXX XXXX XXXX, a company of which I am not a Customer and have cancelled services with, which went through without my authorization or approval and deducted {$250.00} from my Regions checking account on XXXX XXXX XXXX Despite multiple claims filed with regions bank disputing this charge as erroneous, as well as providing ample written documentation and also verbal explanation to Regions, the bank has failed to honor my dispute of the charge, has denied my claims, and has refused to refund my account the above amount.
( To preface : I was a customer of XXXX XXXX XXXX, but originally cancelled services with them on XXXX XXXX XXXX. After months of back-and-forth with this company and multiple failed promises by the company to reimburse me for charges that I paid for out of pocket which should have been covered under my home warranty, I again called and canceled services with them after still never been sent a promised reimbursement. In fact, on my last call with this company, they told me that I would have to have a credit card on file before even receiving a reimbursement, which I told them on the phone made no sense because I initially only wanted to cancel because I was having to pay for repair expenses out of my own pocket which shouldve been covered by the warranty that I was paying every month for in the amount of {$55.00}. After giving up on expecting any kind of a reimbursement by the home warranty, I decided to consider it a wash and I let it go. That was until, I begin receiving emails from this company, stating that my account was past due, despite me canceling the account with them on the phone, as it was the only way to do so. ) ***The only reason I provide this information as a preface is due to the fact that on my first phone call to regions bank, the banker I spoke with argued that because I had been a customer of XXXX XXXX XXXX this somehow warranted the business XXXX to continue to charge my Visa check card every month! This is obviously absolutely untrue, because even though the company still had my card number on file does not mean that they had my authorization to charge it after I had cancelled services with them! *** On XX/XX/XXXX the first unauthorized charge in an amount of {$53.00} by XXXX XXXX XXXX hit my regions account, which I went online to dispute, and which Regions approved and credited back to my bank account.
On XXXX XXXX XXXX I received a text saying a charge in the amount of {$250.00} was attempted by XXXX XXXX XXXX but was blocked ( this was due to my being wary of XXXX, and was based on my recent interactions with the company : theyre failure to cover warrantied repairs, the excessive checks I had written to for multiple vendor service visits for simple repair claims, and all of this after the repairs were either never made, or I had to pay for them myself out of pocketfor these reasons and more I was forced to resort to using the Regions lock it online checkcard controls to block all incoming charges, lest I deal with the incredible inconvenience of having to cancel my check card, and request a new XXXX - and then have to deal with changing all my other recurring subscriptions and automatic bill pays with other accounts ; something I didnt have time to do and didnt think was necessary ).
so, After getting the above text, i tried to be proactive and contacted Regions bank ( using the mobile chat function on the app ) asking them to ensure all charges attempted by this vendor be blocked, as they were not authorized ; I explained was no longer a customer, of XXXX, but as single mom had not had time to close my check card due to ONE vendor fraudulently charging me ( and honestly, didnt think I should have to because I believed my bank would protect me ).
Regions online response was recurring transactions are not blocked by XXXX which was not what I was asking for ; what I was asking for was Personal attention to the matter of attempted unauthorized charges that I was afraid would persist. The response I received was very unhelpful and completely void of understanding and not even an attempt at comprehension of the problem I explained it was NOT a recurring transaction - Clearly this company was attempting to charge me a much larger amount ( {$250.00} ) for a service they no longer provided me, yet the bankers at regions didnt seem to care or were unwilling to provide a solution. The response was simply after careful investigation ( whatever that means - I still to this day do not know what entailed ) we have decided not to credit your account.
( But - then later regions credited my account the recurring monthly charge of {$53.00}???? which they earlier said they would not/ could not block? ) Then, on XXXX XXXX XXXX I received a text saying that a charge in the amount of {$250.00} by XXXX XXXX XXXX was approved.
I again immediately went online to dispute the unauthorized charge, which, in my opinion should never have been allowed to go through since I have notified the bank that this company was attempting to charge my card without my authorization. 7 - 10 days later I received a letter from Regions Bank stating that they were allowing the charge to go through and would not refund it and were denying my claim.
On XX/XX/XXXX I contacted regions bank ( again, using the chat function on the Regions mobile banking app ) and spoke with a banker via chat for sometime asking why the charge was denied, especially in light of the fact that the earlier unauthorized charge from XX/XX/XXXX had been approved by regions. I was told that the department would 1 ) not except calls regarding denials of claims, and 2 ) that I should call the claims department and have them add this second charge to the original claim/dispute that I filed for the {$53.00} charge which was approved. Very confusing, to be told that they would not take calls for denials of claims, yet at the same time to be told to call during business hours because the banker /department I was chatting with could not address my issue. So I was told to call to have them add the two claims to each other, yet also told a call would provide me no further information? This, honestly, did not make any sense to me, as it does not make any sense why the initial charge that I filed a claim for was approved, yet the second charge, which I provided documentation for when asked, I was denied multiple times.
I have called Regions and provided verbal explanations as to why these charges were not authorized by me due to the fact that I am no longer a customer of this company, as well as provided ample written documentation to regions ( both emailed and mailed ) letting them know that this company XXXX I no longer do business with, and that they had no authorization to charge my card.
In addition to the above, prior to these charges, going through on my account, I actually proactively contacted a regions bank, letting them know of the issue. I was dealing with with this company, in an attempt to hopefully get their assistance with blocking any future charges on my account. My proactive attempts, failed, And my claim was denied, despite re-opening it, and calling several times, and speaking with multiple bankers, the last call of which I told him that I would not be depositing any more money into the account until the charge was refunded to my account, and that all associated overdraft fees also be refunded to my account.
I am disgusted and appalled at the level of customer service that I have been provided by this bank. Ive been a customer for over 10 years, and as an independent contractor who does not receive direct deposit as payment, I have paid them a checking account fee of {$8.00} every month for the last 10 years, and this is the first time that I have ever had an issue with fraudulent charges and the first time I have ever had to file a claim, or dispute a charge.
To be treated this way by my BANK is appalling to me ( Especially after having spent hours on hold on the phone just to cancel services with XXXX - then being told Id be reimbursed for out of pocket expenses, and ultimately never receiving the promised reimbursement of near {$1000.00} by XXXX, but I digress ) to have my bank allow XXXX to charge my account {$250.00}, and then deny my multiple claims that was an unauthorized charge ( especially after approving my other identical claim charged by the same company, and for the same reasons! ) is completely unacceptable to me as a customer of over ten years, and a paying banking consumer.
Last, but not least, the bankers that Ive spoken with on the phone at regions have been rude, and incredibly unhelpful. On my last phone call to regions, when I again attempted to gain more insight as to the denied claim, but got no information except that it was denied, I let the banker know of my dissatisfaction as a customer, and stated that I would be filing an online complaint to the CFPB, as well as that I would no longer be depositing money into the account until the original disputed charge was reversed and credited to my account ( as well as any related overdraft fees which were incurred afterwards ) and again, the response by the female banker was incredibly unhelpful, unsupportive, and unappreciative of my business.
|
| 04/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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My complaint concerns Regions Bank and their inability to provide consumer protection of my account. Below is an adapted version of my affidavit I sent to them concerning fraudulent charges on my bank account. The charges span a period of 31 months. They were only willing to assist me in recovering the last 60 days worth of charges. I understand there is a time limit to these things but I do not understand why the time limit protects the perpetrators and not the victims. If I had known who was charging me and for what purpose I would have stopped the transactions earlier but hence there is the rub ... it is fraud and made to look as though the transactions are legitimate when in fact they are not. I expected a large institution like Regions, or any other federally insured bank for that matter, would have better consumer protection laws. I can only imagine what could have happened if I was an XXXX year old grandmother unable monitor my account with such a demanded accuracy. I'm sure many lives have been ruined by the lack of banking 's ability to protect consumers from such fraud as I have recently experienced.
My adapted affidavit : I am writing to provide supporting information to assist you in your investigation concerning disputed transactions on my Regions Bank Account XXXX. At the end of this letter you find a complete list of all the transaction I would like to be addressed. In XX/XX/XXXX I signed my children up for karate lessons at a local karate gym. At the time of registration I wrote a check from this account to cover what I was told was the cost of uniforms and the cost of lessons for the first month. This bank account is not one that I use for daily transactions but rather keep money in it to cover my and my husbands student loan costs and a few other expenses. I do not use this account on a daily basis or for household expenses but rather had extra money in the account that month and wanted to use it to cover the cost of uniforms and the first month of lessons.
The karate establishment I signed up with is called XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, LA. These ACH transactions are not from the establishment I signed up with but rather a secondary institution, XXXX XXXX XXXX ( XXXX ) aka XXXX XXXX aka XXXX XXXX. I was not fully made aware that XXXX would be debiting my account for the karate lesson costs but rather was under the impression I would be paying XXXX XXXX XXXX XXXX directly. When signing up with the establishments representative I was not told that my check information would be converted to an ACH draft immediately that day and on a monthly automatic renewing basis.
I would have expected to be required to give them a voided check and fully informed of who was debiting my account, how often, on what day each month, and in what amount. These things were not fully discussed with my by the institutions representative. These ACH transactions look so similar to a student loan payment that my husband or I often mistook them as a student loan payment and as this account is not intended for everyday use there are many months I never even review this account. Secondly, I had also recently started a college fund for my children and at times thought these transactions could have been authorized by my financial investor as they state " XXXX XXXX '' in the memo line.
The check I gave them I was told was for the cost of the first months tuition for XXXX children and the cost of their uniforms. I fully expected to be required to pay their lessons via a paper check on a monthly basis for the agreed upon lesson period of 6 months only. Again I did not give them a voided check to be used for ACH debit, not told what day during the month the debits would come out, mislead to think I was paying for uniforms and the first month of lessons when actually my check was used to set up automatic withdrawals to pay for tuition without my fully informed consent, and not informed I was apparently signing up for a billing contract with a secondary institution, XXXX.
Upon scrutinizing these charges on my account this month I finally discovered who was actually billing my account. As I stated before these transactions say nothing about karate nor do they appear to be linked to the original institution I signed up for services with. Once I was able to contact XXXX I was informed I was paying tuition for karate lessons for XXXX children which is another billing discrepancy because I signed XXXX children up for lessons not XXXX. I was also informed they were not able to give me my money back rather Id have to contact XXXX XXXX XXXX and XXXX. Therefore I did contact the owner of this establishment. He said these billing errors were not his problem and he would not return any money even though my children only visited his establishment a handful of times in XXXX of XX/XX/XXXX. Rather that it was up to XXXX to do any refunds and that I had fully agreed to let XXXX bill me and automatically renew billing for an excess of 30 months on my account. He also stated I was actually signed up for a gym health membership and not karate instruction another discrepancy. I was told I was paying for karate lessons not a gym health membership. He did not even offer to remove my check information from XXXX which he gave to them to stop the billing. It was not until I made a public complaint against his institution that he stopped the billing. I have also filed complaints with the XXXX XXXX XXXX and the Federal Trade Commission against his establishment.
He did send me a copy of the billing contract I had signed. It was actually two separate documents. Here again I was failed to be informed my one signature applied to 2 separate billing documents one of which was not disclosed to me. The billing agreement I signed simply states : I understand and agree to the terms of this agreement. I have received my student handbook and I understand that this agreement can only be cancelled with a 30 day written notice after the initial agreement has been filled. I also understand that my membership will self-renew on a month-to-month basis after 6 months and tuition is not refunded if I fail to follow proper protocol for withdrawal. Apparently the terms of the agreement were not what I discussed with the institutions representative but actually written in the back of the student handbook given to my children. In the document found in the student handbook it simply states the XXXX will be billing my account for a period of 6-12 months not the agreed upon 6 months only. An ACH billing date or a billing amount is not discussed or agreed upon in any of these apparent billing agreements. Also, I find it very questionable and unethical business practices to place the terms of a billing agreement in the back of a student handbook for my children ( ages XXXX, XXXX, and XXXX at the time ) to read and not fully disclosed to me, the responsible party, upon me signing up for karate lessons.
I hope you are now able to see why I am disputing these ACH transactions. Here is a short list as to why these ACH transactions are fraudulent : 1. ) I was lead to believe my original check was used to pay for uniforms and the first month of lessons and not informed it would be used to set up ACH billing, 2. ) I was not directly informed of who was billing my account, 3. ) billing dates were not discussed, 4. ) billing amounts were not agreed upon, 5. ) I was lead to believe the billing period was for 6 months not 30 months, 6. ) once I did contact XXXX I was told I was being billed for XXXX students when I signed XXXX students up for lessons ( I signed all XXXX of my children up for lessons not XXXX children. This is erroneous information and not something I agreed to ), 7. ) the owner of the establishment informed me I was paying for a gym health membership when I clearly was informed I was paying for karate lessons not a gym membership, 8. ) The billing agreement I signed was actually a deceptive 2 piece document not disclosed to me upon signing the original billing agreement. The second half of the document was located in the student handbook given to my minor children who have no legal authority to agree to a billing agreement. Please visit the website below to see further complaints concerning XXXX practices. Also, please update all my ACH transaction disputes with the list I have provided below. I truly appreciate all of your help. I am a hardworking mother who has one full-time and two part-time jobs. I would have never agreed to such a ridiculous billing agreement had I been informed properly as I can not afford such an expense. I feel that these billing practices are fraudulent, misleading, and border on identity theft.
COMPLETE LIST OF ALL DISPUTED TRANSACTIONS FOR ACCOUNT NUMBER XXXX Against XXXX XXXX XXXX AKA XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XX/XX/XXXX NA XXXX NA XX/XX/XXXX XX/XX/XXXX NA XXXX NA XX/XX/XXXX XX/XX/XXXX NA XXXX NA XX/XX/XXXX XX/XX/XXXX NA XXXX NA XX/XX/XXXX XX/XX/XXXX NA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX NA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX NA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX NA
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| 03/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Fraud summary : My name is XXXX XXXX, and I am the owner of XXXX XXXX, together with my father XXXX XXXX.
XXXX XXXX has had a business checking and savings account with Regions Bank for several years now.
On XX/XX/XXXX, a fraud was done on both accounts, and this how it happened : At approximately XXXX XXXX in the afternoon, my father receives a call on his cell phone ( XXXX ) from a number with a Regions Bank caller ID XXXX The person on the other end of the line states that he is Regions Bank employee calling to alert my father of a fraud at XXXX, in the amount of {$240.00} that the bank successfully stopped. Additionally, this person knew that my father had a fraud at a XXXX for {$700.00} a few months ago, thus he was calling not only to alert but also to provide a couple of mechanisms that would prevent future frauds.
The first strategy to prevent fraud, as explained by the fraudster, was to send XXXX XXXX a new debit card in the mail. My father, not trusting the person on the phone, asked him to verify the address the card would be sent to, and the fraudster provided the correct home address. In addition to that, my father also asked the fraudster to verify his account balance, which he did right away and furthermore this person provided details of the three most recent transactions in the XXXX business checking account.
The second strategy to prevent fraud, as per the fraudster, was to introduce a code in the Settings of my fathers cell phone. This would provide an additional mechanism for my father whenever there was a transaction done in his account, that would need verification and or approval.
The fraudster proceeded to provide a code that my father introduced in the settings of his phone, but the code did not work. At this point, my father thought he was doing something incorrectly and called his wife so she could help. She tried following the instructions provided over the phone and none of the codes provided were accepted on my fathers cell phone.
After 30 minutes on the phone, the fraudster asks my father for his social security number, which he refuses to give in his entirety, providing only the last four digits, as he does in his medical appointments and the phone call continues for another 10 or 15 more minutes. However, after being on the phone for so long with this person, my father tells the fraudster he needs to attend to an urgent matter and that he will call Regions Bank the next day to get this taken care of. The fraudster advises him not to call Regions Bank and not to answer any phone calls from a specific area code, that we later on found out was the Regions fraud line, because that would interrupt the process of the code being installed on his phone.
At XXXXXXXX XXXX my father calls me to tell me what happened, and that is when I access the Regions Bank mobile app, to check the XXXX XXXX business checking account ( XXXX ). Upon accessing the account I see there is a pending credit in the amount of {$14000.00} coming from another account. ( I only have access to the business checking account thus I couldnt see where this transaction was coming from ) I called my father back and told him that most likely this is fraud, and he confirms there is a debit going out of the XXXX XXXX savings ( XXXX ) into the XXXX business checking ( XXXX ) Before ending the conversation I tell him that I will call the Regions Fraud line as soon as I get home.
At XXXXXXXX XXXX I checked the XXXX XXXX checking account again, through the mobile app, and I see in addition to the pending credit for {$14000.00} a pending debit for {$40000.00}.
It seems that the fraudsters first did an internal transfer for {$14000.00} from the savings account to the business checking account, and then a {$40000.00} wire transfer out of the business checking account.
At this point I called the Regions Bank fraud hotline and reported the fraud. The agent on the phone tells me that he will close the accounts, but we must wait until the next day to see if the transactions are posted. I tell him that there should be a way to stop the transactions because they had not posted yet and most likely the end of day processing had not started, however the agent insists that this is not possible, and instructs us to go to the closest branch the following day, to find out if the transactions were posted. ( We think this was a negligent action on the part of the agent who could have stopped the transactions or at least transfer our call to another Regions Bank employee who could have helped ) XX/XX/XXXX My father and I go to the Regions Bank branch located at XXXX XXXX XXXX XXXX in XXXX FL. We speak to XXXX XXXX, and she proceeds to close the business checking and savings accounts of XXXX XXXX. ( We had understood the accounts had been closed the night prior when the fraud was reported through the Fraud hotline, however XXXX confirms that the accounts were still open ) XXXX tells us that the transaction done out of the XXXX savings account into the XXXX business checking account for an amount of {$14000.00} has been reverted by the system, and that soon we will have those funds back into the XXXX savings account. However, the {$40000.00} wire transfer out of the XXXX business checking account went through, despite us having contacted the Fraud line the day before. We proceed to open a fraud claim ( XXXX ) On the same day, XXXX XXXX goes to the Police Department, located at XXXX XXXX XXXX XXXX to report the fraud. XXXX XXXX takes the case and makes the report ( see attached ) XX/XX/XXXX My father and I go to the same Regions Bank branch as previously mentioned and speak to XXXX XXXX again. New savings and checking accounts are opened for XXXX XXXX and funds are transferred into the new accounts.
XX/XX/XXXX Regions Bank denies our fraud claim with a letter stating that transactions were authorized using agreed upon security procedures.
XX/XX/XXXX, We do not agree with the resolution of the fraud claim and contact Regions Bank to understand the reasons why our claim was denied. We are informed that Regions Bank never received our police report, thus we believe the fraud investigator did not decide in our favor because he didnt have all the necessary elements to make a correct decision. ( XXXX XXXX supposedly had attached the police report when we originally open the first claim, however the fraud investigator never saw it ) XXXX XXXX speaks to Client Services, reopens the fraud claim case and sends them via email ( XXXX ) all the details on the fraud including the police report.
XX/XX/XXXX We received a second letter from Regions Bank denying our fraud claim again, with the same wording as the first one, stating that transactions were authorized using agreed upon security procedures.
XX/XX/XXXX We received a new letter from the Regions Default Solutions team, attempting to collect an outstanding balance of {$14000.00} Our statement : We believe there has been negligence from Regions Bank in preventing this fraud as well as managing the fraud claim process, and these are our reasons : A fraudster was able to impersonate a Regions Bank employee and take advantage of an elderly person, using the following elements : Regions Bank Caller ID Knowing all the personal information of one of Regions Bank customers ( address, account balance, three most recent transaction details ) Knowing and successfully bypassing Regions Bank procedures to perform a wire transfer.
Knowing the area code number of Regions Bank fraud department and instructing victim not to answer calls from said number.
The fraudster successfully bypassed the Regions Bank wire transfer procedures because he was able to perform a wire transfer even though XXXX had never been enrolled to use the Wire Transfers functionality. This means the fraudster was able to enroll XXXX in wire transfer, create a new beneficiary, and perform a wire, all without triggering notifications or alerts to any of the XXXX account owners.
The day the fraud took place, no action was taken by Regions Bank to stop the fraudulent wire transfer, even though their fraud agents were advised prior to the end of day processing of all transactions.
The day after the fraud happened, no action was taken by Regions Bank to contact and alert the receiving bank to prevent funds from leaving the receiving account.
The fraud investigator closed our fraud claim without having all the information we had originally provided. ( Branch personnel failed to provide the police report ) The fraud investigator provided twice, a template letter with the same exact wording denying our claim stating that transactions were done using agreed security procedures, when is evident the fraudster knew Regions Bank procedures and was able to take advantage of an XXXX person because of the weak security controls of Regions Bank.
Our demands We, XXXX XXXX and XXXX XXXX demand from Regions Bank to return XXXX XXXX the {$40000.00} lost due to fraud on XX/XX/XXXX and to stop the collection efforts on the amount {$14000.00}.
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| 09/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I did a consumer credit transaction with REGIONS BANK Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.
I filled out a Credit Application with REGIONS BANK I got denied But how could I get denied? Even when I sign the consumer credit contract instrument and pay to order regions bank they are going to deposit it for full faith and value.
In exchange for the instrument I received a check pursuant to the Bill Of Exchange Act Title 12 U.S.Code 24 sets forth powers of banks including REGIONS BANK A bank can lend its money, but not its credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX, XXXX XXXX XXXX, XXXX XXXX ( NS ) XXXX.
In the federal courts, it is well established that a bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX, XXXX XXXX.
Banking Associations from the very nature of their business are prohibited from lending credit. XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX I use my federal credit card information on the credit application Title 15 USC 1602L The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Once I gave REGIONS BANK I applied my credit card information to the credit application I gave REGIONS BANK CREDIT.
Denying the credit application would be considered Unauthorized use of my credit card & unauthorized access device Title 15 U.S. Code 1602pThe term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e ( 3 ) any access device that is lost, stolen, expired, revoked, canceled, or obtained with intent to defraud Title 18 U.S. Code 1029e ( 5 ) the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a ( 6 ) Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; Im the ORIGINAL CREDITOR in this consumer credit transaction Title 15 U.S. Code 1602g The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( XXXX ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
I am a Natural Person & Consumer Title 15 U.S. Code 1602i The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Me XXXX XXXX Is A Natural Person An The ORIGINAL CREDITOR granting REGIONS BANK the right to credit Title 15 u.s.c 1602f the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment Credit is my RIGHT AS A NATURAL PERSON NOT A PRIVILEGE Title 15 USC 1602L Title 15 USC 1605 Determination of Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction.
Title 15 U.S.Code 1611 Criminal Liability For Willful And Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Title 15 USC 1692, Congress has concluded that several companies, including yours, use abusive, deceptive and unfair debt collection practices.
I am a Consumer.
Title 15 USC 1692a ( 3 ) A consumer is defined as any natural person obligated or ALLEGEDLY obligated to pay any debt..
REGIONS BANK is a debt collector.
Title 15 USC 1692a ( 5 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
The credit is created by the signature of the natural person/original creditor.
I I DON'T want REGIONS BANK Trafficking my access devices ( credit card info, mobile identification number, personal identification number & account number ) without my authorization to XXXX, XXXX, & XXXX.
Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e5 the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a6 Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; I am exercising my RIGHTS UNDER TITLE 15 CHAPTER 41 CONSUMER CREDIT PROTECTION Denied me my rights & CREDIT under chapter 41 is DISCRIMINATION Title 15 U.S. Code 1691a ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.
15 U.S. Code 1691e - Civil liability Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.
Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection REGIONS BANK obtained my credit under false pretenses! Denying me 5 U.S. Code 1681q Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
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| 06/30/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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As a single father battling XXXX, I have been charged {$6000.00} in bank fees over the past 5 years. The banks are oppressing poor, lower-class citizens. Here 's how : Assume the following : There is an account with {$200.00} and the account opt-in to overdraft coverage.
The account takes transactions of {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX. It has the available funds to cover these transactions at the time of authorization. Consider these six transactions pending. Therefore the available balance is {$0.00}, and the posted balance is still {$200.00}.
The account makes another transaction of {$1.00} the next day ( say from an auto-bill transaction ). This {$1.00} transaction overdrafts the account by {$1.00}. This transaction is also pending. The available balance is now $ XXXX, yet the posted balance still {$200.00}.
The {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX transactions post. This occurrence puts the posted balance at {$0.00}, with an available balance of $ XXXX. Since the available balance is negative at the time the transactions post, the account will be charged overdraft fees for all of these transactions. These fees will equal {$210.00}. This occurrence will put the account at - {$210.00}.
The {$1.00} transaction posts the following day. The bank will also assess another {$36.00} fee for this transaction. This occurrence will put the account at - {$250.00}.
Total fees in example : {$250.00} for a {$1.00} overdraw.
My bank has even all-but-confirmed this scenario with me in an email correspondence. I feel this may rise to the level of unconscionability, Full correspondence with bank : Me : >Hi [ redacted agent ] -, >Assume the following : >There is an account with {$200.00} and the account opt-in to overdraft coverage.
>The account takes transactions of {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX. It has the available funds to cover these transactions at the time of authorization. Consider these six transactions pending. Therefore the available balance is {$0.00}, and the posted balance is still {$200.00}.
>The account makes another transaction of {$1.00} the next day. This {$1.00} transaction overdrafts the account by {$1.00}. This transaction is also pending. The available balance is now $ XXXX, yet the posted balance still {$200.00}.
>The {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX transactions post. This occurrence puts the posted balance at {$0.00}, with an available balance of $ XXXX. Since the available balance is negative at the time the transactions post, the account will be charged fees for all of these transactions. These fees will equal {$210.00}. This occurrence will put the account at - {$210.00}.
>The {$1.00} transaction posts the following day. The bank will also assess another {$36.00} fee for this transaction. This occurrence will put the account at - {$250.00}.
>Total fees : {$250.00} for a {$1.00} overdraw.
>Is this right?
>Thanks, > [ redacted self ] Agent : >Good morning [ redacted self ], >While I very much appreciate you taking time to understand how the posting order and overdraft occurrence works I would not be able to give insight as to if your scenario is correct or not. I can say that regardless of how many overdrafts your scenario would cause, if the account in the scenario was opted-out than the {$1.00} transaction would not have been authorized and an overdraft instance would not be a consideration.
>Thank you, > [ redacted agent ] Me : > [ redacted agent ] - >Thank you for the quick response.
>Why would you not be able to give insight to whether this scenario is correct or not?
>I understand that if the account was opted out that it would not have been assessed any fees. Thank you for this subtle advise.
> [ redacted unrelated sentence ] >Thanks, > [ redacted self ] Agent : >Hi [ redacted self ], >With a hypothetical that was not something processed through our system I can not be certain what the outcome would be. While I looked at scenario and the math it appears you are on the right track with how it would work due to the fact of the available balance being the negative {$1.00} but I can not say for sure the overdrafts in your scenario would be accurate.
>While I appreciate your understanding and continuing to ensure you completely understand how the posting order and overdrafts work as it is an important aspect of operating a checking account. I would also recommend taking time to utilize some of the tools and resources available through our Online Banking. One tool specifically would be the Account Alerts. These would be a preventative measure where you can set a Balance Limit and any time your balance gets below a given balance ( i.e. {$50.00} ) you can opt for a text or email alert. There is also another option regarding setting up a specific account to be linked for Overdraft Protection that would be too wordy for an email that I would be happy to go over with you also.
>Like I said, I really do appreciate you taking the time to understand how the overdrafts work, I prefer to set up measures that will prevent the situation of an overdraft coming up. I am not deflecting your scenario in any way, it is just difficult for me to comment on something that could happen that hasnt actually been processed in my system. I will say that your scenario is very similar to what we talked about the other day but with easier transaction amounts and balances to help see what would happen.
>Thank you, > [ redacted agent ] Me : >Hey [ redacted agent ] - >Thank you for your correspondence.
>The issue I take with the ruling in this hypothetical is the only reason the account 's available balance is in the negative is because the funds were " set aside '' [ agent 's words ] for these exact transactions [ you charged overdraft fees for ], for wh
en it came time for them to post.
> [ redacted self ] Agent : >I understand and that makes sense. With everything that can happen with transactions nowadays the computer system can not run with hypotheticals built in or even take into consideration the balance when the transaction was authorized. A pending transaction can post for more, less, not at all or at a delayed time not the current or next business day. It is important also to know that with your scenario, if a deposit was made the day the {$1.00} transaction was made that brought the account positive that would avoid an overdraft situation from occurring, only if made during that business day.
>Situations like you presented do happen and cause both confusion and problems. The way transactions show on an account are continuously being updated based on new processing methods and trends for how customers use their accounts. I have been in banking for 8 years and have seen 2 updates which both were in favor of the customer.
Me : >Hey [ redacted agent ] - >It 's almost as if the transactions are being posted against the available balance when they should " post '' against the posted balance.
>Mainly if the account has a positive posted balance after the transaction clears, a fee should not be charged yet, or if the available balance was there at the time of the transaction, a fee should not be charged yet ; either way would make more sense, at least to me. It would seem this is where the system disagrees, and where much of the confusion stems from.
>In any case, I am moving on and putting this behind me, although I do think it is rather strange. And, please, excuse my candor. I thank you for all your help. I understand that time is invaluable and I greatly appreciate your continued efforts. I look forward to our future business.
>Have a great day!
>Regards, > [ redacted self ] Agent : >I can see what you mean. And you are partially right, a transaction counts towards both posted and available balance, the system will take into account if either balance goes into the negative and if so, an overdraft has resulted due to that particular transaction. What you are saying does make sense but is just not how the regulations have been set up.
>I was glad to have helped you with this issue and no apology is needed. I understand this is and can be frustrating but I am thankful that you were willing to take time to understand that happened and work through it constructively. To me that makes these types of interactions worth it.
> [ redacted unrelated sentence ] This correspondence came after I had already tried pleading with the bank manager in person at the branch, while the exact scenario laid out was happening to me but with different transaction amounts. The bank refused to refund the money and stated that is how the system works. If you overdraft your account, you are going to pay the fees, even if you don't agree that each transaction was legitimately an overdraft.
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| 03/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have a checking account with Regions Bank. On XX/XX/XXXX, I used the XXXX money transfer service offered by the Regions bank mobile banking app to send a {$300.00} dollar payment to my husbands XXXX XXXX XXXX account. I received a message that the funds would be available in the XXXX XXXX XXXX account in 1-5 business days. The {$300.00} was pending on the XXXX XXXX XXXX for 14 days but was never deposited into the account. During this time my husband and I were on the phone back and forth between Regions Bank and XXXX XXXX XXXX customer service. XXXX XXXX XXXX was stating that they never received the funds and there was nothing they could do to help us. When I called Regions, they stated the transfer had been confirmed and directed me back to XXXX XXXX XXXX. I requested that regions submit a claim for an investigation at that time to find out where the funds went since XXXX XXXX XXXX stated they had not received them. I spoke with multiple Regions Banks representative from XX/XX/XXXX up until now XX/XX/XXXX and got different answers from each representative. I also spoke to many different representatives at XXXX XXXX XXXX over the next couple of weeks and were given the same answer each time, so we asked to escalate the call up to corporate. We received a call from XXXX from XXXX XXXX XXXX corporate office and she also confirmed that the money was never received from regions or XXXX. XXXX stated that XXXX XXXX XXXX had not received any correspondence from Regions Bank regarding the issue and she was unsure of how Regions bank could have closed the investigations without reaching out to XXXX XXXX XXXX to find out if the funds had actually been deposited. XXXX stated that she would contact Regions herself to confirm that the the funds were never received. We also tried to contact XXXX customer service also but was referred back to our banks due to the fact that we used mobile banking apps which doesnt allow XXXX the information required for them to access the account. XXXX states that if using your mobile banking app to make transfers, customers have to contact their banks with any issues. XXXX from XXXX XXXX XXXX called back and stated she spoke with someone at regions who stated the {$300.00} would be credited back to my account within 5 business days. When this didnt happen, I contacted Regions bank and was told that there was no record of this conversation between XXXX and any of there reps. I spoke with supervisor named XXXX at Regions Banks office in XXXX and he originally informed me there wasnt even a record of my conversations with the 20 different reps that I had spoke with at Regions. I informed him that I was not making it up and I was sure that XXXX from XXXX XXXX XXXX wasnt making up her conversation either. So after placing me on hold and digging a little deeper, XXXX informed me that he was able to see the notes on my conversations with the reps but not Amys. XXXX also states while looking into the account he was able to find a message that said the transfer failed due to an incorrect routing number and should have been credited back to my account on XX/XX/XXXX but it didnt happen. XXXX offered to put in another claim for an investigation and stated he would input all of the details to make sure the issue would be resolved. I waited a week but did not hear anything from Regions Bank so I called customer service again. By this time it was XXXX, 2 months later. I was finally referred to the Ach department and told that I could dispute the transfer since it was never received. I spoke with an ACH representative who assured me that I would recieved a XXXX dollar credit to my account by the end of business day. This did not happen so I called back and was transfer to a client services department where I was told an Ach dispute has never been submitted on my account. The representative I was speaking with in that department told me that I should go into a local office because there was paperwork to sign and that would be a better way to make sure the dispute was submitted. I went into the office and was being helped by the bank manager XXXX. She submitted the dispute and assured me that my account would be credited with the {$300.00} by the end of day or next day at the latest. That did not happen. I tried to contact XXXX, but she was out and I had to speak with a XXXX who I was told was helping hem out from another branch location. XXXX stared that he contacted the Ach team and was told that they were working on it and wasnt sure why it was taking so long, he advised me to wait a few more business days. I waited 3 days and called back to the bank. XXXX was unable to figure out what was taking so long and unable to explain the process to me. I requested the contact information to corporate and was informed that they are not able to give that info out and are only able to submit a request for the consumer to be contacted. I requested that XXXX submit that request for me. After 3 days, I still had not received a call from corporate. I called back and XXXX still had no explanation for me and went back and forth in the converation for a while until he became upset and hung up on me. I called back to speak with XXXX to complain and find out if she was able to see what was going on with the Ach credit. XXXX checked some notes and stated the Ach investigator said they were not able to credit my account because the request was submitted outside of the 60 day window. I explained to XXXX that I was not informed that I could even submit this type of request until more that 2 and a half months later after speaking with at least 20 different representatives. I provided XXXX with the contact information for XXXX from XXXX XXXX XXXX, XXXX informed me that she spoke with XXXX and XXXX confirmed the funds were not received. XXXX stated she would get in contact with the ach investigators manager, XXXX. XXXX replies back to XXXX that she contacted XXXX XXXX XXXX and was informed that the funds were deposited into my husbands account back in XXXX. I called XXXX XXXX XXXX to confirm this and was told they do not have record of that call and that there was no way anyone told XXXX the funds were deposited because it definitely shows that the transfer failed in their system. I called XXXX back, who called XXXX back, XXXX then requested bank statement from my husbands XXXX XXXX XXXX account. I provided a copy of this statement to XXXX who emailed it to XXXX. XXXX responses that she contacted XXXX XXXX XXXX again and was told that they could not accessed deposits that are more than 60 days old. At this time I requested a call from somebody, anybody since Regions corporate office had not called me back. XXXX offered to have her manager call me. A week later, I still have not received a call from XXXX manager. I called XXXX today and was told that XXXX replied that I will not be receiving the Ach credit and that I need to contact XXXX XXXX XXXX. This response come after almost 4 months of me going back and forth, it being determined that XXXX XXXX XXXX never recieved the funds, and promises from Regions representatives that my account would be credited. I was told by XXXX that it appears the funds may be stuck at the 3rd party but unfortunately as a consumer, I am not able to contact XXXX because I went through my bank. My bank claims that they are not able to contact XXXX on my behalf either. So I am being told by Regions bank that I am out of luck and I just have to take that {$300.00} failed transfer as a loss. And I dont even deserve the courtesy of a call back from corporate or a higher up manager to try to get the issue resolved or a least make a complaint on the circles I was taken through and the fact that a glitch in the system caused my money to be loss at no fault of my own and no I am just out of {$300.00} when I thought my bank would protect me from something like that.
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| 04/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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My complaint is concerning Regions bank. On XX/XX/XXXX, I used Regions ' online payment center to pay some of my regular bills. Included among these was a payment to a credit union where I have a credit card. I routinely make monthly payments this way.
On Monday XX/XX/XXXX, knowing that I was planning to order a pizza, I checked the account via my online banking to see what was still pending and make sure I would not overdraw the account. Based on the pending transactions, I transferred money from my savings account before ordering to cover everything. On Monday evening, everything in the account was in good order.
Wednesday ( XXXX XXXX ) afternoon, I checked the account to see if the payment to the credit union had gone through. This was when I discovered that the payment to the credit union had been returned and the account was overdrawn. I could not understand how the account had overdrawn, as all had been well Monday evening. There was a transaction from XXXX that posted Monday night but had not been in my pending on Monday evening. It took some time to track this down, as I had not made any very recent XXXX purchases and did not have any outstanding transactions with them.
After speaking with XXXX, I determined that the charge was for an item I received a week earlier. Normally, XXXX charges on the date that they ship but their processing has been delayed by challenges around the Covid-19 outbreak. When the items I ordered arrived, I did not realize that I had not yet been charged for them.
I called Regions on Wednesday to determine what fees I would be charged and what I should do from that point. The returned item fee and overdraft fee were explained to me. I asked whether they would attempt to process the payment a second time, so that I could make sure to have funds in the account to cover it ( a challenge, given that I was not going to be paid until the end of the week, but I did not want to encounter more fees so I would have scraped the money together ). I was told that the item would not be attempted a second time. I contacted the other financial institution, alerted them that the item was being returned, asked about the fee I would encounter from them, and made sure that they would still be willing to accept a check from me in the future. I planned to issue a new payment to them on Friday after being paid again, since I could not now pay the full amount after paying Regions ' fees.
On Friday XX/XX/XXXX, I went to check my accounts and pay bills online with our most recent paycheck. At this time, I discovered that the item had been presented for payment again. I was upset because Regions had advised me that it would not be presented a second time. This had overdrawn the account again. I called Regions again.
During this conversation, the associate told me that it was not up to Regions to determine whether the payment would be presented a second time. She explained that the other financial institution made that decision and they had no control over if/when a third party would present the item for payment. The item was presented on XX/XX/XXXX and during this phone conversation on XX/XX/XXXX, it had not been returned. I asked the associate whether it would be returned ( and even asked whether or not that was even possible for her to determine, since I was not sure whether it was possible to know ahead of time ). She assured me that the payment has gone through this time and would not be returned. I asked about fees that might arise from this second attempt to cash the payment. She stated I would not have a returned item fee ( because it had gone through ) but that I would have an overdraft fee because it would overdraw the account. I advised that I was transferring money to prevent this and she explained that because the payment had been presented the day before, it was too late to avoid the fee. She advised me to take that into account when transferring money to the account and make sure I moved enough. She refunded a portion of the earlier overdraft fee, I think as a gesture of good will, and assured me that I could consider the matter settled once I transferred the funds to cover the item and the fee. This I did immediately after ending the conversation. I also transferred additional funds, just in case, as I was not entirely confident that everything was really handled at this point.
Saturday ( XX/XX/XXXX ), I checked the account again and the item has in fact been returned a second time. Despite there being ample funds to cover it in the account on XX/XX/XXXX.
I called customer service for the third time now. I was told during this conversation that Regions always attempts online payments twice. I asked why the associate I spoke with on XX/XX/XXXX did not warn me of this, since I had specifically asked whether it would be attempted again. The associate could not explain this and simply apologized for the misinformation. I asked why the associate I spoke with on XX/XX/XXXX had assured me that the payment had gone through when it was in fact being returned. Again, the associate had no explanation. I asked what fees I would be assessed this time. She advised I would again have a returned item fee and an overdraft fee. I asked why the payment did not go through, even with money in the account. She stated that the payment processed on the XXXX, so funds transferred on the XXXX would not make a difference. I asked why the associate I spoke with on XX/XX/XXXX did not explain this and she could not offer any explanation. I asked why the associate I spoke with on XX/XX/XXXX had told me that the other financial institution, the payee, was the party responsible for deciding to present the item a second time, since now I was being told that Regions attempts online payments twice, as a matter of their own policy. She could not explain this.
I asked this associate what I should do at this point, whether I should attempt to make a new payment or wait even longer to see whether Regions will attempt this payment again ( by now, my credit card payment to the other institution is woefully past due ). She assures me it will not be attempted again at this point but I honestly do not have much confidence in this assurance. I asked whether anything can be done about the fees and she advised to call back on Tuesday and ask again because they can not refund a fee that has not yet been charged, nor stop a fee that they can see is pending.
This entire incident will end up costing me at least {$140.00} in fees between the two institutions, all over a {$150.00} payment. Three lengthy phone calls into it, I still will need to call yet again on Tuesday. I am in a bad position with my credit union now and may face an adverse report on my credit score now. The initial overdraft and returned item are, of course, not the fault of Regions - just bad luck and oversight of a slow-to-process purchase on my part. Though I do not understand why the XXXX purchase was not visible in my pending on Monday evening ( XXXX XXXX ) - pretty difficult for customers to manage their accounts when pending transactions are incomplete or incorrect. But in any case, this second round of fees would have been entirely avoidable had I been able to get accurate information from telephone banking at any time during this process. It is extremely disappointing that bank employees can not give accurate information on banking processes and procedures to a customer. The associates I have spoken with have been polite but the information they have given me has proven to be inaccurate and incomplete at every turn, costing me real money and time. This is unacceptable.
I intend to move our accounts to another institution at this point, if I can ever settle this and finally get the credit union paid. But I don't believe Regions should be doing business this way.
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| 05/27/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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|
Web |
Servicemember |
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Hello, thank you for your assistance in this matter. I have reached out ti the company XXXX XXXX XXXX XXXX XXXX, and they tell me to contact XXXX XXXX, and when I contact XXXX XXXX they tell me to contact the XXXX XXXX XXXX XXXXXXXX XXXX. I contacted my bank to dispute the charge, but they can't help me because the company won't do anything to give me my money back, so that's why I am communicating with you now. Here is the email communication from myself to both XXXX XXXX and XXXX XXXX. I would've never paid the {$75.00} application fee if I was going to be denied, ,it is a waste of money, and I work hard for my money, and have just been terminated from my job..the office staff XXXX lied to me about disputing a denial. All I want is my {$75.00} back, please. Thank you for all your help From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : [ EXTERNAL ] Hello XXXX, here is more of the communication..thank you ; ) [ External Content ] Please use caution.
Hello XXXX, hope you are doing well. XXXX XXXX here, and I was following up on the status of my {$75.00} application fee refunded back to me. I had met with XXXX, back in XXXX, and looked at the XXXX XXXX in XXXX XXXX. I explained to him about my situation of having to file bankruptcy two times within 3 months, based on dealing with an HOA issue that I explained in my short story to you, and XXXX of Consumer Request, at the beginning of the month. I wouldve never paid {$75.00} knowing that from the beginning. Once I did pay, and the results came back he told me that I could dispute it, and write a letter explaining the details, in which I did..and spoke to XXXX and tried to get ahold of you, but you just responded by email. HE LIED TO ME, based on the conversation with XXXX, they wouldve never considered my letter for reversal of the decision when dealing with a bankruptcy, no matter what the reason was. That is not right, unethical business practices, and I am a Protected Veteran. Based on this new way of life with the COVID-19, I would be most grateful for you doing the right thing, and making me whole. With your due diligence in refunding me what I am entitled to, my {$75.00}, ASAP. Thank you for everything.
Regards, XXXX XXXX Sent from my XXXX On XXXX XXXX, XXXX, at XXXX, XXXX XXXX XXXX XXXX wrote : Hi XXXX, I know that XXXX spoke with you yesterday, but I wanted to reach out to you personally. I am sorry that your application was denied, however, we do not have the ability to override denials. The only thing you could do is call resident verify to dispute any inaccurate information if something was not reported correctly. I hope you find a wonderful home and be safe during this trying time.
Best wishes, XXXX XXXX Senior Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX, FL XXXX Phone : XXXX | Fax : XXXX XXXX Confidentiality Notice ... ... .This email, including any attached files, may contain confidential and privileged information for the sole use of the intended recipient ( s ). Any review, use, distribution, or disclosure by others is strictly prohibited. If you are not the intended recipient ( or authorized to receive information for the recipient ), please contact the sender by reply email and delete all copies of this message. Thank you.
From : XXXX XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX XXXX Subject : XXXX XXXX request for reconsideration of approval *** External Email : This message originated from outside of the organization. Do not click on links or open attachments unless you recognize the sender and know the content is safe. *** Hello, and good evening to all. Happy XXXX XXXX and hope you all have a blessed Holy Week.
My name is XXXX XXXX, and I wanted to take a moment to thank you for taking my application for XXXX XXXX XXXX XXXX to become a New Resident. I understand that I was denied based on credit, and I wanted to share with you a little about myself, why my credit is an issue, and how I would like you to reconsider the denial made, and to accept me as a New Resident of XXXX XXXXXXXX XXXXXXXX XXXX..
Again, my name is a XXXX XXXX, and I am a Veteran of the XXXX XXXX. Back in XXXX, we were victims of Fraud, Robo-signing, and Improper Foreclosure Proceedings..it became a 4 year legal battle with XXXX and thanks be to God, we won and saved our property, and had the mortgage remodified. Later went through a divorce, and I am a single father. We had an HOA issue, that for years they put a lien on our property, based on the drama with XXXX.
Back in XX/XX/XXXX, they claimed for the money past due, and took us to court. They were not willing at that time to negotiate, so through the courts they set up a date to legally steal our property on XX/XX/XXXX at XXXX XXXX. After consulting with some people, I filed a skeleton bankruptcy on the morning of XX/XX/XXXX, at XXXX with the Feds, and literally ran to the State Courthouse, and filed the docs with them by XXXX, and at XXXX the XXXX legal steal was canceled, thanks be to God. I tried to negotiate again with the HOA, and dismissed my bankruptcy at 14 days..they were unwilling to negotiate on my terms after 45 days, so they filed again with the courts to attempt to legally steal my property again. Since I filed bankruptcy and dismissed it, I had a time frame of 180 days, if I ever needed to do it again..so there was another legal steal date that they set through the courts for XX/XX/XXXX at XXXX, and on XX/XX/XXXX at XXXX, I went to the Federal Courthouse and filed bankruptcy again. Then, I literally ran again to the State Courthouse, and at XXXX I filed the documents, and once again at XXXX the legal steal date for XXXX was cancelled. I never wanted to file bankruptcy in the first place, yet alone twice in 3 months, but it was the only way I could save my property.
So here we are XXXX, we are finally selling the property, and I need a place to live for myself. I started looking at XXXX XXXXXXXX back in XX/XX/XXXX, and submitted application with my {$75.00} on Friday XX/XX/XXXX, to call this property my New Home. My plan is to move in on Friday, XX/XX/XXXX, which happens to be Good Friday. It would be a blessing For Me to be approved to move in on Friday, and take this XXXX XXXX off the market, and to be held for me, until I move in with your blessings.
Below I have attached the letter of denial, as well as the credit report, and I received a Move Out Statement which is weird because I Havent even moved in yet..the dates are perfect, and I would love to call XXXX XXXX XXXX XXXX , My New Home.
Also to share a little more about me..I am also a writer, and have written a few books, and my most recent Book has been released back in XX/XX/XXXX. It is called XXXX XXXXXXXX XXXX XXXX, and was submitted to XXXX University for XXXX XXXX XXXX, and is available online at XXXX , XXXX XXXX XXXX, and other places online. I would love to tell others about what XXXX XXXX XXXX XXXX has done for me. Thanks again for your due diligence in this matter, and I look forward to calling XXXX XXXX XXXX XXXX, My New Home. Have a blessed week.
Respectfully, XXXX XXXX XXXX Date Of Notice : XXXX XXXX, XXXX Property Name : XXXX XXXX XXXX XXXX Ref # XXXX Dear XXXX, Thank you for your application for residency with XXXX XXXX XXXX XXXX.
We have carefully considered your application but we will not be able to rent to you at this time.
Please contact XXXX XXXX directly for questions about the Denial. If you have remaining questions about your application, please contact our leasing office at ( XXXX ) XXXX.
Reason for Denial : XXXX XXXXy XXXX XXXX XXXX XXXX XXXX, UT XXXX P : XXXX
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| 02/22/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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In XXXX I decided to move back to my home town and buy my dream home. I found my dream home and closed with Regions Bank and moved into my new home in XXXX. I used a lot of my retirement but my daughter and granddaughter were moving in with me and I wanted them to be proud of the home that would someday be theirs. On XX/XX/XXXX I was awakened by my dog to the fact that the house was on fire. 3 fire departments spent 5 hours trying to put out the fire. They had to return the next day and put out new breakouts 5 times the next day. We lost everything except the PJ 's we were wearing. Little did I know what a nightmare I would have to endure. Even though I had insured my home for {$8000.00} more than I paid for it I found I was underinsured. Never did I dream the person responsible for rebuilding the home would be me. Walking away was not an option or I would lose {$30000.00}. So it began. I received the Actual cash value of {$210000.00}. within 2 weeks which I had to immediately turn over to Regions. I found a contractor that was a small company but he was going to do everything he could to build for what I got from insurance. After giving his life history the 1st disbursement of {$71000.00} came. I have had to fight for every penny after that. Not only had COVD reared its ugly head, I had to fight with county, permits, building so I was out of the flood zone, and every company I was required to deal with that had put their employees on vacation or working from home. I was given 6 extra months to finish the job. That meant that I had to have my home finished in one year or lose the {$26000.00} for the replacement value of home. I explained all this to Regions but I had to talk to a different person every time I called and explain things over and over. When I needed money for 2nd disbursement I called and requested an inspection. After 2 weeks I called to find out when inspection would be done. Regions had no idea but if I wanted to call the company in New York maybe they could tell me. Since I had nothing to do but list every item I lost down to the last Q-tip, I called them. I was told that they had no inspectors in the South East area of the United States and they were trying to hire one. What!!! I continued to call Regions with no results and finally after 4 weeks they said they were trying to get another inspector for the job. In the meantime my contractor had to take on another job since I was getting no money for my home job. On 5th week I was told the inspector would call and meet me. A week later I again called Regions and they said the inspector forgot to call me or the contractor, and did the inspection without any info on what had been purchased or was ordered and paid for. They gave me {$54000.00}. My contractor then finished framing, roof, windows, bought brick, sand, cement doors and went to work. All of these items have been completed. It is now XX/XX/XXXX and I needed another disbursement. Regions told me the inspections were ordered. I called Regions numerous times and finally found that again, we weren't called when inspection was done and it didn't come back with enough work done to be able to get another disbursement. I explained everything that had been done and that I was taking money out of my own pocket and so was my contractor. None of the things that I had paid for and were waiting to come in were counted in inspection. I guess because the inspector again never got in touch with me or my contractor yet again. They told me they were basing percentage on insurance figures for cost to finish which showed {$260000.00}. They were going to send {$70000.00}. I waited a week and called Regions because I didn't receive the check. They said they never told me and my contractor we would receive any money because again we didn't have enough done. They told me to send all receipts we had for anything we had purchased and I had to wait on the inspection. Why had they never asked for this before? Waited for inspector to call and after I week I called Regions again.. Then on XX/XX/XXXX they decided out of the goodness of their heart they would send {$20000.00}. That was spent a long time ago. I requested another inspection because at this point we had finished numerous other things and I was running out of time. I explained that it was turning into an emergency because I was going to lose the {$26000.00} from insurance if I didn't get this finished. I waited another week and again no inspection. They didn't know why it hadn't been done but again told me to call New York to find out when the inspection might be done. The lady I talked to there was the most helpful of anyone in trying to explain how the inspections were done and what counted towards the percentage of what is done. She told me from what I described as being done if we would finish the small amount of trim outside and get the floors that were already purchased and paid for done that should get us around {$60000.00}. That was finished and I called the inspector to see when he could come out. I explained to him I was about to have to move out of rental home and give back the furniture, and how worried I was about losing the {$26000.00} from insurance. He told me he would rush it through that night if I would go to the house and take pictures of all 4 sides of house, and every room inside the house. I sent them to him and he messaged me that he turned everything on XX/XX/XXXX. On Thursday I called Regions and they said they hadn't received inspection. I called again Fri and they said they had received them but they only showed 40 % complete. Wait in XXXX it was 50-60 % complete now it is only 40 %. I have asked to see the inspections so I know what was counted in on percentage done. The inspection company said they had no problem showing it to me but Regions refused. Regions only tells me percentages but never what was counted on the inspection. At this point my case has been escalated to one person for a month. She was out and her assistant told me that the whole thing was going to have to be reviewed by management to find out why it went down to 40 % Monday was a holiday and the snowstorm hit Tuesday. When I reached Regions yesterday they said they were going to send {$23000.00} while they tried to figure out how much was done, but because of snow storm it may take up to a week for me to receive it. XX/XX/XXXX and no money. I have spent {$55000.00} which is all of the personal property money I have received from insurance. Even if I get the house finished and receive the last insurance check of {$27000.00}. I will have no money for furniture, appliances, and clothes. Everything for house has been completed except for counters, which is running late because of Covd, sinks which go in counters, electrical lighting installed and final last minute things like door knobs. Regions letter always say they are not responsible for quantity or quality of work and it is my responsibility to make sure I have funds to finish the job. I have funds to finish my job, I have to go through XXXX to get them. In 4 days I will have no home and no furniture. My year is up with insurance. I can not understand why you would put the insurance money in jeopardy and turn around and offer me a loan. I am sorry but an apology from Regions when I told them my husband, daughter, granddaughter and 4 animals were going to be homeless is not what I want. You still have {$47000.00} that I desperately need to finish my house, and there are so many other things I need to be doing to get my family settled than fighting with Regions over insurance money when I have made all my payments on time and tried to follow all of your rules no matter how unfair they have been. I shouldn't be punished because my home burned down and I lost everything.
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| 01/14/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX Telephone ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern : I am writing this letter in my bequest to seek assistance in preventing Regions Bank of XXXX, Alabama from foreclosing on the home of my XXXXyear old, XXXX, XXXX XXXX mother Mrs. XXXX XXXX.
Every now and then as I would begin to pause to compose the words in this letter to seek help, I would often find myself bewildered and began asking the question what word ascribed and written in a sentence in the various and sundry Federal Laws and the Codes of Alabama, failed to protect and provide my XXXX year old, XXXX, XXXX XXXX mother, with the requisite safeguard to avoid being an Elderly Victim? Why must we sanction such an eviction decision against the wife of a notable icon leader of the 1960s Civil Rights Movement? Moreover, what word or words can we excerpt from the Settlement Agreement Between the United States of America Department of Justice ( DOJ ) and Regions Bank of XXXX, Alabama to sustain and demonstrate how mortgage lenders must follow established standards and guidelines. Here, we are calling attention to the following excerpt, namely : Mortgage lenders that participate in the FHA insurance program must follow the requirements intended to safeguard its integrity and to protect homeowners, said Principal Deputy Assistant Attorney General XXXX XXXX XXXX, head of the Justice Departments Civil Division. We will continue to hold responsible lenders that knowingly violate these important requirements.
FHA-approved lenders have a responsibility to ensure that FHA-insured loans meet our standards, which are in place for the protection of FHAs insurance fund, said XXXX XXXX, HUDs General Counsel. The agreement we announce today should serve as a reminder that sustainable homeownership starts with compliance with underwriting requirements.
This settlement resolves allegations that a financial institution, trusted to comply with FHA loan origination, underwriting and quality control requirements, failed to meet its obligations as a participant in the FHA program, said Inspector General XXXX XXXX XXXX for HUD. The banks actions impact the solvency of the FHA insurance fund. It is through the combined efforts of the Department of Justices Civil Division, the U.S. Attorneys Office for the XXXX District of Florida, HUD and the Office of Inspector General that we continue to ensure the integrity of this important FHA program to American homeowners. ( United States of America Department of Justice Office of Public Affairs ( XX/XX/XXXX ) https : //www.justice.gov/opa/pr/regions-bank-agrees-pay-524-million-resolve-alleged-false-claims-act-liability-arising-fha The sad and daunting failure to follow and apply established guidelines to all foreclosure procedures would invariably mean that all mothers and American families will undergo a similar, painful experience. At the present time, I dont have any money and within the past few days and weeks, I have been admitted to the hospital to address a variety of health-related matters.
My writing this letter is an attempt to bring information about the housing and medical struggles endured by members of my American family. Moreover, such a testimony is being espoused to try and demonstrate how the Elderly, Aged and XXXX mothers in our community find themselves imbued by the way in which bad faith mortgage foreclosure decisions are being made. I believe that there were many reasons why my XXXX-year-old, XXXX, XXXX XXXX mother is about to lose her home, namely : 1.The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX mother being informed about the use of an arbitrator or mediator to resolve the dispute.
2. The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX mother being informed about the availability of various and sundry resources to prevent her home from being foreclosed.
3. The foreclosure was done without Regions Bank informing my XXXX-year-old, XXXX, XXXX XXXX mother about receiving help from the various and sundry legal, counseling and housing resource agencies in Alabama.
4 The foreclosure was done without the homeowner receiving a letter from Regions Bank informing her that a decision to foreclose has been made.
5.The foreclosure was done without the homeowner receiving a certified letter informing or notifying her about a possible past due payments or mortgage payment not being paid 6. I believe that the Regent Bank did not act in good faith and fair dealing when it foreclosed on my mothers home 7. I was told by a Regions Branch customer service employee that my line of credit was being paid every month out of a direct debit from my Regions Checking Account 8.I believe that Regions Branch did not informed me that my payments were behind, To the best of my ability, I do not recall receiving a correspondence regarding this matter.
9.My mother has several health conditions that I believe should have been looked upon as a mitigating factor in this foreclosure issue. Such as XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX etc. ; I believe that because of her medical condition some attempt should have been made to assess the publication provided by the United States of America Department of Justice ( DOJ ) entitled Update : A Primer for State and Local Government. In this document, it stated that the Americans with Disability Act : Protects the rights of people who have a physical or mental impairment that substantially limits their ability to perform one or more major life activities, such as breathing, walking, reading, thinking, seeing, hearing, or working. It does not apply to people whose impairment is unsubstantial, such as someone who is slightly nearsighted or someone who is mildly allergic to pollen. However, it does apply to people whose disability is substantial but can be moderated or mitigated, such as someone with diabetes that can normally be controlled with medication or someone who uses leg braces to walk, as well as to people who are temporarily substantially limited in their ability to perform a major life activity. The ADA also applies to people who have a record of having a substantial impairment ( e.g., a person with cancer that is in remission ) or are regarded as having such an impairment ( e.g., a person who has scars from a severe burn ).
Title II of the ADA applies to all State and local governments and all departments, agencies, special purpose districts, and other instrumentalities of State or local government ( public entities ). It applies to all programs, services, or activities of public entities, from adoption services to zoning regulation. Title II entities that contract with other entities to provide public services ( such as non-profit organizations that operate drug treatment programs or convenience stores that sell state lottery tickets ) also have an obligation to ensure that their contractors do not discriminate against people with disabilities ( U.S. Department of Justice Civil Rights Division Disability Rights Section, Americans With Disabilities Act ( Https : //www.ada.gov/regs2010/title_2010/title_ii_primer.html. ) I am asking for your help and assistance for my XXXX-year-old, XXXX, XXXX XXXX mother who, is distressed, worried and concerned about losing her home due to foreclosing procedures instituted by Regions Bank. I am requesting that the foreclosure be stopped and immediately the words and language written in the various and sundry Federal Laws, Codes of Alabama and the Settlement Agreement to achieve compliance and enforcement.
I look forward to hearing from you. If you need to contact me, I can be reached at ( XXXX ) XXXX.
Sincerely XXXX XXXX XXXX XXXX CC
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| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
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To Whom it may concern : I am writing to you today to complain about how Enerbank USA treats people who are handicapped. I am XXXX. I have been a paraplegic for over 30 years and I have never been discriminated against this way by any entity as I have by this bank.
In XXXX of XXXX, my wife and I applied for a loan with Enerbank for our Solar Panels and were approved for {$18000.00} at 16.72 % to which the interest would accrue starting XX/XX/XXXX ( same as cash ). The monthly payments were XXXX, of which we made a total of XXXX. ( XXXX ) in payments to them.
During the course of that time, I had an unexpected health issue and I had lost my job because of it. My wife was still working, but there was no way that we were able to continue to fulfill our monthly expenses. As a result, we defaulted on our home mortgage for over a year and were on the brink of foreclosure. We also became late on other payments. My wife XXXX, spoke to XXXX XXXX, VP at Enerbank and begged her to lower our monthly payments by just {$100.00}. We had two small babies and were having trouble affording basic necessities. My wife stated that we did not want to stop paying and asked if she could lower the payment temporarily or offer a forbearance. XXXX laughed at us and said she could not offer us any affordable solution. I told her that I had to choose between making the payments and feeding my family. As a result, we could no longer make the payments as of XX/XX/XXXX.
We looked online for help and found XXXX XXXX XXXX. We enrolled 4 debts with them and asked XXXX to work with Enerbank USA first. Enerbank outright refused to work with XXXX. XXXX XXXX XXXX first contacted Enerbank in XX/XX/XXXX ( in which we were only a few months late at that time ), and they refused to work with them at any capacity. Due to them not wanting to work with them, the interest simply kept accruing with the loan. We started paying NDR and settling other debts as Enerbank refused to communicate with them. We also were forced to borrow an extensive amount of money from a family member to pay more than XXXX that we owed the bank in missed mortgage, XXXX and XXXX tax payments. We put our home on the XXXX XXXX market as we could no longer afford it and continued to pay XXXX XXXX XXXX so we could pay our creditors. We finally sold the house in XX/XX/XXXX, for much less that we had into it and moved to South Carolina.
As soon as we moved here, a few days later, tragedy struck, I was bleeding, called an ambulance, and was transported to the hospital. There, I almost died of a massive bleeding duodenal ulcer ( all on file with XXXX XXXX XXXX XXXX ). They saved me, I was transported to XXXX XXXX and after over 60 days, I was sent home and my wife had to take care of me. I was left with XXXX XXXX on my body due to the blood loss and had to be on XXXX XXXX XXXX. My wife could not balance her job and taking care of me and the children and since her company was downsizing, they let her go. We still owe our family member that we borrowed the {$40000.00} from.
On XX/XX/XXXX, Enerbank contacted us making erroneous claims. They accused me of making a huge profit on my home and hiding it from them. Even though I gave them a break down to show them we barely had enough money to make the move to South Carolina.
They also insisted that my wife was getting paid by the government/state for my care! They told me on the phone call ( and I am sure there are phone recordings of XXXX and XXXX of XXXX ) that my wife is probably making money per month caring for me and hiding the money. Do you know how demeaning this is to say to a disable person? Do you even understand how offended I am by this outlandish claim? I was very transparent and honest with XXXX and XXXX. I told them the truth of my situation. We are good people and we have been trying to pay XXXX since XXXX.
XXXX hired an attorney and we were served without even an opportunity to work this out, they would not agree to a reasonable balance that would include the XXXX already paid, and not to charge interest during the Pandemic ( which all lenders did for people during such horrid times ). They has previously said that we could pay XXXX, but they only gave us about 4 hours to get the money together. I could not get the money in 4 hours, it was impossible and they took that deal off the table. They said that they would only work at a lower rate if they could work directly with us, so we had to drop our attorney with XXXX in order to work with them. We came to an agreement of {$22000.00} ( which I still have the email from the attorney ), and they would not give us a XXXX. I will attach the emails. That was the deal! They came up with this deal. It was their idea. They sent it via email and I called the attorney to accept the deal. I sent my wife right to the bank after getting off the phone with the attorney. I was not happy with it, but I agreed to it. That day, we had the Bank Check made and we were going to mail it out. The attorney that I made the deal with called us and said he was leaving the practice at the end of XX/XX/XXXX ( within a week or so of the deal ) and he told us to wait for his replacement to contact us. So that is what we did. Even though the court date was XX/XX/XXXX. And I held on to the check. Just a day before the court date, the new attorney ( XXXX XXXX ) contacted me stating that Enerbank now took that offer off the table. The offer we accepted, they decided to renege with no notice. Nothing. Their attorney would not postpone it, and we had no legal representation at that point. They coerced us into not having legal representation for the notion that is the only way they would speak to us. This is not fair. We both explained the judge what happened. He encouraged us to work with the XXXX Attorney to which he did not want to budge, and the judge sided with them ( he did not ask to see any of our evidence during the trial which we had on hand ) Now the amount is at XXXX which includes their attorney fees.
This whole situation has not only been out of hand, but, is criminal. Due to all of this, my health is being affected because of the stress. I tried to contact the CEO of Regions, XXXX XXXX XXXX, who bought out Enerbank. They did an investigation of themselves and found no malpractice. I literally have {$22000.00} sitting here for Enerbank for 3 years and they have been belligerent. I am looking for justice at this point. The loan was for XXXX and we have paid them XXXX leaving the balance at XXXX. If you work the interest from XX/XX/XXXX to XX/XX/XXXX at the start of the Pandemic I am willing to pay that interest of 7 months. They are now threatening to put a lien on my home, and it is not easy for a paraplegic to find an accessible home. They are very unreasonable. But that one representative, XXXX from Enerbank, takes the cake, when she was particularly nasty to me on the phone. I explained to one representative at Enerbank that I am on Social Security XXXX. When I explained that to the representative at Enerbank she retorted Well doesnt your wife get paid for taking care of you by the state?
This misconduct is so unacceptable. I need help to resolve this. They think that because I am XXXX, that they can treat me this way? They dragged this out for years to add on more and more fees on purpose and are demanding double what is owed. I feel like I am being messed with by this bank. A handicapped person should not be taken advantage of like this and I would appreciate any help I can get at this point.
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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I received a fraud alert text message from Regions @ XXXX XXXX on XX/XX/XXXX. I ignored it thinking that it was a scam or just junk text messages because I get a number of those a day talking about money and I've been approved for this or that. I went to the store later that evening and tried using my card but it was not working. I revisited the text message assuming something went wrong with a transaction I did earlier that day in which I ADDED money to my bank account FROM XXXX XXXX it was for {$400.00} but at that time I'm thinking it was for {$500.00}. Thinking nothing of it and confused I reply " yes '' to the text message @ XXXX XXXX so my card can start back working. At XXXX XXXX I realized my mistake and I realized this was a for a {$500.00} debit FROM my account from an unrecognized XXXX, I replied " no '' and immediately got on the phone with a Regions Fraud representative who told me I could not do anything until the charge stopped pending. It stopped pending on XX/XX/XXXX and I contacted Regions Fraud dept again and filed a claim. They advised it would take 5-10 business days tor review the claim. In the meantime I contacted XXXX XXXX customer service hoping they would be able to assist. Through multiple email correspondence they tell me they don't see the transaction anywhere in my XXXX XXXX transaction history and to send proof in which I do. And from there I waited on a response. On XX/XX/XXXX I contact Region 's Fraud Dept. again to check the status of my claim and I am told that the claim was denied due to my " credentials '' being used for the transaction. I'm livid. For one my XXXX XXXX required Face ID to authorize transactions and for two that shouldn't be a factor when cc can be scanned in addition to fraud happening everyday where people SS # #, DOB and names are used without their consent to commit fraud. On XX/XX/XXXX Regions escalated my claim because of course I'm upset and I want the {$500.00} plus overdraft fees refunded back to me. I'm told that I will receive a new claim number and email which I found out later was inaccurate information. On XX/XX/XXXX I get in contact with XXXX from XXXX XXXX on the phone still hoping that it's something they can do. After about a 20 min conversation and a series of questions regarding my use of XXXX he says that there is no HISTORY of the transaction in their system at all. He also mentions that he has never seen this before and just from the looks of the proof I sent in the transaction from this XXXX is totally unusual. XXXX sent me an email stating there is no transaction in their system for a debit of {$500.00} from XXXX. On XX/XX/XXXX I get an email from XXXX from Region 's Solutions Center for my Ticket XXXX with the following message : We've been researching your Solutions Center Ticket and have identified new information we need to complete your request. Please contact us at XXXX at your earliest convenience so we can update the information to complete your request. So I contact this number and in a nutshell I'm told I can email any supporting documentation I have back to that email. I forward the email message from XXXX at XXXX XXXX stating that there is no history of the {$500.00} charge anywhere in their system. I also sent it as a screenshot and sent a screenshot of my XXXX XXXX transaction history which does NOT have this charge from XXXX. I figured this was all the support that they need to see that this was fraud. On this same day I am also advised by the Regions Solutions agent that there is a phone number showing in the details of the transaction XXXX. I contact that number and it's for XXXX XXXX. I never had an account with them and could not even get in contact with anyone because I am not a customer of them. So I XXXX the number and low and behold there are numerous discussion boards that include this phone number and XXXX and XXXX transactions linked to fraud. I contacted the Solutions Center again today, XX/XX/XXXX, to check on the claim and I'm told that it was again denied because they sent the fraud text message and I responded " yes '' to it. I politely explained that I also responded " no '' and was on the phone with the Fraud department in less than 10 mins from the minute I mistakenly said " yes '' assuming it was for a totally different transaction. It was a mistake in which I corrected. So here we are, 8 days later, I've submitted proof that this transaction under the name of XXXX is not a true XXXX transaction. I've explained over and over and over that this transaction was not me. I've gone over and beyond, contacting the bank multiple times, contacting XXXX multiple times even though it's not even their issue, and I have not gotten refunded for nearly {$700.00} this fraudulent charge has caused. My water got cut off due to a returned check fee. I have no money and XXXX kids and XXXX coming up. Had a son that turned XXXX on XX/XX/XXXX and he got 1, ONE, gift from me. So furious is an understatement for what I am feeling right now. Furious and ignored. There is literally no more proof I can send to Regions. I have nothing. And I figured a email from XXXX themselves saying " hey, this isn't a XXXX transaction '' would suffice but no. Now Regions has a zero liability for their Check Card Personal Visa cards, in the exact words of their website " Zero Liability policy does not apply if you have been grossly negligent in handling your card or account ''. Now, I have yet to receive any supporting details or documentations to say that I was negligent in handling my card or account ... I certainly wasn't ... but here I am being held liable for this fraudulent {$500.00} charge. Even if I do no get refunded, which it has become apparent I'm not, I wanted as many people as possible aware of Regions and how they choose to handle fraudulent activity and especially their total disregard for myself and representatives from XXXX XXXX advising that this charge is not a true XXXX transaction. There is a total lack of understanding, listening, and empathy from them. I mistakenly responded " yes '' to the fraud text message and in 7 minutes I was on the phone with the fraud department pleading my case and explaining this was indeed fraud and yet and still Regions says you don't get your {$500.00} back or the associated overdraft fees. And who cares about you or your XXXX kids and all the heartache and suffering this has caused. I want consumers at Regions aware of how they handle fraud and how they have a total disregard for the support and proof of fraud you send in and a complete disregard for me explaining over and over it wasn't me or anyone I authorized and my first response to the fraud alert was a confused mistake that I was on the phone fixing with Region 's fraud department in less than 10 mins but they don't give a XXXX.And it seems that it doesn't matter how many times I try to appeal or escalate Regions is just going to keep coming back with different reasons I can't get refunded so I am only empowered by making as many people aware of this as possible.
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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|
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department To Whom It May Concern, I recently looked at a copy of my credit report and noticed several incorrect accounts. The incorrect items listed below appear on my credit report. I would like these items immediately removed and for good cause. These inaccuracies are highly injurious to my credit rating. I disputed the accounts below 90 days ago on ( XX/XX/XXXX ) in which I have provided proof of my certified mail receipt confirmation and nothing has been removed, nor have I received a legitimate response or investigation results in this matter from experian or the creditors in question.I have contacted each creditor individually and have not gotten a response. I also have filed a lawsuit against the creditors and collection companies that have continued to ruin my credit worthiness and cause me emotional and financial XXXX.I am informing you that I have filed a lawsuit against XXXX and are seeking full legal damages. XXXX has violated the FCRA on numerous occasions as it concerns my credit file. XXXX has refused to removed outdated, fraudulent and inaccurate accounts and personal information from my credit report after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. Here is a list of the accounts that are currently in litigations.
XXXX XXXX XXXX {$440.00} XXXX Date opened XX/XX/XXXX {$440.00} ( This Account is Fraudulent and currently in litigation ) XXXX {$590.00} XXXX Balance updated XX/XX/XXXX XXXX late payments ( I was never late on this account ) Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Also, According to section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Attorney 's fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
I informed XXXX that I had misspelled names and fraudulent addresses on my credit report that still report currently. I have hired a consumer attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.
The only name that should reflect on my XXXX report is : XXXX XXXX The only address that should reflect on my XXXX report : XXXX XXXX XXXX He has noticed several violations of the ( FCRA ) by XXXX and at this point and we have file a lawsuit against XXXX. We have a full list of our ( burden of proof ) and substantial evidence to back all claims in our lawsuit, we are also holding the following individuals responsible for XXXX negligence to my client and I needs pertaining this matter XXXX XXXX ( XXXX CEO ) XXXX XXXX ( CEO of XXXX XXXX XXXX XXXX XXXX XXXX ( Chief Operating Officer ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.
The date you contacted the individual funishers of information.
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Please forward an updated credit report to me after you have completed your investigation and corrections.
You have ( 1 ) Business day to remove accounts and all inaccuarcies from credit report. We plan of pursuing full litigation by XX/XX/XXXX if inaccuaries stated in this complaint or not removed immediately!
|
| 10/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My husband and I visited XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX, TN. on Saturday, XXXX/XXXX/XXXX. We had a reservation to stay there from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. This location wont allow you to pay with cash unless you to take a smoking room. There is no option to pay with cash if you want a non-smoking room. You have to use a credit or debit card to get a non-smoking room. We are not smokers and we did n't want a stinky room so I used a debit card. We also informed the person who checked us in, XXXX XXXX, that we wanted no maid cleaning service for my room. We didnt want our privacy invaded. He then my husband that if the room was very dirty, a maid service cleaning fee would be charged to my card. So my husband and I went to the room and before unpacking anything, we first inspected the room. Then we inspected each bed. There were XXXX double beds. We were looking for signs of bed bugs and filth. The first bed had a XXXX XXXX stain on the sheet. The second bed had a stained pillow and when I pulled the sheet back, the mattress pad was dirty and had human hair all over it. My husband then used his camera phone and took pictures of the way we found the beds. We left the beds as they were and went down to the office to bring the XXXX, XXXX XXXX, back to the room. We did this due to the fear of them lying about the room and claiming we stained or messed up the beds with dirt and hair. We spent less than XXXX minutes inspecting the room.
We went to inform XXXX that we had just checked the room and beds first before using it to let him know this is how I found the room. So as my husband was trying to show him the pictures, with an attitude, he refused to look at the pictures or pay attention to what my husband was saying. He immediately started repeatedly saying I will give you a refund and cancel it out. We had driven into XXXX from XXXX, TN where we reside and it would soon be night time. My husband asked him if this was his way of solving the problem as opposed to offering us a cleaner room or having someone change the bedding on both beds. He stated there were no more rooms available and no housekeepers to change the bedding. He told us to just get our things out of the room and our refund would be ready when we came back. When we returned for the cancelled room and refund, XXXX tried to deceive us by giving us a printed out receipt that was blank other than showing a check in date of XXXX and check out date of XXXX. These were the dates we had reserved the room for. There were no monetary amounts on the receipt and no mention of a cancellation. My husband and I argued with XXXX who pretended to not understand what the problem was with the receipt so we explained what the problem was. He then printed out a XXXX receipt, but the only difference was that he changed the check out date to XXXX. Mind you, it was still XXXX/XXXX/XXXX and only XXXX minutes after we had initially arrived at the hotel. We demanded he give us a valid receipt stating the correct dates, time and stating it was a cancellation and not due to any fault of our own, but due to the beds not being clean. He then grabbed the XXXX receipt he had printed out, still with the incorrect date and other information, and wrote cancelled at the bottom. He did this, but did not sign it. Again, being deceitful. He wanted to make it appear that we had stayed in the room overnight as opposed to only being at the hotel for XXXX minutes. Just long enough to check in, check the room, and then return due to the cleanliness issues. He kept insisting that we werent reading the receipt correctly and to give it a few days and we would see the charges fall off. We left upset and very concerned about what might end up being charged to my check card.
On XXXX/XXXX/XXXX, I noticed a pending charge of {$240.00}. I didnt report the issue at that time because XXXX had lied and told us that it would drop off. It changed, but the change was in the form of a credit of {$150.00} and this was on the same day as far as what I am able to see in my XXXX account online. So he didnt credit back the entire amount, but instead, kept {$94.00} as a charge for a full 1 day stay. He created a whole new receipt that was emailed to my husband which stated we checked out of the hotel on XXXX/XXXX/XXXX at XXXX. We never stayed at this hotel. We drove back home to XXXX immediately after leaving XXXX minutes after our arrival there. I called Regions Bank to report this and file a fraud claim. I provided all the information to a representative who typed up my complaint as I was communicating it to her. She also stated that due to this being a fraud claim, my check card would have to be cancelled immediately because the XXXX would probably still have access to my number and information. It was cancelled and a new card issued out to me. The representative emailed me the complaint form which I had to sign and fax back to the department that handles fraud claims. The form she emailed me didnt show all the information I had told her about, but instead it appeared to be cut off after a few lines. I assumed that just meant only a certain amount of characters could be seen through the emailing process. I printed out the shady receipts I had received from the XXXX XXXX XXXX XXXX XXXX and made notes on each of them. I also supplied other information I had found online to make them aware that this wasnt the first time XXXX had stolen from customers and fraudulently used their credit cards stealing money from them.
I was told that it would take XXXX days to investigate this. On XXXX/XXXX/XXXX, I sent a message to Regions through my online account asking for an update and a representative replied back to tell me that my claim was denied. I have attached the determination letter I received from Regions. I found it particularly interesting that it was dated XXXX which was a Sunday and only XXXX business days after I submitted my complaint. I was told they would be doing a thorough investigation into this matter, but I dont believe that was the case. Also, the determination letter appears to be stating that there is nothing to dispute due to the fact that the merchant provided XXXX credits to my account. What they fail to address is the fact that he kept {$94.00}, when in fact, he had no right to keep any of my money and the full {$240.00} should have been refunded/credited back to my account. I would appreciate any assistance you can offer in this matter. I am attaching every document I have that is related to this dispute including all documents I faxed to Regions Bank.
|
| 06/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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I have a checking and savings account with the Regions Bank. Around the end of XXXX beginning of XXXX I received a text message early in the morning stating it was my bank security was I trying to do an online purchase. If no please text back no and it asked me if I wanted a new debit card ordered. I text back no I was not trying to make that transaction and I also stated no I did not want a new debit card ordered. Around that same time I had did a chargeback concerning an attorney I paid a retainer fee to which did not take the case and regions Bank did a e-correction underneath the stipulation that I paid for a service I did not receive. Now over 90 days later, I received a letter in the mail stating that on XX/XX/XXXX {$1000.00} would be taken out of my account to repay the correction refund that I had originally disputed in the funds were given to me by the bank. Which the chargeback was for {$1200.00} and they stated they were only taking {$1000.00} back out of my account. The letter also stated that if I had any documentation to further defend my side of the dispute to please turn it into the bank which I did do so. I took the letter into the branch here in XXXX Georgia, and what was odd to me and the gentleman that helped me XXXX XXXX XXXX was that the card number on the letter was not the card number for my account nor was the one used when the original payment was given to the attorney 's office. Then they said the case had been closed and I couldn't turn in my information and there's absolutely nothing I can do about it that the Visa merchant sent a copy of the authorized payment when I had authorized the original retainer fee in the beginning. That's what they said they decided their investigation on was the sign original receipt of me authorizing the payment to the attorney which of course that would be there they would be no reason to do a chargeback if I hadn't stated that I originally paid the gentleman who didn't take the case and I never received any services on. I turned in the original contact for me and the attorney 's office I also turned in the withdrawal of council and the signed order from the judge stating that he was not the attorney on the case along with the email from the attorney 's office where they had stated that we didn't have to do a chargeback that they were going to refund the money as soon as possible. Not to mention that I was told I they had 35 to 45 days to do a dispute to hold the money in the account that they had given back to me until that time. I did do that and now over 90 days later they just all the sudden take {$1000.00} out of my account leaving me in a hardship and they have no explanation for it they told me they can not give me a merchant ID number of where the money actually went to and on my account it says Original Description REG E CLAIM REVERSAL ACH FORCE PAY DEBIT. Also when I went to look in my online banking on my statements all of the dates for these transactions seem to be rearranged and I can absolutely prove that because there are dates where I had paid to overnight things to the attorney in the beginning for him to review the case to see if he was going to take it but they stated that they refunded me the money for it week or so prior to me even sending the case information to the attorney. In the very beginning when I received that fraudulent text message that look like it was from the bank 2 days after I went up to regions Bank to get a new debit card and to look into it they said they showed no documentation of that but the account had been locked or changed where I was not eligible for a debit card anymore. I went without a debit card until early XXXX when I went in to see the gentleman and another branch in XXXX regarding the letter I had received about {$1000.00} coming out. He stated it was a simple box they had to check and he wasn't sure why the people at the other bank didn't realize that and immediately issued me a debit card. I feel absolutely like the account information has been hacked and that for some reason a couple of the bank tellers acted very weird about wanting to help me like stating that they weren't they couldn't see merchant ID numbers or the numbers like when somebody has a credit card machine and it shows the ID number for that credit card machine so you can prove that that was the machine that actually swipe the card it took the payment that they didn't have that information but I was able to pull it up on my online banking there's never a manager available and when I call they put me on hold for 35-40 minutes until I eventually hang up they refuse to let me speak to a manager when I call always stating that no one 's available and the information that I turned into XXXX XXXX at the XXXX Georgia location he said he gave it to the manager however he said that I needed to make an appointment with the manager and make sure I bring in everything that I have for my side because the case have been closed well what happened to the paperwork that I gave him originally when I went up there to dispute it. I don't believe that that was actually the attorney 's office that did the charge back dispute well over the policy of time frame to do so and I do believe that this account has been hacked into information given out and I'm very scared about my information being out there and I am negative {$700.00} in my account because of this fraudulent negligence really on the part of regions Bank. When I XXXX some of the information that I was experiencing it was all over XXXX about the region bank tellers selling off People 's Bank information and the fraudulent text messages coming in acting like Bank security etc. At this point I would be very weary and extra careful when it comes to dealing with your account already established with regions Bank or opening up an account with regions Bank. This does sadly deeply because I have been a customer of regions Bank for many years they have always been on top of their fraud and have always treated their customers with my experience very well very respectfully and I've had a lot of knowledge and kind of really just looked out for you. What is happening now doesn't seem like regions Bank and somebody definitely needs to look into this financial institution to see if there's a group of employees that are doing this or some third party that's doing this because it is placing a very big hardship on its customers that trusted in regions Bank that once was trustworthy.
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| 12/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I XXXX XXXX, have exhausted all other remedies to resolve an issue with Regions Bank that should be classified as XXXX in nature. The forensic accounting will prove my position, and at all times I should have been granted a written contractual arrangement of forbearance during the initial stages of Covid-19 Pandemic in the state of New York. Both I and my husband are hard working professionals in the XXXX community. I handle XXXX XXXX for The XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. My work is mostly from my home in XXXX, New York. My husband is an XXXX XXXX XXXX that was laid off for a number of months, this along with me XXXX XXXX in XXXX triggered the possibility of taking advantage of a multi-month forbearance agreement with Regions Bank. Accordingly, I will show how Regions Bank is causing me and my husband an unjustified financial hardship, even though we both have maintained our lives in the most astute professional manner possible. We are raising a XXXX-year XXXX child that needs a better living environment and I have XXXX XXXX from XXXX that warrants the same including contracting the XXXX again. We are now being denied a mortgage on a single-family home located in XXXX, New Jersey. This is all the fault of Regions Bank, and the Federal Trade Commission, the Consumer Financial Protection Bureau, the XXXX XXXX XXXX XXXX and the Department of Financial Services state of New York should take a large overview investigation into the improper banking and credit reporting practices of Regions Bank. The attached forensic outline will prove that not only did Regions Bank enter into a forbearance agreement without written guidelines, but they are in violation of their subscriber agreement with all three pertinent credit reporting agencies. My argument is solid and I will file suit for damages if necessary. As a professional XXXX woman, I find the tactics used by Regions Bank highly discriminatory, and this FDIC insured bank should be investigated into all complaints pertaining to Care Act violations. The actions of Regions Bank are probably very large throughout minority communities, and as the record will show, the bait and switch actions will cause a disparate impact upon the XXXX community. The breakdown of what transpired is as follows : 1 ) After receiving a letter from Regions Bank about the Care Act, and my husband had recently been laid off from his job, I called Regions Bank in XX/XX/XXXX to request additional information 2 ) All communications were verbal, and I was offered a minimum of five-months forbearance and potentially more. I was not offered a written agreement, even if through an e-signature agreement to validate a contractual relationship between the parties. No contract was ever offered, even though any modification on payments requires written authorization by state of New York Department of Financial Services guidelines.
XXXX ) It was on XX/XX/XXXX at XXXX XXXX with one of the many representatives I had to work with at Regions, this person named XXXX, I was granted an extension of forbearance up to XX/XX/XXXX. The conversation was recorded and can be verified.
4 ) Upon an initial agreement to stop mortgage payments, my payment methods through online service of Regions Bank were cut off. It was my understanding from conversations with my representative at Regions Bank that the payment method would be initiated once Regions made a final decision as to how long the forbearance would continue. Please be aware that after my husband returned to work in XX/XX/2020, and I had at all times enough financial reserves to make my mortgage payments, but I needed a financial cushion while my husband was out of work. I was also recovering from XXXX in XX/XX/XXXX, but self-quarantined at home.
5 ) Attached mortgage statements from Regions Bank dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX shows all payments current without overdue payments. Initial forbearance payment ceased XX/XX/XXXX, as shown on the XX/XX/XXXX statement, overdue payments of {$2700.00}. My forbearance was in place without any written communication between myself and Regions Bank.
6 ) A letter from Regions Bank states that I would not have to make a payment until XX/XX/XXXX.
7 ) The XX/XX/XXXX statement shows past due payments of {$13000.00}, proving that my forbearance plan was intact. The XX/XX/XXXX statement shows a past due of {$2700.00}.
8 ) Extension of plan to include payments up to XX/XX/XXXX granted on XX/XX/XXXX, and all methods of paying on my account online was shut down by Regions Bank, as they claimed on recorded conversations that my payment process would be reinstated once the forbearance period ended.
9 ) After multiple letters from Regions, and a cross reference from additional Regions representatives, I was advised to pay the mortgage current with a payment over the phone of {$8300.00} on XX/XX/XXXX. Regions was stacking the cards against me, forcing me to accept new terms, even though verbally I was granted an extension up to XX/XX/XXXX.
XXXX ) I believe that Regions on its merits was trying to do a good thing for their customers during the Pandemic, but was most likely overwhelmed with thousands of forbearance requests at the same time. Therefore, I am not making a claim that one or several individuals were intentionally trying to ruin my overall creditworthiness. The end result however will prove otherwise. Since XX/XX/XXXX, I was granted a forbearance extension up to XX/XX/XXXX.
11 ) I am now showing a one-time 30-day late payment history that can not be justified. This late payment is ruining my chances to move me and my son to a safer and healthier environment. However, I believe in the interest of justice a compromise can be reached. That compromise is as follows : Regions accept the XX/XX/XXXX forbearance term, apply my 4 payments that will be inclusive up to the XX/XX/XXXX payment, and Regions carry the forbearance balance to be paid off over the next 24-months, and not carried on the back end of the mortgage. A short-term modification agreement will be acceptable to me and my husband.
Our credit rating will go back to PAID NEVER LATE.
Our attorney will be fully involved in the transaction. We have no desire for litigation.
I will file this complaint to several federal governing agencies as previously stated, and hereby request an expedited clearance of this serious matter.
XXXX XXXX
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| 02/12/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
Servicemember |
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XX/XX/22 - I received and email Regions bank stating Congratulations on your new account and included the last 4 digits of an account number. I went to the Regions bank website to get the phone number for their corporate office and called them. I spoke with a lady named XXXX. She said that I needed to report the account and complete an Identity Theft Kit with the bank, file a complaint with the Federal Trade Commission and freeze my credit through all XXXX credit bureaus. After I got off the phone with her, the next time I checked my email, I had received 4 more emails stating that new accounts were opened.
XX/XX/22 - I called Regions bank corporate office again and spoke with XXXX. I notified her of the email I received, the phone call I had the day before and the 4 additional emails I received. She asked for my information and verified that a total of 5 accounts ( 2 checking and 3 savings ) were opened using my name, date of birth, drivers license number, social security number, phone number, email address and mailing address. She advised that I file a police report with my local police department and go to the branch where the accounts were opened ( XXXX, TX ) and fill out an Identity Theft Kit and request the accounts be closed. She said that she would freeze the accounts in the meantime.
XX/XX/22 I went to my local police station XXXX XXXX XXXX Police Department ), filed a police report and gave the detective a copy of all the emails I had received.
XX/XX/22 I froze all 3 of my credit reports through the credit bureaus.
XX/XX/22 I received text messages from my personal bank ( XXXX XXXX XXXX ) about fraudulent activity on my account. There were 4 transactions to XXXX, 2 for {$100.00} and 2 for {$300.00}, but only 2 of the transactions were allowed to process, 1 for {$100.00} and 1 for {$300.00}, the rest were declined. I called the Fraud Alert Department with my bank and reported my bank card stolen. The representative asked if my card was still in my possession, which it was, so only the bank card information was stolen. My bank card was then deactivated due to stolen and a new card has been issued.
XX/XX/22 I went to my bank ( XXXX XXXX XXXX ) and filled out the paperwork regarding the fraudulent charges, as well as provided the bank with the detectives information and my police report case number.
XX/XX/22 I went to the Regions bank branch in XXXX, TX and spoke with XXXX. I completed the Identity Theft Kit paperwork and provided them with the detectives information and my police report case number. I asked for the accounts to be closed and XXXX stated that he was unable to close the accounts because they charge fees to close accounts and theres an investigation in progress. I asked him to verify that the accounts were frozen, because I was told they were on XX/XX/22 by XXXX, and he reported that none of the accounts were frozen, nor could he freeze them because everything had to be done through the corporate office.
XX/XX/22 I went to the police department to speak with the detective and updated him on everything with the money stolen from my personal bank account and that I was told at Regions bank that they couldnt close the accounts. The detective called the branch, spoke with XXXX, and was also told that he was unable to close the accounts. XXXX said that he would have to call the corporate office but when the detective attempted to call the corporate office, there was no answer. The detective said that he would continue to work on it and requested that I contact my bank and request information regarding the XXXX address where the fraudulent transactions were made from and send to him.
XX/XX/22 I sent an email to XXXX with my bank ( XXXX XXXX Bank ) to verify that she received the paperwork I filled out at the branch regarding the fraudulent transactions, and to request the information that the detective wanted. I was told that they will not provide me with that information. I sent her the detectives information and asked if she could contact him and provide him with the information. She responded and said that they will not provide him that information, nor would they contact him regarding this matter. She said the detectives should have their own ways of investigating and that they can not provide any of that information.
XX/XX/22 I received 6 more emails from Regions bank stating that 6 new accounts ( now 11 accounts total ) had been opened in my name. I called the Regions bank in XXXX, explained what happened previously and what had happened today, she stated that she would attempt to close the 11 accounts, she doesnt know why no one was able to do it before, and she would call me back later. I called the corporate office, again explained what happened previously and what happened today, and inquired why more accounts were able to be opened, after I had already filled out all of their identity theft paperwork and requested several times for the first 5 accounts to be closed. At this point, I had filed all the paperwork they requested, missed many days of work trying to take care of this, and not only would they not close the 5 original accounts, they allowed 6 more accounts to be opened almost 2 weeks later. The lady I was speaking to said that she was waiting for her supervisor to respond then the call was disconnected and she never called me back.
XX/XX/22 I emailed the detective to notify him of the new accounts being opened today. He called me and instructed me to file a complaint with the Consumer Financial Protection Bureau and with XXXX, then let him know when thats done.
So 5 accounts were originally opened, the bank wouldnt help me for weeks to close the accounts, even after I completed their paperwork. Money was stolen from my personal bank account through transactions with XXXX. Then almost XXXX weeks later, XXXX more accounts were opened, bringing the total to XXXX accounts with Regions bank.
Fraudulent Accounts : Regions Bank XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX My Personal Bank : XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, TX XXXX Detective with XXXX XXXX Police Department : Detective Sergeant XXXX XXXX Badge # XXXX ( XXXX ) XXXX XXXX Police report case number : XXXX
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| 01/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage was sold to XXXX XXXX aka Regions in XXXX. Over the course of this loan, we frequently shopped around for cheaper insurance rates due to the fact that we were remodeling the house and we had builders risk policies that are very expensive and change drastically from agent to carriers. Anytime there was a change on our part, XXXX XXXX would take this opportunity and force place hazard insurance coverage many times the norm at astronomical rates. Over and over we would contact customer service, provide proof of coverage and Regions would credit our loan. We did this many times, I couldnt even speculate on the number of times this took place! At one point after speaking to a research representative we finally showed proof of continuous coverage and was told, that at this point you have provided all necessary documents and we will credit everything back and get you back to your original payment amounts, with no unnecessary added insurance escrow! But, for some unknown reason, Regions, out of no where, not only asked for proof of insurance again, but added enormous amounts of unneeded insurance! They also went in and added a force placed policy in XX/XX/XXXX for back insurance for years prior??? However, it gets even worse! Over the last year, this already problematic issue turned into a nightmare. Regions has negatively affected our Excellent credit scores that we worked very hard to attain, because of the huge importance of the need to have excellent credit in our industry and profession! Regions did this by returning each monthly mortgage payment that we had setup on auto pay for the exact reason of never missing or having the possibility of being late and then reporting to the credit bureau that we are in default. The payments in the amount of {$3000.00} have been received and cashed by Regions, but then Regions issued and mailed a check back to us. To date we have not cashed any of these checks that date back to XX/XX/XXXX, nor has Regions applied any of the payments that they received and cashed from us to our loan. Regions claims we are nine months delinquent because of the forced placed insurance which increased the monthly payment and is threatening to foreclose. We have provided proof of coverage to them, like I said numerous times. However, they refuse to remove the escrow which more than doubles the monthly mortgage payment.
The mortgage is an interest only with no escrow account, as we pay our property taxes and hazard insurance directly. We have had issues with the insurance with Regions from the very beginning of the loan, but XX/XX/XXXX we now had issues with property taxes as well. Although we paid our taxes annually, we had to resolve this issue too and ultimately sent the funds in full to Regions in good faith. Regions sent {$22000.00} on XX/XX/XXXX and sent {$24000.00} on XX/XX/XXXX for payment of property taxes. Both payments were sent well in advance of the due dates required for the given years.
We have attempted to resolve the issues with this loan, and thought we had. As on XXXX XXXX, XXXX we have email correspondence from a Regions Research Specialist stating, you have received a refund for every lender placed policy that was paid from your escrow, except for the period from XX/XX/XXXX-XX/XX/XXXX. Once we received proof of coverage for that time period, we can refund that as well. Then on XX/XX/XXXX, a letter was received by mail that an earned premium of {$25.00}, XXXX will be billed to your escrow account for the coverage we obtained for the period of lapse in your coverage. We contacted Regions again and threatened to get a lawyer if this continues. After that conversation, letter after letter was received with forced placed policy dating back to XX/XX/XXXX. Now suddenly we are being charged for force placed insurance policies in 2017 for the year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can insurance be obtained and charged to a customer in the past?
Forced Placed Hazard Insurance Policies from XXXX XXXX XXXX XXXX were issued as followed : An issue date of XX/XX/XXXX, we received notice of Forced placed insurance policy for the effective date of XX/XX/XXXX-XX/XX/XXXX. The total premium {$18.00}, XXXX Another issue date of XX/XX/XXXX, we received notice of Forced placed insurance policy for the effective dates of XX/XX/XXXX-XX/XX/XXXX. The total premium of {$20.00}, XXXX.
Then issue date of XXXX XXXX, XXXX, we received notice of yet another Forced placed insurance policy for the effective dates of XX/XX/XXXX-XX/XX/XXXX. The total premium of {$26.00}, XXXX.
A issue date of XX/XX/XXXX, we received notice of Forced placed insurance policy for the effective dates of XX/XX/XXXX-XX/XX/XXXX. The total premium of {$24000.00} Of course we have questioned this and No one at Regions can explain our account to us or the excessive charges applied to our mortgage. This has negatively impacted us, as we can not refinance our mortgage with us reportedly not paying the past nine months. This home has approximately {$800000.00} mortgage balance, but is valued and insured for {$4.00} million. We have invested hundreds of thousands of our own money into a major renovation, with the intentions of refinancing and getting the funds back. With the issues that Regions has caused, we have not been able to get a loan to refinance our Mortgage. Our Credit has nothing Negatively reported with the exception of Regions, both my husband and my credit went from XXXX+ to XXXX. We only discovered this when attempting to finance Equipment for our business, but was denied. Now Regions is affecting our livelihood. Please help us consumers with this unjust treatment by XXXX XXXX!
We are in desperate need of assistance, we do not know how else to resolve this matter. After having an attorney contact XXXX XXXX to inquire about the transactions discrepancies, they immediately assigned our account to a law firm and demanded we pay in full within 30 days or have the home foreclosed. Out of fear, of loosing a legal battle with Regions, we immediately halted moving forward legally with our lawyer. We were afraid that they would continually decide not to accept our payments and actually follow through with the foreclosure!
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| 01/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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My checking account at Regions bank has been hacked and Regions has not provided any protection of my funds which has shaken my confidence in the banking system. I am a college student and have very few transactions in my checking account. Starting in XX/XX/XXXX, there were numerous fake deposits and wires on uncollected funds.
Here are some of the fraudulent larger transactions that caused me loss : On XX/XX/XXXX ( Friday ), a mobile deposit for {$1400.00} was made, on XX/XX/XXXX ( Monday ) a mobile deposit for {$2900.00} was made, and on XX/XX/XXXX a {$500.00} mobile deposit was made. Those items were returned because they were fake and I was charged returned item fees of {$15.00} for each. Copies of the returned items were sent to me. They are checks written to me from XXXX XXXX in Tennessee. I dont know any XXXX XXXX and did not make those fraudulent deposits. In addition, they dont appear to be properly endorsed. Prior to those items being returned, Regions processed a XXXX XXXX transaction for {$990.00} on XX/XX/XXXX, a XXXX XXXX transaction for {$990.00} on XX/XX/XXXX, and a XXXX XXXX transaction for {$990.00} on XX/XX/XXXX. I have never used XXXX XXXX for anything. We called XXXX XXXX and they informed us that money was wired to XXXX XXXX in XXXX. I dont know anything about XXXX or anyone there.
When I returned to my home from XXXX holiday, Regions had sent me a copy in the mail of one of the returned items. I immediately ( on XX/XX/XXXX ), the next day that the bank was open, went to the local Regions Branch and reported all of the fraudulent transactions to the Customer Service Rep and completed a list of the unauthorized transactions. At that time, we requested that all transactions on that account to be frozen, nothing in and nothing out until we could figure out what happened. We also opened another account.
Regions sent a letter dated XX/XX/XXXX stating that their research indicated that I allowed my ATM card and PIN number to be used by another individual and held me liable for this fraud.
On XX/XX/XXXX, Regions allowed another fake deposit to be processed in that frozen account totaling {$2900.00} and on XX/XX/XXXX a fake deposit was processed for {$2100.00}. This time whoever is committing the fraud transferred the uncollected funds to the new account and tried to set up a payment for {$3300.00} to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I logged into my account on Sunday XX/XX/XXXX and realized what was happening and stopped that payment because it had not been processed by Regions yet. I dont know anyone named XXXX XXXX and did not make those deposits or set up that payment. The fake deposits were returned and I was charged return fees and overdraft fees. So after we froze the account, Regions allowed deposits and transfers to be made.
On XX/XX/XXXX, my mother, who is a signer on the account, returned to the branch to dispute the findings in the letter and to open a new investigation for the fake deposits and transfers ( that Regions allowed in an account that should have been frozen ). She also went on XX/XX/XXXX, to find out that there were no additional notes on the account from the fraud department and was told that they ( the fraud team ) was probably gone for the day at XXXX and that theyve been very busy lately. My mom received a phone call from the local bank rep on XX/XX/XXXX for an update, and was told that she was not able to get in contact with the fraud department, meaning no new information or that any notes were notated in my file.
On XX/XX/XXXX, the Customer Service rep at the branch called and indicated their investigation found me liable for the transactions again. She stated that because this happens often in student accounts and that the bank believed that my info was given instead of stolen that they would not reopen the investigation and it was over ; there was nothing else that they could do at the bank level. She did not offer any explanation in writing, nor have they been able to produce any connection between me and the depositors/wire transfer receivers. She said all of my money was gone and I owed the {$1400.00} for the overdraft created by this fraud and that they would report me to the credit agencies if I didnt pay.
I have always been told that a bank is a safe place to keep my money. I did some research and read the Electronic Funds Transfer Act ( EFTA ) which appears to provide some protections from this situation. I dont believe Regions is in compliance with this regulation. They didnt provide a determination within 10 business days ( part 908 ( a ) ( 3 ) ) of notification for the transactions that occurred on XX/XX/XXXX and XX/XX/XXXX with notification on XX/XX/XXXX. They notified me on XX/XX/XXXX which exceeds the 10 business days allowed. I dont think they made a good faith investigation of the error and I dont think that because I am a student is a reasonable basis ( part 908e of the EFTA ) for holding me liable.
I didnt originate any of these transactions and dont know how my account was hacked. I have no connections with any of the people, whether depositing or removing any funds. My account had very few real transactions ( 3 in 2 months, 2 being mobile deposits with properly endorsed checks with my signature, not signed as cash as in the fraudulent checks, and 1 debit at a gas station ), and it is really disappointing that Regions internal controls are so weak they didnt provide any level of protection. It makes me wonder how susceptible this federally insured institution is to money laundering and fraud. The fraud department did not catch this, they just returned the fraudulent items with no investigation until I initiated it. There were other smaller fake transactions, deposits and withdrawals, which occurred earlier during the month of XX/XX/XXXX which should have alerted the fraud department that something was wrong. I disputed those transactions also.
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| 04/03/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/21 my sim card deactivated from my cell phone for the first time around XXXX am XXXX. After dealing with that issue and reactivating my XXXX card at XXXX pm CST, I checked my gmail email and noticed an email from Regions Bank indicating that there was a new device log in on my account at 11:48 am CST on 3/16/21. I immediately tried logging in Regions bank on my work desktop and my password would not work. I called the Semmes, AL branch, and they informed me that I have been hacked and immediately need to go to the nearest branch. I immediately went to the XXXX branch in XXXX, AL and spoke with a representative there who confirmed that all of our accounts were cleaned out, with the exception of a pre-paid card called a Now Card - which won't let you transfer electronically. The accounts cleaned out included our main household checking account, a college savings account, my XXXX XXXX XXXX son 's student account and my XXXX XXXX XXXX son 's student account. I was told that someone had obtained access to our accounts online, opened a XXXX account and transferred {$800.00} to someone named XXXX XXXX XXXX bank shut down online access, but did not feel the accounts needed to be closed, so they were left open. After returning from the bank around XXXX pm CST, I saw an email in my gmail account indicating a new device log in at XXXX am PDT in my yahoo account - which shows it was a safari mobile device in Florida. My yahoo email account is linked to my bank, Facebook and Paypal accounts. I tried logging in to my yahoo account but it wouldn't accept my password. I was ultimately able to change it and regain access to my XXXX account. I called the XXXX Police Department XXXXancial Crimes who asked me to email an account of what happened, which I did on XX/XX/21. Ultimately I had to report it to the county Sherriff 's office and was provided a case number.
After thinking we had everything under control, on XX/XX/21 my sim card again deactivated from my cell around XXXX pm CST. After discovering it an hour later, I again went through the steps with my phone provider and reactivated the card at XXXX pm CST. At this point, I was not connecting the deactivation of my sim card to the compromise of my bank account of XX/XX/21. Around XXXX pm CST on XX/XX/21, I checked my XXXX email and received a notice that someone XXXX have accessed my XXXX account at XXXX pm CST. I tried logging into facebook but it would not accept my password. I also received another email that there was a new log in to my XXXX account at XXXX pm CST on XX/XX/21 from a device in Florida. I immediately went to XXXX and could not log in there either. Ultimately I recovered both accounts within minutes only to discover that someone had put in a transfer of {$2300.00} from my bank account. This person also tried to transfer {$20.00} from my XXXX XXXX to a person called " XXXX XXXX ''. I immediately reported the unauthorized transactions to XXXX and XXXX. On XX/XX/21 I discovered that the bank allowed this transaction to occur causing our family account to be - {$1700.00} XXXX we had about {$600.00} in there XXXX. I called the XXXX number and reported the unauthorized charges. Thankfully this was resolved rather quickly and we received our {$600.00} back the following day. On XX/XX/21 after visiting my local branch, it was decided to secure the main account by only allowing deposits XXXX was waiting on a tax check ). At this point, I removed my bank account from XXXX and XXXX Pay and deactivated my XXXX account. I changed all of my financial accounts and bills, etc to a gmail address. We still at this point did not have online access to our bank account.
On XX/XX/21 around XXXX pm CST my sim card deactivated from my cell again. I immediately reactivated it and started checking all of my accounts because at this point, I know now that someone was accessing my sim card to get online log in temp codes. I immediately checked my gmail account and received a notification that a temp code was texted to my cell at XXXX am XXXX. The email said that my XXXX account was being reactivated. I immediately went through the steps to report this to XXXX and change the password, and I'm still trying to get that account closed permanently. On XX/XX/21 I immediately removed my sim card from my phone and purchased another phone with a new sim card.
On XX/XX/21 at XXXX pm CST I received a call from my XXXX asking if I filed for unemployment benefits. XX/XX/21 it was confirmed through the XXXX XXXX Unemployment office that someone tried filing under my identity.
XX/XX/21 I received a letter from Regions bank indicating that my claim for the {$800.00} that was taken from us on XX/XX/21 was denied. Their reasoning was because my XXXX yr old son had access to my online banking credentials. The problem is that my son of course had access because all of our accounts were linked together. When I took him to get a student card, nobody told us that he had to have his own sign in. He has an active account that is linked to mine and has every right to access it. He has a job and was at work at the time the compromise began on XX/XX/21.
On XX/XX/21 I reported my identity theft with the Federal Trade Commission. I also placed an alert with the credit bureaus.
I apologize for all of the information above that appears irrelevant to the {$800.00} denied to us, however I just wanted to show that my identity has clearly been stolen which should have been taken into consideration by Regions. My son checking his account on his phone has nothing to do with my sim card getting hacked. The compromise clearly came from from my device through the hacked sim card.
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| 11/24/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Hello my name is XXXX XXXX and my recent problem started XX/X/17, I have two accounts with regions one of tellers and the XXXX branch recommended I try this for the way I had been utilizing my account Which i did find to be helpful. On XX/XX/2017 stopped at a gas station to get gas using my primary checking account check card but the card would not read in in the company 's pay at the pump machine. So because i was pressed for time I used my secondary checking account check card to purchase {$10.00} in gas after I transferred {$15.00} from primary to secondary account to cover the charge. and head back to work later that day I was headed to pay my rent checked my account three times before even attempting to use my check card on my secondary account and be cause I had also stopped at a family dollar and made a purchase {$3.00} left me with a balance {$1.00} and because I built a good relationship or so I thought with regions when ever im short or just want extra money I am able to overdraw my account with or without funds in the amount of {$240.00} which I have utilized this feature a few times paid back in full with {$36.00} dollar late fee attached which I have no problem with as I am aware of the charges applied when knowingly over drafting your account. so it total I should have had to pay {$270.00} which is the amount that showed on my app when I checked my balances which i do often to avoid any issues with my account well so after a couple of day I was checking my accounts because I get deposits often in my primary account I noticed that my secondary account 's balance had changed to - {$310.00} which I did n't understand so while checking my account I could n't figure out why it was that amount but because of family emergencies I could n't go the bank on the initial day that I noticed the balance but was I was able I went into the downtown location in Florida and spoke with a lead at the branch bout the extra charges on my account and after coming to a conclusion of how the charges were incurred the Representative told me that she would speak with someone to see if there was anything that could be done and she would let me know the next day well days later I try and reach out to the rep again and was told she was in a meeting and would call me back still no call from her not long after calling I check my primary account and money was missing from my {$31.00} was missing from my account with no trace of where the money went no description or anything on the online banking a day/days later I noticed to charges reading collections dpt ddaactive not sure of the exact day they started because the post dates and the day my money was withdrawn from my account without my knowledge do not match but on 4 different occasions withdraws in the amount of {$7.00} -- {$31.00} -- {$3.00} -- {$270.00} was withdrawn from my account for the first two of those four charges I had no idea what they were where they came from or by whom the were authorized so I call regions and speak with them regarding the charges and they send me to the collections department and upon speaking with them they told me that because my account was 15 day over drawn that regions had the right to withdraw money from any account I had with them to cover the overdrawn amount and they were able to take out as much or as little as they wanted and asked them if my account was closed/closing they told me at least 2 times that my account would close for sixty days even if it is over drafted I was given this information from a rep and his manager over the phone on if I 'm not mistaken on XX/XX/17 which by this time my account had already been charged twice so a couple days before my payday I finally speak with the lead rep who quickly rushed me off the phone in a very neglectful way stating it was nothing that could be done as far as the fee 's were concerned so when I got paid money was withdrawn from my account with no trail at all of where it was which I have pictures showing that it was almost like my money vanished into thin air until they decided to show the transaction so after all is said and done i 'm upset because they have just completely dis regarded me as customer or person in charge of my money and have done whatever they wanted to do with my money I try to transfer money into my secondary account which is now at a {$0.00} balance because of the unauthorized transfers and am unable to, only to find that they have closed my account which i did not know until i called the customer service number to find out why I couldn, t transfer into this account, and they told me that they had good news that even though the account was closed that because collections closed it at a {$0.00} balance that all I had to do was go into the branch and they would just reopen the account so I go to the branch near my home in XXXX speak with a rep and the branch manager only to find that it ca n't be reopened and they sent an email to the branch manager in XXXX XXXX and about an hour later I get a call from the very lead who could n't find the time to return my call after several attempts to contact her stating that she is sorry that this happened trying to deflect the situation to anything or anybody besides her and that branch asking me what can she do to make this right while at the same time stating that there was nothing they could do. I have never felt so out of control and taken advantage of as a customer or as a person in my life this has emotionally affected me if there is any one I mean any one at all who could help PLEASE DO I do have several more pictures but can only upload and other evidence of dates and times I spoke with people
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| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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XXXX. On XX/XX/ : My wife and I received a " Welcome Letter '' from Regions Bank. Included was " Loan Estimate '' of origination costs. The Origination Costs included 0.125 % of loan amount, which was {$130.00} + Loan Administration Fee of {$890.00} = a total of {$1200.00}. ( The Total Closing Costs for us were listed as {$8200.00}. ) XXXX. On XXXX XXXX XXXX : We received a " Closing Disclosure Form, '' with the words at the top of the page stating : " This form is a statement of final loan terms and closing costs. '' On this document, the Origination Costs went up to 1.75 % of loan amount, which was {$4400.00} + Loan Administration Fee of {$890.00} = {$5300.00} ( The Total Closing Costs for us were listed as {$14000.00}. ) We called XXXX XXXX, our Loan XXXX at XXXX Regions Bank, to ask about this increase, and she said these numbers would be adjusted at the closing. She also explained why some of the Total Closing Costs were our responsibility and explained that some Closing Costs were the seller 's responsibility and would be added later. However, she made no mention of the Origination Costs. And we did not know enough about the loan process to ask specifically about Origination Costs.
XXXX. On XX/XX/ ( two days before the closing date ), we again received a " Closing Disclosure Form, '' with the words at the top of the page stating : " This form is a statement of final loan terms and closing costs. '' On this document, the Origination Costs went up to 2.25 % of loan amount, which was {$6000.00} + Loan Administration Fee of {$890.00} = {$6900.00} ( The Total Closing Costs to us were listed as {$15000.00}. ) We again called the loan XXXX XXXX XXXX to ask if this were not a mistake, since were led to believe an adjustment would be made. We did not receive a clear answer about the XXXX and then XXXX increases in origination costs. If this were not just a quickly correctable mistake, we asked that Regions Bank : " Please hold the {$6900.00} in a local account until I can speak to someone at Regions Bank who would be authorized to grant us post-settlement relief. '' " We ask you and the executives at Regions Bank to try to see things from our perspective. If you had sent us the XX/XX/XXXX Closing Disclosure on Monday, XX/XX/XXXX as we had requested, instead of on XX/XX/XXXX, there might have been time to have an informed negotiation about reasonable origination costs. But now it is too late for that, so our only option is to request that you and the appropriate executives at Regions Bank be open to discussing with me some appropriate form of 'post-settlement relief. ' '' XXXX XXXX then called us after receiving this email. She said that after checking she found out that the increase in Origination fees from XX/XX/XXXX to XX/XX/XXXX was because the mortgage was on a second home. This made no sense to us as our first home had been paid off for XXXX years! She had never disclosed that there would be a penalty for a mortgage on a second home. She said meekly, " I thought I had told you. '' But neither my wife nor I had any knowledge of her telling us any part of this.
On XXXX XXXX XXXX the XXXX branch of Regions Bank helped us file an on-line complaint with Regions Bank XXXX A person called us that afternoon from the XXXX, XXXX XXXX XXXX Regions Bank to say she would be following up on our complaint. On XX/XX/, I called for an update from the representative of the " Escalations Research '' department and she told us : XXXX ) That the increase to 1.75 % of the total loan origination fee ( XXXX XXXX XXXX ) was because we were purchasing a second home. [ OUR RESPONSE : We were never informed of this in a timely fashion to pursue other loan options. Additionally, we have no other mortgage obligations + a good credit history + an adequate income. To us, given our financial history we were more than able to meet the obligations of a second home to be able to see our grandchildren regularly and to have a hurricane refuge in place, since our first home is in XXXX XXXX, LA. ] XXXX ) That the 2.25 % of the total loan origination fee ( XX/XX/ ) was because we " asked '' to pay less of a downpayment, resulting in our requesting a loan that was over 70 % of the value of the property. [ OUR RESPONSE : This is a complete distortion. In fact, we all along wanted to pay around $ XXXX downpayment, but Regions Bank kept putting unnecessary barriers in own way, forcing us to take out a bigger loan in order to close on the house by the deadline of XXXX XXXX Here is our experience of that manipulation which unnecessarily increased Regions profits. Between XX/XX/XXXX and XX/XX/XXXX, Regions kept requesting additional documents to further show we had the ability to pay a down payment of approximately $ XXXX. I offered to send copies of our current bank accounts which showed resources over $ XXXX. They refused this offer asking for XXXX full bank statements ( which in fact would not include money from the sale of our previous second house and from my personal XXXX ). So, because we had a good deal on the sale price of the new house in XXXX, XXXX XXXX we felt extreme pressure not to lose this house. We believe we were manipulated by Regions Bank at the last minute. This manipulation is what resulted in our lower downpayment and their higher profits.
We were promised a letter or email by XX/XX/, that would have put in writing Regions ' positions on our complaint. But, as of todayXXXX XXXX XXXX XXXX we have yet to receive a letter.
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| 05/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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To whom it may concern : I want to share my experience with the CFPB and respectfully request that someone look into the lending and collecting policies of EnerBank USA.
In XX/XX/XXXX, we took out a home improvement loan with EnerBank USA for {$19000.00}. We had two years - no interest- to pay it back. The full amount was due by XX/XX/XXXX.
We paid monthly on the loan and planned to pay the remainder off by XX/XX/XXXX. I had a family emergency in XXXX and XXXX and by the time I was able to think straight again, my husband and I realized we'd missed the XX/XX/XXXX deadline. My husband went on the EnerBank USA website and thought he found the full amount owed and paid it off on XX/XX/XXXX. He tried to call EnerBank to see if the loan was now closed but after an hour on hold, he wasn't able to get through. I then took over and after two hours on hold - was disconnected once and had to call back, I finally reached a customer service representative who said that we owed over {$7000.00} dollars in interest because we didn't pay the entire loan off by XX/XX/XXXX. From XX/XX/XXXX, on, we were being charged 17.99 % interest on {$19000.00} even though we'd paid half the loan off by XX/XX/XXXX and the whole loan off by XX/XX/XXXX. That didn't matter to EnerBank because they charge 17.99 % daily on the full loan amount even though we'd paid half back over the two years. Yes. We had a signed contract with them and we knew that they charge exorbitant interest rates if the loan isn't paid in time and we had every intention of paying it in time but due to a family emergency, we were delayed.
I explained the situation to the customer service rep and she said there was nothing we could do. I asked to speak with a manager. She said the manager would tell me the same thing. I told her I still wanted to speak to a manager and see if they could reduce the penalty since we'd paid 1/2 the loan off by XX/XX/XXXX and the full loan two months later. She put me on hold and after a half hour she came back to say no manager was able to speak to me. I told her I would wait and she told me that someone would call me back in 24 hours.
I waited 24 hours and no one called.
I then began to do extensive research on EnerBank and found that my experience was similar to so many customers and the reviews were scathing. I went on the XXXX website and found hundreds if not one thousand reviews of their predatory habits. I read about people losing their homes because of them. Here are the key issues I'd like you to look into : Their online portal : It is almost impossible to get a payment history. I had to go through two years of XXXX banking statements to make sure I knew what we'd paid to date, as EnerBank doesn't have that information on their online portal.
Their customer service : Customers wait hours on hold and never actually get to speak to a manager Their unwillingness to work with customers : There was no attempt to even discuss my situation with anyone. Thankfully, my husband and I were able to come up with the money once we realized they'd not budge and would continue to tack on 17.99 % interest every day on a {$19000.00} loan that we'd paid off. A manager called me back and left a voicemail for me to call them back at the toll free number. No extension- just call the toll free number and wait again, which I did, only to be told that the message the manager who'd called me had was 'No- nothing could be done about the interest. ' End of story.
When I paid off the interest penalty today ( {$7300.00} ), I was on a recorded line. I explained to the customer service representative that I was not upset with her but that I was going to share my thoughts about EnerBank on the recorded line because I think their business practices are shady and their unwillingness to even speak with the customer and come up with a reasonable solution is criminal.
In addition to researching customer reviews on EnerBank, I see that they are offering huge sign-on bonuses for people to work in their collections department. Of course they are. The only way to pay off a loan with them is with cash/checking/debit. You can't pay it off with a lower interest credit card so you are forced to pay their daily interest rates ( which are huge ) until you have the cash to pay it off. I can completely see how easily someone can go under if even one thing goes wrong with their loan.
Of course, I made a mistake getting distracted in XXXX and forgetting to pay off the balance. That was my error and it cost my husband and me but I worry about the people who can't come up with the cash to pay the huge interest they charge and who try, desperately, to get through to someone at EnerBank to help come up with a payment plan but are told there is no flexibility, no willingness to even discuss or hear a customer 's story.
I have filed a complaint with the XXXX. I let the company who did our home improvement ( who directed us to work with EnerBank ) know about our experience and they are going to share it with the team of other companies they know who use them. That company- XXXX 's XXXX in XXXX, XXXX, tried to reach out to their contact at EnerBank but never heard back.
If you need any further information, please let me know.
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| 03/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I moved out of Regions ' geographic area and so I needed to close my account via phone.
1 ) My first attempt was on XX/XX/XXXX. The woman on the phone appeared to handle everything appropriately, consolidated my checking and savings accounts, and let me know that my account would close in 2-3 business days and that I would have the cashiers check for the remaining balance within 7-10 business days after my account closed. Unbeknownst to me, Regions apparently has a policy that they can't close an account with over {$1000.00} in it over the phone, so my closing was rejected. No one from Regions attempted to contact me to inform me of this, despite having my phone number, email address, and mailing address.
2 ) My second attempt was on XX/XX/XXXX, by which time I had realized that something had clearly gone wrong. I again called the Regions customer service line and spoke with XXXX ( a different representative ) who let me know their policy about closing an account via phone with over {$1000.00} and apologized profusely that no one had told me and that no one had contacted me.
3 ) I then transferred money out of my account to bring the balance down to {$550.00}, so that the account could be closed. This balance was further reduced as of XX/XX/XXXX, as Regions had the audacity to charge a maintenance fee for not meeting the account minimum balance for it to be free.
4 ) On XX/XX/XXXX, I called Regions a 3rd time to close my account. I was promised that the account would close between 1-2 business days, although my account did not formally close in their system until XX/XX/XXXX, a full 4 business days later ( I was logging in to check every day ).
5 ) I was then out of the country for an extended period of time and assumed that I would have my check waiting for me when I arrived home. This was not the case, so I made my 4th call to Regions on XX/XX/XXXX. I spoke with XXXX, who let me know that my check should have been issued and she referred me to XXXX XXXX, a manager within the XXXX regional office.
6 ) XXXX called me on XX/XX/XXXX to verify my address and promised a call back the next day. I called her on XX/XX/XXXX after the close of the business day and left her a voicemail, since I had not heard from her. She called me back that evening to let me know that she was still waiting on an email response from someone else and that she would update me when she could. She also informed me that there was another person 's check that they had never received from that same day, questioning if perhaps there had been some issue at that office.
7 ) XXXX and I spoke again on XX/XX/XXXX when she informed that in order to get a new check issued, I would have to sign and notarize an Indemnity Form stating that I had never received the original check and mail it back to their office and only then would they issue a second, replacement check. I questioned why this was necessary, given that they could see that the check had not been cashed and they could simply cancel the check, but I was assured that this was the only way.
8 ) XX/XX/XXXX, I left XXXX a message because I had still not received the Indemnity Form nor the check. I never received a call back from XXXX.
9 ) On XXXX, I left XXXX another voicemail. She called me back and informed me that she had sent a follow up email to the person responsible for sending the form, but that the records show that it had been sent via certified mail on XX/XX/XXXX ( 8 business days ago ). As of today ( XX/XX/XXXX ) this was my last contact with XXXX.
10 ) Frustrated by the continuing situation, I sent an email to Regions general customer service mailbox on XX/XX/XXXX. I received a response the next day ( XX/XX/XXXX ) informing me that I would have to use their secure email server in order to discuss anything with my account. I attempted to log into Regions customer portal but my account is no longer active because it had been so long since my account closed. Email was no longer a viable means of contacting Regions.
11 ) XX/XX/XXXX, I called the Regions line for 5th time ( excluding my phone calls with XXXX ) and spoke with XXXX. He was very helpful and sent an email to a supervisor while we were on the phone together. He informed me that a supervisor would reach out to me the next day but that I should call back to check on the status within 1-2 business days. I did not receive a phone call from any such supervisor on XX/XX/XXXX. XXXX also confirmed that my address had been changed in the system, an action that required him to ask me several questions to verify my identity ( former addresses, family ages, etc. ) I bring this up because this is the first time in this long process that anyone has done this and it struck me as odd that this step would be required now, when I had previously verified my new address multiple times with various other representatives.
As of XXXX on XX/XX/XXXX, I have not received any further contact from XXXX XXXX, I have not received any follow up call from another supervisor, and I have not received either the original cashiers check or the Indemnity Form. I have been actively trying to close my account for 3.5 months and my money has been in an inaccessible limbo for over 2 months.
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| 04/25/2023 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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Immediately upon closing on my home in XX/XX/2022 I walked over next door to the Local Regions Bank in XXXX, TN and opened up a checking account for my mortgage payment to be setup on autopay. The president of the local XXXX branch is who had me to his office and set everything up ( the checking account and the electronic payment for the mortgage to come out monthly.
Everything was smooth until the month of XXXX. What was not noted in writing in my complaint to Regions ( im fairly certain it was over the phone ), the transaction history actually showed the mortgage amount money coming out of my accountit was listed as a deduction just like the other payments. I responsible enough that yes, I checked the account just to be sure because that is who I am, always double checking things. What is mind boggling to me is that at some point the money showed it being added back to the account so the amount that was originally deducted was credited back. The important piece of this that I want to call out is that I did not catch this amount being credited backI had checked shortly after payment was due, the transaction showed it was deductedso it was not until around XX/XX/XXXX that my husband noticed the balance on our account was higher than it should have been. That is when I looked back at transactions and seen that it was credited back. This was several days later and I did not take screen shots because I never imagined I would be in this situation that I am now where a delinquency of no payment in over 30 days is being reported by Regions Mortgage even after I have spent countless hours explaining what transpired. I have attached a screen shot of the place that shows the electronic payments and you can see there for the XXXX payment there is nothing there that would indicate there was any problem. It looks just like all of the other successful payments. The XXXX payment does too but it did not come out electronically either. On or around XX/XX/XXXX is when my husband caught the balance being off and I immediately called to see what was going on and got online made payments for both XXXX and XXXX as one lump some payment. I explained what occurred to the Regions Mortgage representative when I called and went to my local Regions branch where everything was setup. They were not able to provide an explanation and recommended that I cancel the electronic setup and procced with a different kind of setup, I do not recall the proper term used but I signed a paper for the gentlemen to cancel and he asked that I come back once all the payment stuff cleared up as the account/transactions were in a state at that moment that would not allow him to do anything further. The Regions bank worker even seen on the transactions history that the money had been deducted and then credited back at a later date.
Other call outs that I would like to make note of.
XXXX that handled my escalated complaint said that their records show they made multiple attempts to contact me.
The day that XXXX called me to notify me that she had my complaint the phone was sitting right in front of me and it rang one time. One ring. No voicemail was left. That was it. Since I was expecting a call from Regions, I called the number back and it was XXXX answered. I explained why I was calling and she said it was her trying to contact me. I asked her why she only let it ring one time and she proceeded to explain that she does not dial the number on her end that Regions has an auto dialer and it must have only been setup for one ring. I explained my concerns around the one ring and can not help but to wonder if this is what Regions considers as attempting to contact me back in XXXX about not receiving my payment because they claim that they attempted to contact me multiple times. The money for the mortgage was sitting in the bank account. I set the account up with Regions Bank specifically in an attempt to make this a smooth process. This has been such an awful experience. When XXXX contacted me to notify me that my written complaint was denied and I asked why, she said that it was because there was no record that a payment was attempted in XXXX. I honestly dont have any other explanation than what all I have already explained to multiple people at Regions Mortgage and the one gentleman at the local office. Its been exhausting to continue to explain this and break it down. As someone who values integrity I am trusting that this complaint will eventually get in front of someone that stands for what is right and pulls back this delinquency that is being reported on my credit.
XXXXXXXX XXXX explanation when she replied to my complaint with Regions Mortgage was that there is no record of a payment everything attempting to be made. This system is failing. It was setup on auto-payment. I could see where it said it came out, it was a negative. I understand that there is no record of that now but that was certainly not the case as all this transpired. I was not being irresponsible. What is being reported and reflected on my credit score is not a fair reflection of how serious I take paying my bills timely.
See attached documents
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Starting in XXXX of XXXX Enerbank reported us as being 30 days past due on our home improvement loan. We have never in almost 2 years been late 30 days on a loan payment. This caused my husband and my credit scores to plummet XXXX points. When contacting EnerBank, for the first time about this issue which was on approximately XX/XX/XXXX, we were told we were correct that they could not find where we were 30 days late on a payment. We were encouraged to submit disputes to the credit bureaus and they would investigate on their end. Both credit bureaus XXXX and XXXX found in our favor on the disputes and our credit scores went back to normal. However approximately one month later Enerank AGAIN reported us as 30 days late and our credit scores plummeted once again. I called and EnerBankUSA on XX/XX/XXXX and reported the same information to them and once again they agreed that they could find nothing in our payment history that indicated we were 30 days late at any point in time. Again we submitted disputes to XXXX and XXXX. EnerBankUSA said they would investigate and get back to us. No one returned our call. I called Enerbank again on XX/XX/XXXX to find out what information if any they could provide since no one had ever called me back. Again I was told it would be escalated to a supervisor or manager and someone would get back to me. I trusted the process that someone would return the call. At this point in time once again XXXX returned the dispute in our favor and corrected our credit scores. XXXX however did not. I submitted a THIRD dispute to XXXX. On XX/XX/XXXX I contacted enter EnerBankUSA again trying to get a hold of someone to speak to. The customer service agent told me that someone again would be getting back to me from a supervisory position, that it was escalated so that it would be taken care of promptly. Again I was promised a call back by a supervisor, that finally happened on XX/XX/XXXX. I was assured by " XXXX '' that they had reviewed our account and found nowhere in our history that we had ever been 30 days late. We were advised us to wait until our third dispute with XXXX came back and if it was still not in our favor, to contact them again and they would handle it. Ironically later that same day the dispute came back and they did not find in our favor- or at least they found no new evidence provided to them by Enerbank that would make them change our credit scores back to normal. I contacted Enerbank once again to tell them this. Of note- each and every time I contact enterbank I spoke with a different customer service representative, and I have to repeat all of the information every single time from start to finish before they Place me on hold or tell me they can't do anything and they have to send the information to higher up to review and get back to me. Never am I able to be transferred to a supervisor, .or be given a direct line to a supervisor. I was told that credit information is updated the XXXX through the XXXX of the month, and that perhaps the information would be changed then for XXXX. However it is now XX/XX/XXXX and nothing has changed on our XXXX credit report I called Enerbank again on XX/XX/XXXX, where I got through immediately to a customer service representative, once again had to explain the entire situation to them. The customer service representative placed me on a hold so that she could escalate to a supervisor, and after 20 minutes on hold the call was disconnected. I immediately called back, waited on hold another 10 to 15 minutes where I got another regular customer service representative had to tell the tale from start to finish once again, only to be told that she would escalate it to a supervisor and that someone would be back in touch with me again in 24 hours. 48 hours past and no one got back with me. I also called XXXX who informed me that the only information they have is what Enerbank provides, and they can change nothing without EnerBankUSA 's input.
Today is XX/XX/XXXX. I called and Enerbank approximately XXXX XXXX I got through to a customer service representative and had to go through the entire Spiel once again. She immediately said she would put me on hold and review my case. After 15 minutes on hold the call disconnected completely. I called back got another customer service agent, had to explain the entire situation to her at which point in time she also put me on hold but luckily was back after 5 minutes, at which time she explained that it looks like someone was working on it and someone would get back to me. I interrupted her and told her that I was tired of people telling me someone was working on it in the day back with me because no one ever got back with me and that this has been going on for well over two months at this point. She assured me that someone would be back in touch with me tonight. Miracle of Miracles someone actually did call me back, over 2 hours later. Only to tell me, that they could not do anything about it tonight and that surprise surprise they would call me back.
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| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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This Concerns Regions Bank on both a personal and business account.
On XX/XX/XXXX at XXXXXXXX XXXX XXXX I received a text notice from Regions bank of possible fraud a wire transfer via XXXX XXXX to an unknown account was requesting wires of {$300.00}, {$300.00}, {$300.00} dollars. I logged into my region 's account to verify the fraud and saw them listed as pending. I then received confirmation codes to approve the wire I did not approve the wire or share the codes with anyone else. I then called and spoke with Regions fraud department and instructed them to freeze my account. I was told the account was locked however the wire transfers still went through. At XXXX XXXX I could not login to my account to check what was going on as the fraud department had locked out my access but did not lock the account from sending out funds. Friday, XX/XX/2022 I learned that more funds had disappeared from my business account associated with my personal account at Regions. Someone had wired {$61000.00} to a XXXX account. I further discovered at XXXXXXXX XXXX XXXX that my wife could still get into our account and I saw the wire transfers were sent even though I called and said they were fraud even though my account was supposed to be flagged and closed due to fraud. I then called electronic banking at Regions and told them what had happened and they said they froze my account they then transferred me to the fraud department and I again explained what had happened and asked the XXXX wires be listed as fraud and file a fraud report. Then the fraud department said my account was not frozen and did I want to freeze the account. I told them yes, I was mad because I had called and now spoken with XXXX representatives and my funds were still not safe. I was told to go to my local branch to close the account and open a new account. I said I would do that. On XX/XX/XXXX I had to go open an account at a separate bank and scrounge up whatever cash I had to pay bills that would now bounce due to the fraud it took me all day. On XX/XX/2022 at XXXX XXXX I went into Regions Branch and spoke with the representative and found out that my account was frozen however the wire transfers still went through I requested a copy of who authorized the transfers and she could not tell me. I filed complaints with her about all that had happened to that date. I then requested the balance of my funds to be able to pay my bills she said she could not as the account had been frozen and even the assistant manager came over and explained they had to submit a request for my funds and it could take days. I told them this was crazy that the person committing fraud could get to my funds and perform a wire transfer even though I had not ever set up wire transfer options or authorized the transfer. But I the rightful owner of my funds could not get to my funds when I requested them after providing all required proof of ID.
Due to the holiday of XXXXXXXX XXXX the XXXX was closed Friday. On XX/XX/2022 at XXXX XXXX I received a call saying that regions had released my funds. I then drove to retrieve my account balance. At XXXX XXXX I met with the region representative at the bank and requested my funds I asked if there was any update on my reports of fraud and the wire transfers with XXXX XXXX. She check online and told me that there were no Fraud reports showing on my personal account about the wire transfers. I then instructed her to please do so. I then asked her to file a complaint against the fraud department for having done so when I requested it back on XX/XX/XXXX. At this point, the level of incompetency with Region 's fraud prevention and service departments has not returned any of the funds they have not done as I the client and owner of the funds have requested on numerous times. I have not had any of my funds returned even though the business funds were found at XXXX XXXX by the XXXX XXXX. My personal fund have not been returned even though I confirmed they were fraud back on the XXXX, the XXXX, the XXXX, and the XXXX. I have late bills causing late fees totaling {$1200.00} so far. My business has no funds and I feel violated and that my rights are being overlooked for the bank 's own gain. If I did not authorize the transfer who did period? I have sat with the Regions bank staff and they can go onto my account and see I never established the ability to send funds via XXXX XXXX. To date, I have not received a copy of the authorization for any of the wire transfers even though I have requested them for both accounts. I was never contacted about the business funds being wired even though I have 2-point verification security on all my accounts And I was never charged the wire charge to transfer the funds. I believe Regions bank was hacked and they are not disclosing this to their clients. I am in insurance and financial services I can say further, the actions taken are not professional and in the client 's best interest.
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| 06/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX I requested to have PMI removed from my mortgage. I was told that I would need to provide documentation showing my home improvements and pay for a BPO. I made the payment for my BPO during the call and uploaded my home improvements, including comparables to the Region XXXX website. The documents were listed as recieved 2 days later. I was told the process would take up to 20 days The BPO Appraiser ( XXXX XXXX XXXX XXXX XXXX ) called me the next week and came out the same day to appraise my home. She was curt once she seen who the homeowner was. She rushed through my property and did not bother to add the finished basement which has a family room, a bedroom and an additional full bath to the value of the appraisal, although she took pictures of it all. She marked my square footage at XXXX which does not include renovations. Comparable MLS XXXX - located across the street from my property, is the same model same square feet with same squarefeet with finish basement, built the same year, home bought in XXXX for {$530000.00} sold for {$560000.00} XX/XX/XXXX. She gave my home a value of {$540000.00}. I believe this is redlining and she did so, once she saw the homeowner was XXXX. I can provide additional information on other comps selected.
XX/XX/XXXX - receive the appraisal and declination letter. I immediately contact the lender who states, why didn't you submit your receipts, I told them I submitted everything on XX/XX/XXXX the day I paid for the BPO. I was told to resubmit it. So I did on XX/XX/XXXX ( I have screenshots of documents submitted and noted as received ). I also expressed my concerns of redlining with the lender at that time with no response of follow up to my accusations.
XX/XX/XXXX - I uploaded all of my remodel receipts, XXXX comparables and letter of intent to dispute in PDF form XXXX I received a vm and a follow up email from XXXX XXXX stating that I needed to submit these documents via email to him. He told me the process would take up to 20 days XXXX - XXXX XXXX emailed me stating that the documents were submitted for review XX/XX/XXXX - I sent an email to XXXX XXXX asking about the status ( we are now 40 days into the total process and 2 and half weeks from the date of the dispute ). XXXX XXXX then told me that the documents needed to be in PDF form. ( PDF 's were submitted to Regions on XXXX and XX/XX/XXXX ). So I emailed him the PDF versions of the documents I emailed him on XXXX, same day XX/XX/XXXX - I reached out to XXXX XXXX to see if the items were received and he sent a unledgible message back stating ( this is quoted ) " I sent over what I could. The others would not allow me send them. I waiting to hear from them to see if everything I sent will be ok '' I responded letting him know that his message was unclear to which he responded back with " I sent the info with your dispute. including comps '' XXXX XXXX XXXX emailed me and said " letting you know I had to email the info to them and they got it and has been forwarded to next department '' - please not that this message came after he told me he had sent everything in XXXX 52 days in total ( 4 weeks since dispute *30 days ) I emailed XXXX XXXX asking for the status.
XX/XX/XXXX - XXXX XXXX responds to the email stating that it was still in process and I would receive a letter later that week.
XXXX - XXXX weeks into the process I receive a letter dated XX/XX/XXXX ( I have the letter and scanned it into Regions document center ) that the PMI had been removed from my mortgage.
XXXX - at XXXX pm I called Regions mortgage to ask if the PMI had been removed from my XXXX payment. I was told that PMI was paid in arrears and that I would have to make the PMI payment for XXXX. I told them about the letter dated XX/XX/XXXX and the told me tha the PMI was removed on XX/XX/XXXX. I let the team member know I would be filing a complaint about my experience XX/XX/XXXX - I made my mortgage payment including the PMI, I received a call from XXXX XXXX from Regions Bank asking about my complaint and I let him know what happened and when he began to challenge that, I let him know that I would be filing my complaint with the appropriate channel. XXXX did not mention that the PMI had been approved to be removed effective XX/XX/XXXX, on XX/XX/XXXX, or that it would not be paid to PMI compay.
XX/XX/XXXX - I received a letter from XXXX XXXX, Regions Bank. The letter states that on XX/XX/XXXX the PMI was provided approval for release to be effected XX/XX/XXXX. I was not made aware of this when I called in on XX/XX/XXXX. PMI for XXXX, collected in my XXXX payment, still is not reflected on my transaction history with Regions.
I believe this transaction was mishandled from day one. I was given the run around as to continue to make unnecessary PMI payments and the last payment collected was never even applied. I have been discrimminated against and redlined and want to go on record as stating so.
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| 02/14/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I contacted someone about a rental property on XX/XX/2019. The owner responded to me and asked for my credit score and any previous evictions. They then sent me a rental application form that I filled out. The form included my employer, birthday, and address. The owner said I was approved and set up a viewing for the property for XX/XX/2019. The next day, XX/XX/2019, they contacted me again saying there were competitors for the property and they wanted to give me a heads up and asked me to submit the deposit. They sent me a drivers license so I would feel secure submitting payment to them. I submitted a deposit for the rental along with pet fees via XXXX, a total of {$870.00}, and they said they were looking forward to meeting me at our scheduled showing. A few days later, on XX/XX/2019, they contacted me again saying they could not make it as their son was in a car accident. They then began asking me for first months rent for the property. I then went to the authorities on because I had a feeling I was being scammed. The criminal investigator informed me that it was fraud. The supposed owner had committed identity theft of the person from the drivers license and was soliciting someone elses property for money. When I informed them I had contacted the authorties and that I discovered it was fraud they would not refund my deposit and never contacted me again. I contacted Regions, my bank, MULTIPLE times about resolving the issue. They first told me they had no way of filing the issue as fraud even though the criminal investigator from the police department spoke with them and told them it was fraud. I asked to speak with a supervisor, and they then told me that they could file the issue as a merchant claim only. They said it wasnt considered fraud because I willingly submitted payment via XXXX. I responded by telling them I didnt willingly submit payment to have my money stolen, I submitted payment for a rental property that I did not receive to someone who had committed identity theft. Regions told me the only thing they could do is file the claim and have it sent to an investigator. I called to check on the claim twice. When I called the second time on XX/XX/2019, a supervisor informed me that I had been denied. I told them that they broadcast being the peoples bank and that they have fraud protection and claim to care about helping the people, but when I have an issue no one cares or wants to actually resolve anything. I told them that every time I called I had to repeat my story because it seemed like no one knew what I was talking about and that I was very upset with how I was being treated and brushed off like my issue wasnt important. That supervisor then told me she would make a few phone calls and would call me back within an hour. She called me back to let me know she turned the issue over to her supervisor, but would not allow me to have his telephone number to contact him. She said I had to contact him through her. She told me that they would call me with an update on Monday XX/XX/2019. They did not call me on Monday so I called and left a message. They returned my call Tuesday XX/XX/2019, and apologized that they were out of the office on the XXXX. The supervisor informed me that there was absolutely nothing they could do for me and that they would not be reimbursing my funds because they could not file it as fraud. I let them know that I was highly upset as the person who stole my money had committed identity theft and was soliciting someone elses property for money, which is definitely fraud. Like I said before, the criminal investigator at my local police department even told them that personally over the phone. I told them that anyone who is frauded willingly submits payment for something that is either the wrong product or falsified information. For example, I told them that when you buy something on XXXX and are frauded by a product that never arrives, was the wrong product, or was falsified XXXX will refund your money because that is considered fraud. The supervisor at Regions just apologized and said there was nothing else they could do to help me. I am HIGHLY upset about this issue. For a bank that claims to care so much about their customers, they sure didnt care to resolve my issue for me. I also contacted XXXX asking if they would be able to reimburse my funds and they told me that they could not because I used my mobile banking app with Regions to submit the payment. Even though I enter my information into XXXX, it is still solely through my bank and XXXX only protects my information. XXXX informed me that they do not keep any customers banking information or a record of any transactions that they are only able to see that the customer has an account with them. They told me that bank would have to resolve the issue for me. In both cases, I am very disappointed with the service I was given.
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| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On or about XXXX I open a checking account with regions Bank .The banker who underwrote the contract forged their signature onto my account signature card turning my account into a trust account and then fraudulently swapping me the owner to be a minor or to an incompetent position of the trust thus fraudulently transferring securities that were supposed to be allowed to me as the beneficiary /owner and Investor of the account to another Private or Secret account the bank holds or knows about.This is a grave violation of both US Code Title 18 Section 1348 and 15 US Code 689 Unlawful acts and commissions ; breach of Fiduciary duty, when supervising government Securities. On the above set date XXXX witness regions banker XXXX XXXX XXXX Id : XXXX forged her signature to my account signature card thus creating a trust account and mislocating the allotted securities for this account. No one is supposed to put their name on my property except for me, not a person that I don't know or trust that works in a bank claiming false ownership and control over the account This is a violation of XXXX federal laws. After she forged her name on to my account signature card I witness her place the paper under a stack of papers on her desk in order to conceal it from my eye site so that I would not notice.So then I asked for a copy of my signature card to examine the documents and she only gave me a automated copy from here computer but I noticed that the original was still sitting in front of me under a stack of papers which made me wonder how could she go into the computer and print out something that's sitting right here in front of me? Not to mention the information on the paper that she printed out had information that I never given the bank, there is a phone number that I had 5 years ago that I never gave regions.How did they invade my privacy as well without my signature or permissible consent? The information that I placed on the original document, with my signature and her signature she kept and filed with the bank manager, thus turning my bank account into a trust account and making me the holder a minor by deceit and without my permission and misappropriating all of the funds and securities that's what's supposed to be allowed to me so that I would not have to suffer from indigency do to the Emergency Banking Act my account never received my credit signature card or my line of credit from being an investor to this bank and they stole my securities and along with the government securities and misappropriated all of my funds, is this miss conduct when the bank manager is watching the banker and acknowledged her by nodding his head and looking in the same direction on the day of the transaction. May I give notice that the bank manager can see all transactions going on at every banker 's computer via remote control and Bank private access they witnessed the banker still the securities that I allotted for and did nothing I would like remedy all rents due all monies due all credits due all insurance premiums due and an audit of the account. There is no one other than myself over the account but yet the banker placed herself over the account without my permission and this initiates a conflict of interest and then not stopping there XXXX issues me misleading information as the account signature card form is incomplete that she'd giving me because it has blank balance blank interest rate and blank annual percentage rate yield when the one that I originally signed had blue ink and numbers on. this is fraud, I am in financial shock please someone help! This bank and banker stole securities from the government and made false claims and reports to the Federal Reserve, FDIC, Sec, IRS This was not allowed please help I have all documents showing fraud in this Bank I never signed the actual paper or clicked a actual system on the computer that gave authorization for the social security number administration to disclose my social security number verification this is fraud my name in all CAP is placed on this paper without my permission consent and my signature is no where on this paper I withdraw their permission they never and they never gained my permission for authorization for automatic payroll deposits that I have not been accounted for they do not have my permission to place my name and their name on my belongings this is fraud I have all supporting documentation They should be charged with XXXX and federally indicted for security fraud amongst other federal charges please handle this matter as soon as possible for I am left without any finances to survive and being deprived and discriminated against. I am in financial shock from the actions and damages of this Supervisory FDIC insured Bank. All attachments are in support and evidence of this claim. Please correct the Account and keep it open to for my privacy
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| 03/15/2018 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I bought a SUV in late XX/XX/2018. Dealer stated the bank would send me the information and payment information in the mail. On XX/XX/2018 at XXXX, I received a phone call from ( XXXX ) XXXX. I didn't think much about it, scammers and law breakers call me on couple to - few times a week. I will block their numbers and forget about. The next day I was at work, and I punched ( XXXX ) XXXX in to XXXX and Call Note indicated it was XXXX XXXX XXXX ( possibly ). I thought " this is interesting, I am still waiting for the SUV paperwork to arrive ( I was told in a few weeks ), this is the sixth week.
I wrote an email to the dealer explaining that I received a possible collection attempt from Regions, and this may be a coincidence, but I have not received any paperwork ( as stated ) yet. I was unaware that I didn ; t send this email, but was still open on my computer, I did send it today, XX/XX/2018 after the call I answered from ( XXXX ) XXXX. It was Regions Bank, told me I was going to collections ; my credit would be damaged. I explained that I never received the paperwork from any bank regarding the SUV. I didn't even know which bank loaned me the money. I expected for Regions to acknowledge the situation and make it right, or at least send me ( email ) the paperwork so I could set up auto pay from one - of the many banks - I use. She then tried to get me to pay her over the phone. This is when the fun began. I informed her that I have no idea who she is, or what scam she is trying to pull. I informed her that If she is indeed with Regions, then Regions appears to be engaged in some kind of scam defrauding innocence people ( at least in my case ) of their hard earned money. I then informed her that XXXX XXXX was recently busted doing something similar. She then began with Regions sent me the paperwork. I informed her that I never received it and do not appreciate being disrespected as some non-paying, jack-legged criminal. I told her I am a hard working U.S. American and have money to pay my bills, I then let out a big Oh Yeah - I have lots O ' money to pay my bills!!! I then proceeded to tell her that Regions needs to fix it business practices, for starters Regions could leave a voice mail explaining that I am about to miss my first payment ( even though there was nothing I could do to prevent this situation - short of Clairvoyance ), or even email me : The SUV dealer and Regions has my phone & email address. This is not acceptable business practice. Like I said - I pay my bills, I have a lot to show for my hard work over the years. My future is very bright. I am an exceptional XXXX XXXX. I informed her that there is an issue with mail theft here in America. I have been a victim. Evidently based on what Region 's is claiming, I am a victim again. There will be a mail theft report to the USPS over this, as well as to the local law enforcement office. There are some " future short legged prison resident '' cruising these roads. A neighbor has reported to me in the past, that they witnessed one of these " a short legged future prison resident ''. They even went on to state that there mother had even trained them to steal mail, looking for bank information/checks, etc - no body works at that house ... .. According to my wife, XXXX XXXX has had to quit sending checks, enticing people ( their clients ) to cash them from money, because criminal were stealing them from mail boxes and forging them ...
Anyway I am not impressed with this behavior from Regions bank, I even call Regions around XXXX today to see if this was all legit. The agent would not give me her last name, and was testing me to see if I would slip up and give her some information about the loan. I informed that one that I have not received anything from Region 's and I did not even know which bank the SUV dealer used until today!!! Of course the cat was out of the bag at work, I have XXXX of those voices that carries. I has some " explaining '' to do tomorrow at work. Of course they are not surprised, it is not the first time I have had to defend my good name against the corrupt corporate type ... I asked her if, since now I have determined this situation is pseudo-legit, I could pay with a couple of financial services option - She stated Regions did not accept them. She said I could give her my banking information and she could get it from my account. I told her to email me the payment information, and I would setup an autonomous pay system I use for my properties, vehicles etc. Why is it so hard for Regions to save a member some time? Anyway she informed me if this is not paid by Sunday - Legal action will be taken.
I welcome it - if Region 's will not lift a finger to help me resolve this situation - I AM the VICTIM here! Victim of criminals.The story needs to be heard. Acct # XXXX
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| 12/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Due Hurricane Irma, we were offered help by XXXX XXXX and XXXX XXXX under a campaign called " Forbearance '', which offered 90 days of grace, in which we, clients from the affected areas did not have to pay the mortgage ( with no negative consequences ), and the payments were deferred to the end of the mortgage term in order to let us use that money to repair our houses.
On XX/XX/XXXX, we received confirmation from XXXX XXXX that we were included in the Forbearance plan for 90 days : " If you are unable to make your mortgage payment, this will give you more time to focus on your immediate needs for 90 days and at the end of the 90 days Regions will work with you to determine what other options are available ; such as, repayment plan, additional forbearance, or a modification of the loan and spread of the payments over the life of the loan. Please know that we have already coded your loan so that late charges will not be assessed for your XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. Additionally, negative credit will not be reported for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments should the payments be delayed. '' On XX/XX/XXXX, less than 30 days after the offer, we received a letter requesting us to fill up a Uniform Borrower Assistance Form. Few days later, we started receiving calls ( aggressive calls ) from the bank requesting us as mandatory to return the form and update our financial information in order to proceed with a re-financing process, even when there were more than 60 days of the Forbearance period. I requested many times to Regions the option of Disaster Modification and it was denied to us with no explanations.
We contacted XXXX XXXX, and they confirmed us that we did not have to fill up the form and we have the right to receive a Disaster Modification in our mortgage without filling any form. We opened a case with XXXX XXXX and they offered to help us with our problem.
On XX/XX/XXXX, we received a letter from the bank asking us to contact them in order to figure out what to do after the 90 days of Forbearance ( XX/XX/XXXX ), but two days later, on XX/XX/XXXX, over 20 days before ( not after ) the Forbearance period ended, we receive a letter from XXXX XXXX saying : " This letter is formal notice by Regions Bank that you are in default under the terms of the documents creating and securing your Loan described above, including the Note of Deed of Trust/Mortgage/Security Deed ( " Security Instrument '' ), for failure to pay amounts due. ". After that day, I could not sleep or eat and my family and I have been living in the unbearable stress of losing our home.
On XX/XX/XXXX, we received a letter from XXXX XXXX saying : " XXXX XXXX is the owner of your mortgage, and your servicer REGIONS BANK DBA XXXX XXXX notified us that you payment is late and you might go to foreclosure. '' Please, notice that we have been receiving letters taking about default and foreclosure over 20 days before the Forbearance period ended.
I do n't not how to describe the way my family and I were treated, the feeling, fears, confusion and disappointment. We accepted the plan as help and we feel that it was just a trap to take our home from us.
After a long fight, we finally got XXXX XXXX to honor his word and pushed Regions to let us offer the disaster modification, but then again, Regions started to play tricks with us. First, they send us a loan modification with 40 years of maturity where instead of the actual payment of US {$3700.00} we would be paying US {$3300.00} ; that means, that we would be paying only XXXX {$310.00} less but for the loan would be extended another 10 years. We rejected this offer because was unfair, did not make any financial sense and it was n't even close of what they offered us on XX/XX/XXXX.
On XXXX XXXX, we received another letter saying that at this point, we had two options to avoid foreclosure : accept the 40 years modification or leave our home ( based on a short sale ).
After a new round of calls with XXXX XXXX and Regions, on XX/XX/XXXX, the last day of the Forbearance period, we received a new offer for the disaster modification in a very confusing, erratic and vague document. We tried to contact Regions almost every day, in order to get answers and details of the offer but always got their voicemail and never a call or answer back.
Finally, on XX/XX/XXXX, afraid of losing our house because the aggressive attitude of XXXX XXXX, we paid off Regions the amount of US {$14000.00}, the money we had saved to fix the damages caused by Hurricane Irma to our house.
The whole Forbearance plan was twisted and used by Regions Bank to force us to pay the whole amount or push us to a foreclosure. Whatever was designed to help people like us, became as a punishment and nightmare.
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| 08/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I went to the XXXX branch of Regions Bank and asked what we owed on a XXXX XXXX truck. XXXX XXXX printed out a Loan Calculator with Extra Payments which showed our ending balance to be {$42000.00}. He checked the XXXX XXXX for resell value and told me we were $ XXXX {$12000.00} upside down on the loan. I took the information provided to be correct and did not question the banker. At first I kept the news to myself. Eventually I spoke with friends, relatives and financial advisors regarding the issue. The resounding resolution appeared to be letting the truck be repossessed. This was a devastating thought. At my wits end, I finally informed my husband of the situation. At that point, we went to the XXXX office to discuss the problem. We did not have an appointment. We were directed to the drive-thru. The account was never found and no resolution was provided. We made an appointment to talk with XXXX at the XXXX branch at XXXX XX/XX/XXXX. That appointment was canceled via an email saying I had canceled the appointment, which I did not. The appointment was actually canceled by the bank due to the branch being closed after an employee tested positive for Covid 19. After being on hold for over 30 minutes to reschedule the line was disconnected. After a 37 minute wait I was told the cancellation was due to the XXXX branch being closed due to Covid 19. I realize the stress Covid 19 has put on businesses, however sending an email stating a customer canceled an appointment when in fact the cancellation was not at customer request is unacceptable. Just another red flag causing our faith in quality and competent customer service from Regions to be doubted. An appointment was made at the XXXX XXXX location for XXXX XX/XX/XXXX. XXXX assisted us to the best of his ability. Since there was no management on site we left still disillusioned, disappointed, and discouraged. We asked XXXX to provide us with the contact information for Bank Examiner. He was unable to locate such information. XXXX XXXX XXXX was called on Tuesday, XX/XX/XXXX after our Friday meeting with XXXX. She asked questions and tried to make sense of the situation. Several days later we were told the XXXX branch would need to handle the issue since the misinformation was provided through them. XXXX XXXX called XX/XX/XXXX to begin the investigation. An appointment was made and kept with XXXX XXXX at XXXX XX/XX/XXXX. An email was sent to XXXX XXXX XX/XX/XXXX with the following information to facilitate Regions in being knowledgeable of the incident and our expectation. " We experienced undue pain and suffering from being told we owed several thousand dollars more than we actually did. We would like for Regions to take responsibility for this miscalculation in the form of authorizing a new loan with zero interest. The purpose for our meeting on Thursday is to discuss the situation, our request, and Regions resolution. Please contact me if you have questions or concerns before the meeting. When we leave the meeting an agreement for compensation needs to be agreed upon, and/or Bank XXXX contact information provided. '' The email was never acknowledged or answered. When we left XXXX XXXX ' office XX/XX/XXXX she assured us her supervisor, XXXX XXXX would be in contact. She said she would file a complaint with Regions regarding the misrepresentation of loan balance. To date our requests for copies of complaint has been ignored. XXXX XXXX did call today XX/XX/XXXX at XXXX. During the span of the 19 minute phone call Mr. XXXX mispronounced our name even after being corrected several times. Mr. XXXX questioned my " common sense '' and " prudence '' since I did not question the information provided by the Regions banker, XXXX XXXX. He asked what resolution we were seeking. He stated that no restitution was in order for the situation when I said we felt the loan should be refinanced at zero percent to compensate for the anquish caused by misrepresentation of Regions employee. At this point, I made the declaration that not once had anyone from Regions apologized for the inaccurate information provided. Mr. XXXX then offered his apologies for any wrong information received. He said he would be in contact before the close of business XX/XX/XXXX with information on updated loan statements. I had asked for a contact to report the misrepresentation from the XXXX XXXX and XXXX branches of Regions. Neither branch was able to provide requested contact information. Mr. XXXX told me to contact Consumer Financial Protection Board. I am trusting that Consumer Financial Protection Bureau will consider the incident and provide a report accordingly. Thanks in advance for your assistance. XXXX XXXX
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| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Hello- Our property address is : XXXX XXXX XXXX XXXX.
XXXX, Al XXXX And our loan is serviced by Regions and is loan number : XXXX My loan is owned by Fannie Mae and serviced by Regions. We entered a forbearance plan in XX/XX/XXXX with Regions, and in XX/XX/XXXX indicated we could begin making our normal mortgage payments again, but due to XXXX and also Hurricane Sally which we were greatly impacted by in XX/XX/XXXX, we could not repay the full amount, but would like a repayment plan or payment deferral option. The only option that Regions is giving us at this time is to repay the full amount due. We made our normal mortgage payment XXXX, XXXX and then again in XXXX, however, they returned the XXXX payment and indicated that we needed to pay the full amount due in order to prevent foreclosure proceedings. I dont feel like that is correct given what I have read on Fannie Maes website. We would like to resume our normal mortgage payments and would like to determine our options for either a repayment plan or payment deferral options.
The only option weve been offered by Regions was to complete a modification package, which was not approved, and to pay the full amount due or they will begin foreclosure proceedings. As you will see in the attachments, I received a letter today, XX/XX/XXXX, that was shipped via XXXX on XX/XX/XXXX informing me that the full past-due amount has to be paid by XX/XX/XXXX or Regions will begin foreclosure proceedings.
My first concern is that the letter states we must bring our mortgage current no later than XX/XX/XXXX. However, I just received this letter today, XX/XX/XXXX and it clearly states on the XXXX shipping label the letter was sent on XX/XX/XXXX. Also, I received a different letter dated XX/XX/XXXX that stated Regions would not make notice or filing to commence foreclosure before evaluating the complete application AND allowing me reasonable time to respond.
I understand we are not able to complete a modification. All I want to do is come up with a payment plan to get the mortgage current from the forbearance period. I am able to make payments now, but I cant pay the full lump sum back at one time and I cant travel back in time to do it by XX/XX/XXXX, especially when I received the first notice and status of our hardship application today, XX/XX/XXXX.
This seems very unfair and unfortunate that a family that was experiencing hardship, but is able to resume payments now and pay extra each month to make up the forbearance amount is now being threatened with foreclosure because we cant pay the full amount owed with literally no notice.
I have made all of our payments in XXXX, however Regions sent back the XXXX payment. I would like to pay the XXXX payment again, as well as the XXXX payment and set up a plan to repay the forbearance amount over a period of time. I am not trying to get out of the payment and I dont feel like anyone is trying to work with me.
I started requesting a repayment plan in XX/XX/XXXX and have documented all communication. Here is a snapshot of what Ive been told, but never once was I ever offered the option to establish a repayment plan : deferral option.
XXXX XXXX : XXXX XXXX, borrower, sent first message to follow-up on the Covid-19 forbearance re-payment options, specifically to find out if we are eligible for the Fannie Mae payment deferral option since we do have a Fannie Mae loan.
XXXX XXXX XXXX, Regions, replied to request stating : Also for the payment deferral request, I will submit a request to have your account reviewed. If you are unable to do the payment deferral option, we have other options to assist. It typically takes about a week to get a response back.
This was the last message I received from anyone at Regions. I was expecting an update based on the above statement that a request was made for my account to be reviewed and it Normally took a week to get an update.
I followed up again on XXXX XXXX and XXXX XXXX to find out if there was an update or if anything was needed from me to complete the request.
I did not hear back from Regions for weeks, but finally was told to submit a modification packet, which I did and this brings me today when I receive a letter stating it was denied, full amount was due XX/XX/XXXX, despite the servicer not sending the notice until XX/XX/XXXX according to the XXXX shipment, or they will begin foreclosure proceedings.
Our property address is : XXXX XXXX XXXX XXXX.
XXXX, Al XXXX And our loan is serviced by Regions and is loan number : XXXX
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| 02/21/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened an account with Regions Bank due to a promo received in the mail. The account was funded & created online with the offer code & link given via promo card ; XX/XX/XXXX.
Documentation of the offer/promo received was requested by one of the phone support representatives to verify its terms & conditions. I emailed the copy of the document on XX/XX/XXXX. I did not review any communication on this request ticket to clarify any information. Due to this, I called customer support on my own accord.
I called to verify all the details & the date required to complete the 10 transactions within the 30 day window of opening the account. I was advised the transactions needed to be completed by XX/XX/XXXX. I made several transactions to complete this step from XX/XX/XXXX-XX/XX/XXXX. Thereafter, I called to confirm the requirement was met. I was advised it was completed within the allotted time frame & online statements were active. Furthermore, I needed to await the allotted time to past until the promo would be granted on my account ( 120 days from the date of the 10 posted visa check card transactions ). In addition, I was advised there would be a {$5.00} min monthly fee & the account could not be in a negative status when the credit was applied. I was told I needed a direct deposit, however, the XXXX account selected does not require this nor does the promo offer terms & conditions specify such requirement.
Ive been in contact with Regions numerous times since this account was opened to verify information & clarify on any questions Ive had due to the inconsistency of information received. The communication is always unclear and Regions holds no accountability for their employees lack of professional, false information given, or lack of due diligence with carrying out account communication.
As of now, Im curious to why I have not received the {$400.00} bonus that was applied for. I would love to get clear communication on this topic since Ive been actively communicating along the way to assure there was no hiccups with this.
I attempted to resolve this matter & others related to this circumstance with Regions Bank directly. Unfortunately, those attempts have been unsuccessful. In addition, I called for the dates Ive called Regions concerning this very matter over the last few months & was advised I could not get the dates of my previous calls without a subpoena. I was advised Im not granted access to this information on my own account based on current Regions Bank policy. This information was advised on XX/XX/XXXX from a supervisor of their phone support team. I was advised to go into a local branch to resolve my matter & I couldnt speak with anyone who handles the promo/marketing despite speaking with them in previous months to review this offer.
Ive filed a formal complaint with a Regions Bank directly on 2 previous occasions ; one for a supervisor hanging up on me after asking about how to have a call reviewed & for failure to honor this promotion. There has been no outreach to address or rectify either concern on their behalf. The only outreach has been from me reaching out to follow up on unfulfilled promises.
The information presented in this complaint can be substantiated by the recorded phone calls Ive made to customer support over the past few months since on XX/XX/XXXX ( account created ).
Ive requested for a ticket to be submitted previously to research the details of my account however no communication of any findings were received. The only indication of the ticket was the original email advising one was created but no outcome or follow up carried out.
I have attached documents to reflect the validity of this situation. The 3 requirements were : 1. Register an account with the offer code & link provided.
2. Open a XXXX Checking account by XX/XX/XXXX.
3. Enroll in online statements & use the visa check card for XXXX or more purchases within 30 days of opening the account.
-The account opening confirmation is attached reflecting XX/XX/XXXX.
-Online paperless statement email reflects compliance as of XX/XX/XXXX.
-Statements with the XXXX account title including usage of the visa check card for 10+ transactions by XX/XX/XXXX ( the cut off date provided by support ) At this point, I just want the bonus that was advertised based on the requirement met. Thereafter, I would like to discontinue any further business relations with Regions Bank due to their lack of accountability, transparency, & professionalism.
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| 01/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Our company XXXX XXXXXXXX XXXX had an account with XXXX XXXX for the year of XXXX. Since we had the card every month we noticed different charges to our statements. Between XXXX and XXXX we noticed that a {$95.00} admistrative fee had been accessed to our account every two weeks. Our contract stated that as long as we paid our bill in full and on time before the due date we would not be accessed any fees. We noticed in the disclaimer that {$10.00} can be accessed to our account each billing statement. This admistrative fee could not exceed {$10.00}. When I called, the supervisor agreed with our accessment and settled the complaint with a settlement that no fees be added to our account for the remainder of the year.
On XXXX XXXX, XXXX I noticed a late fee of {$610.00} was on our statement. This is a fuel/maintenace card in which we spend about {$5000.00} each month on fuel/maintenance so our balance is usually high each billing cycle. {$600.00} can go unnoticed if we didnt pay attention to the statements. We pay our bill online via XXXX XXXX 's website. When prompted we are warned that once we press " initiate payment '' we are agreeing that payment in full will be deducted from our account. At that time entering a different amount was not an option. Our bill is due each month on the XXXX and we have always paid the bill on time and in full. So when I spoke with a supervisor in XXXX, he stated that their computer system did not recognize the XXXX dollar cents in their software that particular month. In turn he reversed the charges and advised that I pay the full amount without the late fee. His resolution was to promise that no fees will be added to our account for the remainder of the year. I reminded him that this was already in place.
On XXXX XXXX and XXXX I called XXXX XXXX to ask why my payment has not posted from my bank account. The young lady I spoke with assured me that the payment must be in processing.
On XXXX XXXX I attempted to pay my bill and noticed a {$610.00} late fee was charged to our account. I immediately called and spoke with a supervisor named XXXX. XXXX was very rude and short with me. I tried to explain to XXXX that I know what the mistake is but, he refused to listen and he refused to look into my account dated for XXXX.
Upon futher investigation I noticed that on XXXX XXXX a day before our payment due date {$610.00} was electronically deducted from our bank account. This was the same day I called and inquired why my payment was not posted. So at this point it seemed as if the {$610.00} was a late fee but, why was it deducted the day before our due date and who authorized this payment. Secondly if they withdrew the late fee why am I being charged again for the XXXX bill?
Therfore, I called XXXX XXXX and requested a phone number and address of the corporate office. I spoke with three agents this day in XXXX and to no avail. I was transferred each time only to be told that customer service is the only department I could speak with because there is no corporate office or department that I could contact.
Finally, I spoke with an agent who said that she could take my complaint but, there will be no where to send the complaint. She basically said that she could take all my information and write the complaint and it will just sit dormant.
So on XXXX XXXX I spoke with an agent at XXXX XXXX whose name was XXXX. XXXX took the time to go over my account and said that a partial payment was made in XXXX XXXX. I asked blue to do the math with me and when she deducted the late amount she realized that it equaled the amount submitted which in turn confirmed that I spoke with a supervisor who advised me to pay that amount minus the late fee. I am baffled that she can not see in my account to verify what I was telling her was true. I asked XXXX to repeat my due date ( XXXX ) then look at the previous month 's payment and date. That bill was paid in full on the XXXX. XXXX stated that she would dismiss XXXX late fee after she took the time to see the error. At this point I asked her to please provide me with details of why and who authorized XXXX XXXX to electronically withdraw {$610.00} from our account a day before the due date. I was placed on hold for awhile before she returned and said that she could not see details for this withdrawal and a supervisor will be contacting me shortly.
As of the date of this complaint XXXX XXXX has not contacted our company in regards to these charges and the unauthorized withdrawal.
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| 05/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Regions Bank put a hold on ( 3 ) settlement checks that were [ Cashiers Checks ] on XX/XX/2021 to date.
The ( 3 ) settlement checks deposited on XXXXwere [ Cashiers Checks ] and no hold should be placed on Cashiers Checks ] accordingly to other Banks. Its against the law to put a hold on Cashier Checks and hold them without just cause. Regions Bank willfully did not accept XXXX XXXX XXXX Durable Power of Attorney/UPOAA pursuant to Georgia Law XXXX Region declared fraud, irregularity and finally admitted Regions Bank will not accept XXXX XXXX XXXX Durable Power of Attorney/UPOAA.
Region Bank did not send the Cashiers Checks ] back to XXXX XXXX XXXX once Regions refused to accept XXXX XXXX XXXX Durable Power of Attorney/UPOAA pursuant to Georgia Law XXXX Regions froze all XXXX XXXX XXXX accounts, Personal and Business without notice, holding all his funds. XXXX XXXX XXXX debit cards was cancelled and could not be used to purchase anything.
XXXX XXXX XXXX admitted to Regions Bank he has Durable Power of Attorney XXXX as agent for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX pursuant to Georgia Law before depositing the ( 3 ) settlement checks that were [ Cashiers Checks ] on XX/XX/2021.
Regions Bank did not admit anything was fraudulent, irregular and Regions Bank would not accept the Durable Power of Attorney XXXX as agent for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX at all while the XXXX XXXX XXXX was making the deposit into his personal account as agent and made the deposit into his personal account that day.
XXXX XXXX XXXX has cooperated and complied with all Regions Banks requests to resolve this matter without any success. Regions Bank continues to hold two ( 2 ) settlement checks that are [ Cashiers Checks.
CONCLUSION Regions Bank willfully accepted the ( 3 ) settlement checks [ Cashiers Checks ] from the XXXX XXXX XXXX and deposit the ( 3 ) settlement checks [ Cashiers Checks ] into XXXX XXXX XXXX personal account because there were no known irregularities or fraud to prevent the deposit. Regions Bank did not indicate at that time during the deposit of any irregularity or fraud that would prevent XXXX XXXX XXXX from making the deposit as agent. The deposit taken five ( 5 ) minutes or more without any mention of any irregularities or fraud by Regions Bank. Regions Bank was made aware that it was ( 3 ) settlement checks [ Cashiers Checks ] in the amount of {$5500.00} each being deposited into XXXX XXXX XXXX personal account as agent for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Regions Bank admitted that the first {$5500.00} would be available after midnight, XX/XX/2021. And the balance would be on hold for XXXX ( XXXX ) days due to the amount. Regions Bank was very aware that the checks were ( 3 ) settlement checks [ Cashiers Checks ] and continued with depositing the ( 3 ) settlement checks [ Cashiers Checks ] into the XXXX XXXX XXXX personal account. XXXX XXXX XXXX admits that Regions Bank was aware that XXXX XXXX XXXX had Durable Power of Attorney as agent that day, XX/XX/2021 to act accordingly pursuant to Georgia Law, under the UPOAA,. The Durable Power of Attorney [ UPOAA ] is in accordance with Georgia Law, and Regions Bank was made aware and admitted it was ok to make the actual deposit that day XX/XX/2021.
The ( 3 ) settlement checks [ Cashiers Checks ] were properly endorsed in accordance with the Durable Power of Attorney/ Statutory Form Power of Attorney under the UPOAA, and verified by Regions Bank that day XX/XX/2021. Now, Regions Bank has alleged fraud and irregularities to justify. Regions Bank to put a hold on the ( 3 ) settlement checks that are [ Cashiers Checks ] Regions Bank has violated Federal Law and State Law by refusing to accept the Durable Power of Attorney/ Statutory Form Power of Attorney under the UPOAA XXXX after receiving all legal documents from XXXX XXXX XXXX to allow Regions to release the funds or send the ( 3 ) settlement checks [ Cashiers Checks ] back to XXXX XXXX XXXX XXXX
Actions taken by my : I provide all legal documents as requested from Regions Bank.
Actions taken by Regions : Regions Bank alleged fraud, irregularities and not release the {$11000.00} to date. Regions froze my personal and business account and have not unfrozen then stating they are still investigating. This has been going on since XXXX Contact Person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regions Bank XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX : XXXX XXXX
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| 11/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I called Regions customer service because they locked my account for an unknown reason on XX/XX/2022. They unlocked my account and proceeded to extend an offer for a personal loan in the amount of {$6000.00} that would not cost anything the first year. The person offering the loan told me on the recorded line repeatedly that this does not cost anything unless I use the loan and do not make a payment on time. I explained I did not need a loan and he assured me that this was of no cost to me and would just be there for a back up. I agreed, and he then told me he needed to attach it to my checking. I asked if I could not have it attached to my checking because I did not want this money mixed with my checking account that I use for spending. I told him since, like he said, this would just be a backup and I have no intention of even using, I rather it be attached to savings if it must be attached. He said I could move the money wherever I choose with no problem. After agreeing to this, I check my account and everything looks just as described. Days later, I started receiving unknown calls coming through as scam-likely multiple times a day with some including voicemails saying they are with Regions to collect a debt and would give a different number from which they called to return their call. I called Regions customer service directly, on XX/XX/2022 at XXXX and spoke with a representative on a recorded line to check my account, explaining I was receiving multiple calls daily for over a month from people saying they are with Regions. They assured me everything was good with my checking and savings account, as well as the loan. I specifically told the representative it was shortly after agreed to this loan that I started receiving calls, and gave them one of the numbers I was receiving calls from. She told me it was likely scam and advised me to not answer these calls, as well as assured again that my account was good. XX/XX/2022 I went to my Regions app, and checked my accounts. I, for the first time clicked on the {$6000.00} loan which showed up on the app as still {$6000.00} that I never used. When I clicked on it, I saw all of these interest and late fee charges. I went to my bank and they explained to me that when the person who offered the loan attached it to my checking account, it charged me an interest charge of {$6.00}. Since the person who offered me this loan on the recorded line assured me multiple times this would not cost anything if I do not use and he himself attached this to my account assuring it did not matter where I move this money as long as I do not use or miss a payment. So, I was charged {$6.00} interest I believe, when he attached this to my account after being told there would be no charge for this on the recorded line many times. As this account continuously showed up as {$6000.00} and I never used, I had no idea I was being charged and that the scam calls saying they were from Regions were in fact from Regions. I was lied to by the person who gave me this loan, and lied to again by Regions customer service stating that there was no issue with any of my accounts and to ignore these calls. For months, I was unknowingly charged interest and late fees on this loan I never used. My banker at Regions said that he would work on fixing this for me, and I had him give the XXXX loan back from my account. The rest of the charges were from the initial {$6.00} interest charged I should not have been charged because I did not attach this to my checking and assured that I could move the money from checking to savings with no problem or charge. Regions said they were working on resolving this but in the meantime I am still seeing interest and late fees on the loan account from them so I made another appointment with my bank. The second time, they were able to get some of the charges taken off but not all and explained there was nothing more they could do. I would have to call Regions loan department to sort this out from here. I called the loan department several times this past month, and spoke with several supervisors, assuring me they all had filed a complaint and this matter was being investigated, they filed a credit dispute as well as the last supervisor assuring me she filed a credit dispute for this to be reversed on my credit on XX/XX/2022. It is now XX/XX/2022 and I have received no call back or resolution on this matter that has greatly taken a toll on my credit score, because of their mistakes.
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| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Servicemember |
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On XX/XX/XXXX my husband was balancing our checkbook and noticed two pending charges to XXXX XXXX that we did not make. One for {$120.00} made on XX/XX/XXXX and another for {$310.00} made on XX/XX/XXXX. Because it was on my debit card he called and verified with me that I had not made the purchase. At that time he called Regions bank. He was told two things, first that although we are joint account holders he was not able to call about this matter because it was involving my debit card and secondly he could not dispute a charge that was pending. ( This is my first point of frustration that we were told to sit and wait until the charge had gone all the way through BEFORE we could dispute the matter. ) After the first charge of {$120.00} cleared I called and immediately disputed the charge, after the second charge of {$310.00} cleared I called immediately again to dispute this charge. The bank initially refunded my account but sent a letter explaining that they would investigate the situation and then make a finial decision. I heard nothing for several weeks. On XX/XX/XXXX I checked the mail and found a letter from Regions stating that they had completed their investigation and had evidence that I either made the purchase or had received merchandise from the purchase, and Regions would be debiting {$310.00} from my account on XX/XX/XXXX. Due to the weekend and XXXX day I was not able to get to the bank until XX/XX/XXXX. The lady at the bank was able to show me the supporting documents that the bank used in making it decision. XXXX XXXX had a receipt from an online purchase that had been made using my name and address, and my debit card number. The email address was not correct and the merchandise was sent to another state. Besides the fact that I did not make and/or authorize the purchase the really confusing part is that the document they had was for the {$120.00} amount ( which they did not debit from my account a second time ) but instead they debited the larger amount of {$310.00}. So, if their claim was that the document supported their right to take funds, it should have not been for the {$310.00} amount but instead for the amount show on their supporting document. While I was at the bank I was wanting to talk to someone in their fraud department. The woman at the bank dialed the number and put it on speaker phone in which we waiting over 1.5hrs and NEVER got anyone to answer the phone. The called was never picked up and then the call just stopped ( we never hung up, it just stopped with the waiting music, rang once and hung up ). The bank lady put in a " ticket '' which reopened the fraud claim. I also wrote a letter explaining that I did not make or authorize either transaction. Leaving the bank 3 hours later with no resolve and not being able to speak to anyone who had any authority to do anything was frustrating to say the least. I therefore went to the police department and filed an incident report on the matter of someone using my card fraudulently. On XX/XX/XXXX after hearing nothing back I called the number that was on the bottom of the last letter I got. I sat on hold for 15 minutes before anyone took my call, I gave the lady my information and she put me on hold again and then ( I am assuming it was by accident ) she hung up on me. I called back and finally was able to communicate with someone, she basically told me that the claim had been reopened and that someone in the fraud department would review my claim and let me know their final decision. I received a letter on XX/XX/XXXX again saying they have determined not to provide any credit to my account in the amount of {$120.00}. However they have never taken that amount out of my account. Things are not adding up.
In conclusion : 1. I never purchased nor authorized the purchases to XXXX XXXX.
2. I tried to call the bank as soon as the transaction came across but was told we could not dispute a pending charge. Had we been able to dispute the charges initially it might have stopped the transaction all together.
3. I am never given a chance to communicate with anyone in a position of authority, but instead have only been able to speak with people that pass my information along to the decision makers.
4. The banks supposed supporting documents are for the charge of {$120.00}, however they debited the XXXX XXXX charge of {$310.00} 5. I am completely frustrated that someone used my card fraudulently and I have no voice at the bank.
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| 04/20/2018 |
Yes |
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX, I submitted a written hardship letter request for a loan modification to XXXX XXXX in order to reduce my payment to account for rising insurance premiums and taxes and a reduction in my take home pay. Initially, I received a denial stating that my debt to income was too high and that since my payments were always made on time, the requirements were not met even though the financial affidavit submitted reflected otherwise. The following month I received a call from the Loan Modification Department stating that I was eligible for up to a three month forbearance period to reduce my expenses and bring my deficit into a more workable range for the modification. Additionally, I was told that I would not be required to make any payments during this time which would continue into the modification and trial payment period and that once the modification was finalized, the payments for those months would just be added to my new loan balance. Because I had a good payment history, never a late or missed payment, and I requested the modification, showing that I was trying to find a workable solution to prevent any of that from happening, I was told that I qualify for credit protect, meaning that the payments not made during that time would not be reported as past due. Approximately two weeks into the process, my loan counselor resigned from the company and I was reassigned to XXXX XXXX. I submitted all the required documentation and continued through the process. I was told to call every week for an update and to make sure no additional information was needed. When I asked XXXX about the credit protection because I received a credit alert that my payment was reported late, he stated that my initial rep did not set it up and that she did not notate the account fully. Over the next several weeks/months, I spoke to XXXX, XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX, XXXX and XXXX. I received several promises for callbacks, follow-ups, directions on who to talk to and that someone should be able to resolve the issue. On at least one other occasion I was told that a second person ( XXXX ) in the process of resolving the issue had also terminated employment with the company in XXXX. Each time a call in is made or a call out, the line says that the calls are recorded. Each time I made a follow-up regarding the dispute, I inquired as to if the calls are recorded and the notes are not being entered accurately or completely why is it that no one will conduct a complete review instead of giving me the run around? I feel that the process was made complicated and caused unnecessary confusion by Regions assigning a loan counselor to me, who quit a couple weeks into the process and I was only informed of that when I called Regions to follow-up on my request weekly as I was instructed to do. Additionally, most of the time when I called to follow-up thereafter, I had to speak to a different person. The letters that are sent dont even have a specific loan counselors name on them which further supports the lack of accountability. During my trial period, I would make ACH payments by phone to ensure timely receipt, only to later receive a notice that they didnt receive the payment which required me to make additional phone calls. I have since submitted multiple requests, including as recent as XXXX, requesting that my credit reports be updated to delete the late payments that are reflected. Each time, I receive a generic response from someone who simply prints out the history from those months which dont reflect payments made, because of the modification, but doesnt do ANY research, and then sends me a letter stating that I dont qualify to have it corrected. After my modification, I continued to make timely payments until I sold the home in XX/XX/XXXX for the full balance owed. I am trying to get this inaccurate reporting updated because it has arisen as an issue in employment screening, which I had to provide documentation for and I dont want it to be a problem in any future home purchases. I was proactive in ensuring I did not default on my loan, met every requirement, submitted every piece of documentation timely and called weekly to make sure everything was done correctly. Please update my credit reports to delete these late payments.
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| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Note : Most dates are correct but some are approximate Regions Mortgage " Regions '' took over my mortgage loan as it was purchased from my previous lender. Once this happened I called Regions and told them that I wanted to set up auto-payment for my monthly payments. The person on the other line informed me that it had been done.
On approximately XX/XX/XXXX I noticed that my mortgage had not been paid for two months through my bank account and I noticed that my FICO score had been significantly reduced from XXXX and XXXX because of this. I decided to call Regions to find out what was going on. On this date I was transferred around multiple times and talked to XXXX and XXXX. I was told at that time by XXXX from Regions that she would be sending my account to their credit department to research and I would be getting a response from them within 7-10 business days.
On XX/XX/XXXX I talked to both XXXX and XXXX at Regions. I was told to send confirmation from my credit union that the account was open and valid at the time the payments were and that I needed to send my bank statements to prove that there was money in my account at the time they tried to remove the money. I faxed that information approximately the same day.
On XX/XX/XXXX, I talked to XXXX at Regions to find a status, he confirmed that the previous fax I sent was received and he was working on it. I was told my Regions that they needed another letter from my credit union with specific information that was not included in the first letter. I asked Regions if they could write the letter to send to my credit union so that it was correct and the said they couldn't do that. So I did my best to figure out what to ask the credit union to put in the letter based upon what they had told me.
On XX/XX/XXXX I called Regions again and talked to XXXX. She told me that I needed to get my credit union to include the routing number and signature on the document send previously. Which I requested from my credit union.
Shortly thereafter, I called Regions again and asked the status and was told that they did not receive my fax and they would forward the other documents to their credit department. I had noticed that one of the two delinquent payments were taken off the XXXX account but the XXXX XXXX was still there. They also removed the delinquent payment from XXXX on the XXXX and XXXX but not for XXXX.
On XX/XX/XXXX I received a phone call from XXXX from Regions who informed me that the whole problem was that some numbers were transposed on the auto draft and because that was not my fault they were going to take the negative statements off my credit reports.
After a couple of days, the negative statement on my credit report was removed from XXXX but not XXXX or XXXX and only one of the two late payments were removed from XXXX, XXXX and XXXX. There was still one showing on each for XX/XX/XXXX.
I called again to inquire as I had been seeing a pattern of misinformation coming from Regions and wanted to make sure that indeed they reported to XXXX and XXXX that the negative report would be removed from my account. I was told to give it some time, which I did.
On XX/XX/XXXX I called again to report that the XXXX and XXXX was still showing the late payment and was told that I should contact them to figure out what was wrong with them and why they hadn't updated my file. It was as though they were just passing the buck and me all around so they didn't have to spend the time researching for me. But, I did what they asked and contacted XXXX as they suggested which they consequently sent an inquiry to Regions. A few days later I received notice from XXXX that they received a certification from Regions that the late payment was valid.
I once again called Regions and asked to speak with their credit department which I was told didn't exist. Once I indicated that I have been speaking with them for the last three months the operator told me that I requested something else other than to talk to that department. After being on hold for some time, XXXX once again got on the phone, this time seemed perturbed and informed me that she does not take phone calls and appeared to take zero responsibility for the error. She told me that she would re-submit to XXXX after I asked her if she was aware of FCRA.
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| 04/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Event : {$17000.00} unauthorized wire transfer from XXXX XXXXXXXX XXXX Region Bank checking account, due to fraudulent activity. Despite XXXX XXXXXXXX taking all steps to report immediately to Regions Bank that fraudulent activity had occurred on his account and following up repeatedly with Regions Banks ( several branches and Customer Service ), his case was denied.
Actions : XX/XX/XXXX XXXX : the fraudulent call took place - fraudster posing as Regions Bank explained that there had been fraudulent activity on the account and asked security questions, to which XXXX XXXX answered. Call lasted over an hour.
XX/XX/XXXX XXXX : XXXX XXXX logged into bank account and discovered that {$17000.00} was PENDING as a wire transfer, unauthorized by him. XXXX XXXX immediately called Regions Bank ( Regions Client Services XXXX ) to report fraudulent activity had taken place on his account. The {$17000.00} was still in his account at this time.
XX/XX/XXXX XXXX : XXXX XXXX was told by a representation at Regions Bank that a flag to stop the transfer was put on his account and to call back on XX/XX/XXXX at XXXX to discuss, as XX/XX/XXXX was XXXX and the bank would be closed.
XX/XX/XXXX XXXX- bank closed XX/XX/XXXX {$17000.00} leaves XXXX XXXX account, unauthorized by XXXX XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX reports in person to Regions Bank to discuss. XXXX XXXX was told by Regions Bank at that meeting that he would receive provisional credit within XXXX days.
XX/XX/XXXX XXXX XXXX corresponds via email with Regions bank manager, XXXX XXXX. He is told that Regions Bank located the money to which the wire was sent ( XXXX XXXX ) and that they were waiting for them to respond. XXXX XXXX was told by Regions Bank that XXXXXXXX XXXX had 90 days to respond.
XXXX XXXX XXXX repeatedly XXXX to Regions Bank in person and via email to check on the status of the credited {$17000.00} to his account.
( XX/XX/XXXX and XX/XX/XXXX two email messages sent to XXXX XXXX, Regions Bank XXXX XXXX XXXX Banker ID : XXXX by XXXX XXXX checking on status of missing {$17000.00} ) ( XX/XX/XXXX email message to XXXX XXXXXXXX from XXXX XXXX, Regions Bank stating " Regions is working with XXXX regarding the wire claim. We are waiting for a response from XXXX regarding options. Once I get an update, I will follow up with you '' ) ( emails attached ) XX/XX/XXXX XXXX received letter in the mail from Regions Bank stating We have completed investigation on your claim. Based on this investigation, we have determined not to provide any credit to your account for the transfer ( s ). This determination was based on the following findings made during the investigation. Transactions were authorized using agreed-upon security procedures. ( letter attached ) XX/XX/XXXX XXXX XXXX called Regions Bank Customer Service to inquire about the details of the letter, finding " agreed-upon security procedures ' unclear. After 3 hours of being passed around from person to person and continually asking to speak to supervisors, he had a conversation with XXXX XXXX in the Regions Bank Fraud Dept. ( XXXX ) She told XXXX XXXX that she " didn't think he was at fault '', that an investigation had been opened through Client Services ( case submitted # XXXX ). She instructed XXXX XXXXXXXX, in the meantime, to return to a Regions Bank branch and have the branch manager go through Regions Bank channels to contact the Business Intrusion Department, Client Services and the Fraud Dept.
XXXX XXXX visited several branches seeking help. All managers did not understand how he did not have his money back and said they would work on the case. No one has followed through.
XX/XX/XXXX - XXXX XXXX received mass email to all Regions customers warning of fraudulent activity and outlining steps to take if customer found themselves in a fraudulent situation. The steps they outlined were exactly the steps taken by XXXX XXXX at the time of the incident. ( letter attached ) To date, no one has contacted XXXX XXXX regarding the investigation. Regions Bank has taken no accountability, nor communicated effectively and timely.
Despite taking ALL STEPS necessary, as outlined by Regions bank, at the first knowledge of fraudulent activity, XXXX XXXX PENDING unauthorized wire transfer of {$17000.00} was processed and not returned to his account.
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| 06/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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FRCA violations : Failing to Follow Debt Dispute Procedures Unreasonable and innaccurate reporting to the credit bureaus. Furnishing and Reporting Inaccurate Information Creditors must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged-off when you settled it or paid it in full, misstating the balance due, reporting late payments, listing me as a debtor on an account when I were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 15 U.S. Code 1679c - Disclosures ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact : The XXXX XXXX XXXX Federal Trade Commission Washington, D.C. XXXX. ( b ) Separate statement requirement The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer. ( c ) Retention of compliance records ( 1 ) In general The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement. ( 2 ) Maintenance for 2 years The copy of any consumers statement shall be maintained in the organizations files for 2 years after the date on which the statement is signed by the consumer. ( Pub. L. 90321, title IV, 405, as added Pub. L. 104208, div. A, title II, 2451, Sept. 30, 1996, 110 Stat. 3009457. )
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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I would like to file a complaint against Regions Bank for failure to promptly initiate Error Resolution Investigations. I disputed 2 transactions on my Regions debit card on XX/XX/2023 upon my return from a trip to XXXX XXXX XXXX. I called and disputed a transaction dated XX/XX/2023 in the amount of {$410.00} from a restaurant called XXXX XXXX XXXX in XXXX XXXX XXXX because I was charged the incorrect amount based on the wrong currency that was applied. I was charged {$410.00} US Dollars but was only supposed to be charged XXXX Pesos MXN or VAT which is the equivalent of {$24.00} US Dollars. I was charged an incorrect amount due to the wrong exchange amount charged. I also disputed a charge of {$710.00} US Dollars on XX/XX/2023 from XXXX XXXX XXXX. I paid and stayed for two nights. I paid a fee of {$710.00} that posted on XX/XX/2023 under a transaction on my statement as XXXX XXXX for the first nights stay and to hold my reservation. XXXX XXXX and XXXX XXXX XXXX are XXXX and the same in a partnership and management or group of hotels. I was supposed to pay for the second night and any incidentals at checkout on XX/XX/2023, however XXXX XXXX charged me another {$710.00} on XX/XX/2023 documented under on the statement as XXXX XXXX XXXX and then another {$710.00} included in my bill at checkout on XX/XX/2023 for {$1700.00} under XXXX XXXX XXXX. XXXX XXXX charged me for the second nights stay twice. I explained all of this in detail on XX/XX/2023. I received an email confirming my error dispute on XX/XX/2023. On XX/XX/2023 I noticed I had not received a decision, provisional credit or anything regarding the dispute. I called three times asking about the results of the error dispute and the first customer service agent said the dispute was denied on XXXX but there was no information as to why so I asked for a copy of the investigation or how they determined to deny my dispute. I was transferred to Customer Protection and waited on hold for 45 min and was then hung up on in the call. I called back and got hung up on again. The third time I waited an hour to speak to someone in Customer Protection and they said that my dispute was denied but they also did not know why but said they would reopen my dispute. I received a letter on XX/XX/2023, that letter was dated XX/XX/2023 stating that Regions Bank needed documentation as to why Im entitled to a refund from the merchant? I provided the reason I was entitled to a a refund on XX/XX/2023 but no investigation had ever began, instead I was just flat out denied. Regions had not reached out to the merchant or even looked at the transactions or attempted to perform an investigation based on internal records or information. I called on XX/XX/2023 for a status update and asked for the documentation from the original investigation dated XX/XX/2023 and why my original error dispute was denied and the Customer Protection agent said the notes in the system stated that the Merchant had 15 days to return my money before Regions Bank would begin an investigation. I said, so no investigation begins until the merchant has an opportunity to return the funds? This wasnt a merchant dispute but an error dispute I was charged the wrong amounts possibly due to an error regarding the exchange rate and a duplicate charge or an unauthorized charge regarding the {$710.00} for my hotel room. When ever I have disputed transactions Im immediately denied without any type of reasonable investigation or without a review of relevant records, transactions and information within Regions Banks own system. Im never offered a provisional credit & Regions Bank extends the length of the investigation whenever and however long they want by flat out denying the error dispute claim and then asking you for documentation before they begin an investigation. However whats even more problematic is that Im not the first customer to complain about their error resolution investigations, decisions, and process to the CFPB and the FDIC and I wont be the last. However it will be my last cause Im closing my accounts with Regions before the end of XXXX. Clearly my money is not protected from errors and the Merchant has more rights than I do. I work very hard for my money why wouldnt I want it back?
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| 02/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Undisclosed " paper statement fee '' and online account statement access blocked after online account setup at account opening.
Hit with UNDISCLOSED " PAPER STATEMENT FEE '' and {$11.00} subtracted from my account. NO " '' PAPER STATEMENT '' WAS EVER RECEIVED AND ONLINE STATEMENT ACCESS WAS PREVIOUSLY ESTABLISHED AND EXPECTED.
Tried to correct with Regions online to NO AVAIL. Regions rep. suggested wasting even more time on the phone wit Regions on a Sunday while STILL AWAITING OVERDUE ANSWER FROM REGIONS TO PREVIOUS CFPB COMPLAINT.
" Thank you for connecting with us! Your feedback is very important to keep serving you better.
On a scale from 1 ( very dissatisfied ) to 5 ( very satisfied ), how would you rate your overall satisfaction with our response time to your message?
Survey - XXXX XXXX The survey has expired. Thank you for your time.
Survey - XXXXXXXX XXXX Today Welcome! Let XXXX, your virtual XXXX, help you.
What is this? XX/XX/XXXX XX/XX/XXXX Paper Statement Fee negative $ XXXX {$11.00} You - XXXX XXXX I never agreed to it.
You - XXXXXXXX XXXX XXXX! I'm XXXX, your Virtual XXXX.
Sorry, I may not be trained on that topic. Please rephrase your request or make a selection from the following options.
Sorry, I may not be trained on that topic. Please rephrase your request or make a selection from the following options.
Please select from the options below.
Move money Credit and lending Help with my account Question about a transaction A communication from Regions Question about a fee Something else Please select from the options below.
Move money Credit and lending Help with my account Question about a transaction A communication from Regions Question about a fee Something else XXXX - XXXX XXXX What is this? XX/XX/XXXX XX/XX/XXXX Paper Statement Fee negative $ XXXX {$11.00} I never agreed to it.
You - XXXXXXXX XXXX Is your inquiry regarding access to a recent statement?
XXXX - XXXX XXXX Yes You - XXXX XXXX To view or print online statements, hover your cursor over the Accounts tab in the top left of the screen.
Select Online Statements from the drop-down menu.
Under Actions, there are icons you can select to view and save your online statements.
Did this answer your question?
XXXX - XXXX XXXX No You - XXXX XXXX We're transferring you to another banker who can better help you with that. This messaging service allows you to reply to us in your own time.
XXXX - XXXXXXXX XXXX You are now connected to XXXX XXXX
XXXX- XXXXXXXX XXXX What is this? XX/XX/XXXX XX/XX/XXXX Paper Statement Fee negative $ XXXX {$11.00} I never agreed to it.
You - XXXX XXXX Hello XXXX and thank you for messaging us! One moment while I review the account.
With the XXXX Checking account, there is a {$11.00} monthly fee. To waive the fee, you must maintain a {$1500.00} average monthly statement balance or receive a direct deposit ( either a one time {$500.00} or more or a combined monthly deposit of {$1000.00} or more ).
XXXX XXXX.
- XXXXXXXX XXXX I was told the account fee is {$8.00}. Is another CFPB complaint in order? It looks like it is.
I've never even seen a paper statement from Regions.
You - XXXX XXXX It's {$8.00} if you are enrolled in online statements.
XXXX XXXX.
- XXXX XXXX Then fix it now and refund the undisclosed {$3.00} overcharge.
You - XXXXXXXX XXXX The statement was mailed out Friday.
To enroll in Online Statements, select Customer Service then select Services Under Account Services you will see the option View Online Statements.
Once youve selected this screen you will see the option to " Manage my Statement Delivery and Email Preferences ''. Simply toggle to enroll then select " Save My Preferences ''.
XXXX XXXX.
- XXXXXXXX XXXX And you will refund that undisclosed JUNK FEE IMMEDIATELY?
You - XXXXXXXX XXXX The account is not eligible for any fee refunds at this time as it shows you were not enrolled in online statements.
XXXX XXXX.
- XXXXXXXX XXXX OBVIOUSLY YOU CAN NOT COMPREHEND REGIONS ' LACK OF DISCLOSURE. SUPERVISOR PLEASE.
You - XXXXXXXX XXXX Agent is typing...
There are no supervisors available through messaging at this time. You will need to call XXXX to speak with a supervisor.
XXXX XXXX.
- XXXXXXXX XXXX ''
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| 04/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I was a first time home buyer with very limited knowledge on the many variables of buying a home so all my trust and guidance came from the professionals. My mortgage loan originator XXXX XXXX XXXX # XXXX was amazing in guiding me throughout this journey but made a costly ( for me ) mistake. While we were going through the process to finalize on a home I noticed on a cost estimate that she sent me was significantly higher than what we originally agreed upon. I immediately emailed her asking for an explanation to which she called me on her personal cell to assist. She explained that the previous owner did not have the home listed as homestead so the property taxes were at that time double. I grew very apprehensive and was going to back out of the deal but she assured me this was an easily resolvable matter. At that time she explained to me that all I had to do was simply file for homestead once I purchased the home and send regions mortgage servicing department that documentation ; by doing so my taxes would immediately be adjusted to to reflect half the amount it was currently showing. Regions serving department would then adjust my loan payment and refund me all funds that were paid in excess due to the taxes being doubled. She explained this process may take up to three months but I could expect for my payment to be reduce well before that year was out. I asked her at least three more times on different occasions to confirm what she told me and each time she said the same. My realtor will attest to the fact she witnessed XXXX verbally tell me that my taxes would be adjusted in XXXX and I would be for reimbursed over payment. I closed on my home XX/XX/XXXX. The day after I moved in I went to my county tax assessor, filed homestead and faxed that documentation over to expedite the process. After waiting several weeks with no response I reached out to Regions for a follow up and was told that document provided nothing for them to adjust my rate and that they needed a form with " numbers ''. I asked for a clearer explanation for what they needed but was not provided any assistance. I called several more times throughout XXXX speaking to several different reps and each time no assistance was provided. I was spoken to like I was ignorant when in fact I was just very misled. Each time I spoke to an agent they assured me once I submitted a form with my new tax number on it I would be reimbursed for the double tax that I had been paying all of XXXX. It wasn't until XXXX when the county reassessed taxes that I was given a new number to send in. I faxed that over to Regions XX/XX/XXXX and asked when I could expect my refund for the previous year and it wasn't until then that their story changed. It was finally explained to me how property taxes work and how the rate at the time of closing was accurate and I would not receive a new tax rate until the county analyzes once a year. There is no way I would have agreed to this home knowing that I would have to go a full year paying doubled taxes. I spoke to a manger, filed a formal complaint explaining where the initial miscommunication from my loan originator caused me a major financial burden. They found no fault in their representative but instead insisted that fault was in my comprehension. They made no attempt to understand how I was misled. I knew not to question what I was told because like I stated this was a first time experience for me. The entire time I was speaking to the representative to gain a resolution she over talked me and kept re-explaining the process of property taxes. The issue is simple : had the loan originator clearly explained the process in the beginning and not lead me to believe that my monthly rate would be adjusted in XXXX to reflect me filing homestead I would not be out of almost {$800.00}. At the time of closing in XXXX the property taxes were {$1800.00}. When the taxes were reanalyzed for XXXX they are adjusted to XXXX. When I closed on my home, my monthly mortgage payment was {$1000.00} and was adjusted in XX/XX/XXXX to {$940.00}. That is a difference for {$79.00}. Consider that I payed that amount fromXX/XX/XXXX-XX/XX/XXXX that is {$790.00} that I fully expected to receive back.
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| 01/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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My daughter has a student checking account with Regions Bank, which my name is on. I also have a joint checking and savings account with my husband at Regions as well. Back on XX/XX/2018, my daughter 's account information was hacked ( account number, personal information, pin number, etc ). A mobile check deposit try to happen on her account for the amount {$2600.00}. On XX/XX/2018, someone went to XXXX and started a XXXX for the amount of {$2400.00} using her account information and identity to sign. According to the manangers at XXXX, the person came back in 30 minutes later, canceledthe XXXX and got a refund in cash for the amount processed. Now, ... my daughter lost her debit card on XX/XX/2018. She did wait a couple of days because she took that time to backtrack and search for her card, which she did not find. On XX/XX/2018, she called Regions Bank and reported her card lost/stolen at which time the bank representative informed her of the transactions that occured on her account and that her account was in the negative {$2600.00}. SHe was advised to go to a local Regions Bank branch to file a claim in person. On XX/XX/2018, my daughter went to Regions Bank and filed a claim against the disputed charges and account activity.
Two weeks passed and nothing came to inform her of the process or outcome of the claim. We recieved a collection notice in the mail on XX/XX/2018 ( which is when I first found out what had happened and what was going on ). I called Regions Bank to ask about the outstanding balance and was informed that they were trying to collect a debt and the the claim was closed stating that my daughter was at fault for the said charges and activity she disputed. We were then informed to file a police report to submit to the bank for further review.
The next day, XX/XX/2018 my husbandand I discovered that his direct deposit into our account was taken by the bank ( {$1500.00} ) and only {$2.00} remained in our checking account, along with them taking {$28.00} from our savings account and leaving only {$2.00} in there as well. The reason, ... the money taken ( which was my husband 's paycheck ) was to cover the negative balance in my daughter 's account, and that I need to set up payment arrangements for the remaining balance {$970.00}. Our XXXX money was taken, ... groceries, bills, etc. It was this day that we found out from a bank representative that the place the transaction occured was at our local XXXX ( the XXXX ). The representative also checked the signature on the mobile check deposit and compared it to my daughter 's signature and confirmed that it did not match. We went to XXXX and they gathered all the information from the XXXX and turned it in to thier Loss and Prevention Department and said that an officer or detective would have to come and collect the evidence but that it was together and would be waiting. They also confirmed that the signature on the XXXX did not match my daughter 's signature.
On XX/XX/2018 my daughter and I went to a different Regions Bank branch ( Customer servies at the previous location was very rude ) and wanted to open a second claim over the disputed charges and account activity. They attched the police report to the first claim ( that was already closed ). Regions Bank still has yet to contact the police department to verify any evidence that XXXX had, or even read the police report and is still demading that I pay the negative balance on my daughter 's account.
All information points to fraud/identity theft and the bank isn't budging. They say that since her pin number was used for the XXXX transaction, that it is her fault, period. SO now, we are still fighting the bank, trying to recover our money that they have taken ( remind you that there is a balance of {$720.00} that I refuse to pay ) and are seeking a lawyer or legal advise to take this to court. We have called several times over the last XXXX weeks and keep getting the run around, or " let me connect you to a different department, '' because no one can see the information or comment on anything.
Regions Bank is the worst, ... they don't care about doing the right thing or your money.
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| 05/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On [ XX/XX/XXXX at XXXX PM ] we asked Regions : " I would like to request/confirm that any additional payments I make to this mortgage will be applied solely to the principal? Thank you. '' The next day we received the response " Yes, the additional payments can be applied to the account. Please make payments after the current payments is due and prior to the next one. The website is the best place to confirm if they were applied as intended. '' We followed their instructions and immediately noticed that the payments were NOT applied as intended. We have been attempting to work directly with Regions and with the assistance of the CFPB since XX/XX/XXXX to have them fix the issue but to no avail. This is our 6th message to the CFPB regarding this ongoing, yet evolving issue. Regions often does not respond to our attempts to contact them or closes the complaint claiming that the issue has already been resolved.
Initially, we'd proposed a simple solution : we would consider this issue resolved if what we requested 8 months ago was honored : a simple correction of their misapplication wherein {$4500.00} is applied to the principal on XX/XX/XXXX, the day the payment was made. We would immediately bring the loan current to satisfy any outstanding payments to-date.
After about 7 months of receiving minimal assistance, a Loan Servicing Escalation Specialist, XXXX XXXX, had finally begun to assist us. He began to perform some re-applications on our account which were a step in the right direction, but not complete. Ultimately, he applied the {$4500.00} on XX/XX/XXXX, but AFTER the contractual interest payment. We initiated the {$4500.00} principal payment on XX/XX/XXXX, therefore we have been asking Mr. XXXX to apply it BEFORE the contractual payment, however but he has refused to do so. Regions bank choosing to apply the payment later, simply to extract more interest from the consumer prior to applying the principal, even when we are requesting otherwise and made the payment two days prior, is in bad faith, particularly 8 months after we brought this to their attention.
Mr. XXXX had also mentioned that we would not face any delinquencies or penalties as a result of their mistake, so long as we are prepared to make the loan current. We have notified him on several occasions that our intent is to make the loan current as soon as possible and we have the ability to do so immediately, however they still will not finish correcting the misapplication. We received a notice on XX/XX/XXXX stating " You are late on your mortgage payments. As of XX/XX/XXXX, you are 30 days delinquent on your mortgage loan. Failure to bring the loan current may result in fees or completion of the foreclosure process -- - the loss of your home. Loss Mitigation Program : Not Applicable. '' In the interim, the online payment portal has been closed off to us, and our loan auto-draft suspended without action from our part. We sent two messages to Mr. XXXX XXXX on XX/XX/XXXX reiterating our intent to pay the loan as soon as possible, hoping he would make the final correction to the misapplication, however we have not heard back. We also asked that if he is unable to assist us further, that he escalate our concern to a supervisor, but we have not heard back from anyone.
This all stemmed from our first-ever principal-only payment as brand-new customers and first-time homeowners. This was before we had any experience with the Regions online platform. We reached out for assistance and received misleading guidance, which caused this whole error, and we continue to receive pushback and brazen refusal by Regions to fix the mistake to this day. Regions, by their own admission on XX/XX/XXXX, gave us improper instructions : " From what I see is that you may have used the wrong option to pay principal only. This is not your fault, because the proper instructions should have been provided. '' XXXX XXXX Regions representative ). There has been no grace or courtesy for us as new customers, even as we tried to secure our first-ever home in the middle of a pandemic. We sincerely hope Regions will make the simple fix and make this right.
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| 12/07/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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XXXX XXXX XXXX Regions Loan : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : Loan Modification / Loan Modification Story on all that has happened and I am pretty much going out of my mind and trying to heal my medical conditions at the same time with documentation I have never dealt with.
XXXX XXXX will no longer help me because I could not produce Doctors documentation for my injuries, I told them this is all in process. To top all that was wrong this was the up nastiest people in this office I ever had to deal with! Unbelievable!
XXXX XXXX, XXXX, I had to stay at my sisters house in XXXX Texas, because I could not afford the utilities, I did not have an income.
Regions Hired Home Inspector to Break into my House and they drilled and installed there own locks on the Back Door. I had a lock on the side gate I did not know I was going to have someone break in, they damaged the gate, and door locks.
XXXX XXXX & XXXX, XXXX I was here staying in the house, I notice that the door lock had been replace and damaged one on kitchen counter. I called Regions and said why didnt you ask for the keys. At this time everything looked okay.
XXXX XXXX through XXXX, XXXX, XXXX, Regions ask a lot of questions and wanted a lot of documentation : A truck hit me Head On, doing XXXX at the unemployment parking lot, he was going the wrong way.
Why didnt you collect Social Security, I applied 3 times, and this is in process, so I am still waiting. I dont know if I will get it, I should the Doctor said he would sign the documents. That also changed, now VA doesnt want to sign the documents but they know how to send me to all the Doctors.
Social Security XXXX XXXX, XXXX, sends me a letter stating that I will receive {$28000.00}. And will start monthly check of {$1400.00}. for XXXX XXXX, Now I have a temporary income for now.
XXXX XXXX, XXXX, I call Regions about making Monthly Payment and Reinstate my Loan, so this way I can stay and live here, Regions was constantly asking do you want to stay in the house, I said YES! If it turns out I can not stay I will Rent the house or Sell it, we had talked about this before back in XXXX XXXX, while I was still living here.
XXXX XXXX page XXXX of XXXX XXXX XXXX, XXXX, still waiting on XXXX Modification after 25 days XXXX XXXX / XXXX / anything to adjust monthly payment to {$1000.00}. a month. I was XXXX.
They said I can appeal it, well this was just a delay tactic XXXX weeks later XXXX DENIAL.
XXXX I had the XXXX XXXX Police out here at Regions request about the list of damages.
Service Link was hired by Regions to do Home Inspection, I was showing Police the damages and they said XXXX needs to call the Police, they hired Service Link to come out here and gave them the OKAY to Break XXXX.
I called Regions they wanted me to put damages on my XXXX XXXX XXXX! I said NO! This is your BILL.
I had the XXXX XXXX police out here twice at Regions request! They said the same thing.
I ask ; On Reinstatement : Regions was telling me all this time that I had to talk to the Attorney in XXXX. Now he doesnt have the correct Billing amount XXXX XXXX, XXXX.
I am trying to get this done before the XXXX XXXX. From XXXX to Present I keep getting Billed because of XXXX and Attorney.
I called Regions for final bill XXXX XXXX, XXXX, hey tell me you have to call the Attorneys Office, I call the Attorneys Office, they tell me Attorneys Bill is {$390.00} and just use Regions Last Statement the last one I sent you.
It turns out thats the wrong one! I just received the new one today with double the increase on everything and I still have all this damage to the house.
What do I do?
This is the majority of what is going on here delays, I told Regions you need to contact the Attorney, I do not have NOTHING to do with this except pay the bill! Regions was trying to explain the process! I do not care about the process I just want to pay my bill and get Regions to FIX the house.
This is the majority of the problem ; I need some help here, one of these days I can go to Regions and give them the check! I want the damages fixed.
Thank you for your time, XXXX XXXX
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| 07/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Regions Bank Subject : Consumer Rights Notice - Compliance with CFR, Securities Exchange Commission, Truth in Lending Act, Loan Denial Practices, and Auto Loan Endorsement Dear Sir/Madam, I am writing this letter to bring to your attention certain consumer rights and regulations that must be adhered to by Regions Bank XXXX ensuring compliance with the Code of Federal Regulations ( CFR ), Securities Exchange Commission ( SEC ) , and the Truth in Lending Act ( TILA ). Additionally, I want to address concerns regarding loan denial practices. Furthermore, I am requesting an auto loan that requires the consumer 's endorsement and stamp for the promissory note, which will be presented to the United States Treasury for obligation purposes.
Firstly, it is essential to acknowledge that the consumer involved in this matter is not a minor and is fully aware that any loan products offered by the bank are considered cash equivalents and a mere exchange. It is important to note that banks do not have the authority to lend credit, as it is the consumer 's signature that charges the instrument. Any practices that deny a consumer an extension of credit based on erroneous or illegal grounds other than employment and Insurance are in violation of consumer rights and regulations.
To ensure compliance with federal regulations and address the auto loan endorsement request, I kindly request that Regions Bank promptly review and address the following points : 1. CFR Compliance : Please ensure that all banking operations conducted by Regions Bank are in full compliance with the relevant provisions of the Code of Federal Regulations ( CFR ) as applicable to your institution.
2. Securities Exchange Commission ( SEC ) Compliance : Verify that all securities transactions and related activities carried out by Regions Bank adhere to the regulations set forth by the Securities Exchange Commission ( SEC ). This includes compliance with reporting requirements, investor protection provisions, and any other applicable regulations.
3. Truth in Lending Act ( TILA ) Compliance : Regions Bank must comply with the provisions of the Truth in Lending Act ( TILA ) when engaging in lending practices. This includes providing accurate and complete disclosures of terms, rates, fees, and other relevant information to consumers.
4. Loan Denial Practices : Please review your loan denial practices to ensure that they are fair, transparent, and compliant with all applicable laws and regulations. Denial of credit should be based on legitimate factors such as creditworthiness, income verification, and other lawful criteria.
5. Auto Loan Endorsement : I request an auto loan that requires the consumer 's endorsement and stamp for the promissory note, which will be presented to the United States Treasury for obligation purposes. Please provide me with the necessary information and procedures to facilitate this endorsement.
I expect that Regions Bank will take immediate action to investigate and rectify any non-compliance with the aforementioned regulations and concerns. Failure to address these matters appropriately may result in the initiation of further legal action to protect the consumer 's rights.
Please acknowledge receipt of this letter within ten ( 10 ) business days from the date of this correspondence. Additionally, please provide a timeline for addressing the concerns outlined herein and the necessary steps for the auto loan endorsement.
Thank you for your prompt attention to this matter. I trust that Regions Bank will take the necessary steps to ensure compliance with consumer rights and regulations and facilitate the auto loan endorsement process.
Moreover, I would like to draw your attention to the fact that willfully noncomplying with my request would be considered as Regions acceptance of the terms and conditions outlined in the " XXXX : Sovereign Terms and Conditions '' which is already on file with executive office as well as the " XXXX XXXX BATTLE FEE SCHEDULE. '' I advise that you forward this letter to your legal department so they may fully comprehend the seriousness of this matter.
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| 06/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XXXX of 2020, I opted to purchase a used vehicle from a friend.
I live in North Carolina, he lives in Georgia. He didn't own the vehicle outright, it was financed with REGIONS BANK, the original finance company when he purchased the car new. So, in an attempt of convenience, I opted to take out a vehicle loan with REGIONS BANK for the balance owed, to streamline the process.
My loan was approved on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX, in additional communications about the loan with XXXX XXXX and XXXX XXXX, I included in my email communication about the location difference of myself, in NC, and the seller/vehicle residing in GA. I advised that the seller and I could meet at REGIONS BANK branch in XXXX, SC, on Friday, XX/XX/2020, to complete the vehicle sale and paperwork and I would take the vehicle at that time, and the loan rep set up the appointment for me.
A branch rep with REGIONS BANK in XXXX SC, XXXX XXXX, advised me ON that day of the loan closing, that I also had to pay REGIONS BANK for North Carolina tax, registration fee and tags. I would not be allowed to complete the loan to purchase the vehicle without paying the NC DMV fees to them, either in cash or rolling into the vehicle loan. This information and expectation was not divulged during the time prior to XX/XX/XXXX. I opted to roll it into the loan as I was not prepared with the additional funds due to the lack of that very necessary information. XXXX advised after the paperwork was completed that I had everything I needed and to just take the paperwork to NC DMV to obtain my NC license plate.
On Tuesday, XX/XX/XXXX ( after XXXX XXXX ), I arrived at NC DMV, waited my turn in line for a license plate, and presented the paperwork. The DMV clerk asked for the title. NC DMV requires the physical title to register a vehicle. No title, no registration, no license plate. I was quite taken aback by this, and I immediately called XXXX at the REGIONS BANK XXXX branch, told him I was at DMV and what the DMV clerk was telling me - no title, no registration, no plate. To make sure XXXX understood what DMV needed, I asked the DMV clerk to speak with XXXX directly, using my phone, so everyone understood what seemed to be missing, keeping me from obtaining my license plate. Afterwards, I got back on the phone with XXXX, and he said he would send an email to contact someone in REGIONS ' auto department to send the title work to the DMV contact and address as provided by the DMV clerk during their phone call. I attempted to contact XXXX multiple times about the status of the title over the following week and a half, because nothing was happening. His response to me was he was waiting for someone at REGIONS to respond to his email, and he would get back to me. He never reached back out to me, then when I contacted him, he said not to call him anymore, he can't help me. He, REGIONS BANK " Financial Relationship Consultant, '' ghosted me, the customer, who was forced to pay these DMV fees with no advance communication, and now ZERO ASSISTANCE.
Today, XX/XX/XXXX, a month later after completing the loan paperwork, after making the first required payment, after multiple phone calls to the REGIONS BANK loan and customer service phone numbers - SO MUCH RUN AROUND, multiple excuses, volunteered misinformation, and I STILL HAVE NO TITLE for a vehicle I AM PAYING ON A LOAN FOR THAT I CA N'T DRIVE!! And no one - NO ONE - I talk to seems to know how to get it, what's involved, or even direct contacts in their own company!! I can not believe I have continually interacted with so many people who know nothing and can't seem to help me - like it's either their first day at work, the first car loan ever processed by this national bank, or the department that maintains the car titles at REGIONS BANK is so TOP SECRET it's not even listed in their company directory. I was even advised to ask my friend, the seller, to go to Georgia DMV and ASK THEM FOR THE TITLE!!! In an attempt to help me, he did, and what did Georgia DMV say??? They don't have it, contact the company that had your vehicle loan, which was REGIONS BANK!!
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| 04/14/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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To whom it may concern : I have called company and have made several additional payments to bring account down and pay my balance quickly. have made additional payments and they are adding them as escrow and hold payments and place in suspense and deposit at what ever time they want to benefit them and not the consumer. My initial payment was a large deposit to account and they used half of the deposit in escrow account when it should have gone to principal balance, In addition to that i have made other deposits in the thousands and they place deposits to go onto principal and place them in what they call a suspense and add to acct to whenever they feel is convenient for them andalso my automatic payments should be deducted automatically every month ; If I make a large payment to acct they skip the auto payment so it does not get added to acct at their convenience.
I am forwarding a snop shot copy of my online balance payments so that you can see the whole picture.
Transaction Type Process Date Effective Date Transaction Principal Interest Escrow Optional Products Suspense Fees & Assessments Principal Balance Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$0.00} {$52000.00} Principal payment XX/XX/XXXX {$0.00} {$500.00} {$0.00} {$0.00} {$0.00} - {$500.00} {$0.00} {$52000.00} Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$0.00} {$52000.00} Principal payment XX/XX/XXXX {$0.00} {$4000.00} {$0.00} {$0.00} {$0.00} - {$4000.00} {$0.00} {$52000.00} Principal payment XX/XX/XXXX {$0.00} {$500.00} {$0.00} {$0.00} {$0.00} - {$500.00} {$0.00} {$56000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$4000.00} {$0.00} {$56000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} - {$4000.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$56000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} {$0.00} {$57000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} - {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$57000.00} Principal payment XX/XX/XXXX {$0.00} {$4000.00} {$0.00} {$0.00} {$0.00} - {$4000.00} {$0.00} {$52000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$3400.00} {$0.00} {$56000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} - {$3400.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$56000.00} Misapplication reversal XX/XX/XXXX XX/XX/XXXX {$0.00} - {$400.00} - {$100.00} {$0.00} {$0.00} {$500.00} {$0.00} {$56000.00} Principal payment XX/XX/XXXX {$3400.00} {$3400.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$52000.00} Payment XX/XX/XXXX XX/XX/XXXX {$0.00} {$400.00} {$100.00} {$0.00} {$0.00} {$0.00} {$0.00} {$56000.00} Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$56000.00} Principal payment XX/XX/XXXX {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$56000.00} Principal payment XX/XX/XXXX {$4400.00} {$4400.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$57000.00} Payment XX/XX/XXXX XX/XX/XXXX {$0.00} {$270.00} {$220.00} {$0.00} {$0.00} {$0.00} {$0.00} {$61000.00} Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$61000.00} Payment XX/XX/XXXX XX/XX/XXXX {$0.00} {$250.00} {$240.00} {$0.00} {$0.00} {$0.00} {$0.00} {$61000.00} Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$62000.00} Payment XX/XX/XXXX XX/XX/XXXX {$0.00} {$260.00} {$230.00} {$0.00} {$0.00} {$0.00} {$0.00} {$62000.00} Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$62000.00} Payment XX/XX/XXXX XX/XX/XXXX {$0.00} {$250.00} {$240.00} {$0.00} {$0.00} {$0.00} {$0.00} {$62000.00} Payment XX/XX/XXXX XX/XX/XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$62000.00} Payment XX/XX/XXXX XX/XX/XXXX {$4500.00} {$2200.00} {$2200.00} {$0.00} {$0.00} {$0.00} {$0.00} {$62000.00} Total Records : 27 Please feel free to call me or email me if you have any questions.
XXXX XXXX XXXX EMAIL : XXXX XXXX
|
| 02/08/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Subject : Notification of Impeding Progress In XXXX of XXXX, the customer visited a Regions Branch in XXXX XXXX XXXX, FL to sign over a check from XXXX XXXX XXXX allocated for the Dwelling portion of their policy. The amount of the check was approximately {$110000.00} and it included Regions signature. An initial disbursement was issued to the customers for {$40000.00}. Terms were discussed prior to signing the check to Regions that appropriate documentation such as quotes/contracts, amounts paid, XXXX, contractor license, etc. would be provided to Regions. Essentially, Regions was requiring that the insurance funds were being utilized for repairing the property.
During the discussion, the customer made it clear to Regions that as progress was made and proof was being provided, Regions would disperse additional funds so further progress could continue. Two specific areas were thoroughly covered : 1 ) Regions would not take more than two weeks to assess/inspect necessary documents including property inspections and a check would be sent overnight mail in order to expedite the process, and 2 ) in no way would Regions impede the progress by their processes and withhold funding in the escrow account in repairing the property.
On XX/XX/XXXX, the customer sent emails to the Regions provided email account : insuranceclaims@regions.com. Two main efforts had been completed : a new roof and the removal and remediation of the home. The cost of the roof was {$15000.00} and the cost of the removal and remediation was {$27000.00} totaling {$42000.00}. The emails included pictures of the new roof and the gutted insides ( down to the studs ), quotes, invoices paid in full, XXXX, contract license, and all the other documentation Regions had requested. After not receiving any communication, the customer contacted the mortgage insurance claims department on XX/XX/XXXX. Regions confirmed they received the information and wanted to schedule an inspection prior to issuing any further funds. Regions used XXXX XXXX XXXX. It was not until XX/XX/XXXX that an inspector, XXXX XXXX, visited the property. The inspector indicated they would have the report completed that night and Regions would have it no later than XX/XX/XXXX. It was noted that Regions would need 48 hours to assess and to contact them on Friday XX/XX/XXXX. On XX/XX/XXXX, the customer contacted Regions regarding the report. Regions indicated they had not received the report. On XX/XX/XXXX, the customer contacted XXXX XXXX and they indicated they had not received the report from their inspector. Throughout the week the customer attempted to contact both XXXX XXXX and Regions regarding the report. There was indication that the percent work complete was in dispute.
On Monday XX/XX/XXXX, the customer went into a local Regions branch in XXXX XXXX XXXX, FL to gain further assistance. The only effort was to call the mortgage insurance claims department and left a message to call the customer within the next 24 hours. No call was made to the customer. On Tuesday XX/XX/XXXX, the customer returned to the local Regions branch. XXXX XXXX XXXX attempted to call and even wrote an email, copying XXXX XXXX, requesting a response to the inspection and the disbursement of funds. On Wednesday XX/XX/XXXX, the customer returned to the same branch and spoke to XXXX XXXX XXXX again. XXXX XXXX XXXX again attempted to reach out to the mortgage insurance claims department to obtain insight. XXXX XXXX XXXX filed an internal formal complaint.
To date, there has been no resolution, a lack of communication, a breach in expectations discussed to disperse funds as well as a breach by the Regions of the implied covenant of good faith and fair dealing. Ultimately Regions is impeding on the progress for the customer to repair their home. This letter is to notify Regions of impeding progress and to immediate release the necessary funds to continue progress. Further delays will result in discussions and potentially actions to remove the funds from Regions escrow and place the funds in a third party trust that can be handled more responsibly.
|
| 10/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I was victim of a fraud scam. Around the XXXX of XXXX 2017 I applied online for a XXXX XXXX job on several sites. About a week later I received in the mail a letter from XXXX XXXX with instructions on how to do the job and also a check attached for {$3300.00}. I was skeptical but I researched the company and they were reputable so I proceeded to deposit the check into my checking account using my phone. I purposely DID NOT choose to have access to the money early so that I could see if this was for real. A few days later the money showed up in my account. It was not listed as pending either. I was very excited that this was real and proceeded to follow the very detailed instr ( uctions on how to do the jobs. The first one was to go to XXXX and do a XXXX XXXX for {$1900.00}. The second was to go to XXXX and do a XXXX XXXX for {$900.00}. The third was to go to XXXX and buy {$100.00} of whatever you wanted and you got to keep the products. The final {$400.00} was your fee for completing the jobs. You were then going to fill out very detailed questionnaires on all of the places service and cleanliness. I did these jobs on XXXX XXXX, which was a Friday and kept all of the receipts to submit. Well, the following Friday I try to log into my Regions account and it will not let me so I call the Regions and they tell me I have to go in to a branch to reset my password. They would not tell my why. I go into the bank and after about an hour of the rep trying to figure out what was going on he finally tells me that the check for the {$3300.00} had come back as fraudulent and my account was overdrawn by {$2000.00}. I was in complete shock since I had specifically NOT requested that that money be available early and the fact that I thought it had cleared since the money showed up in my account and was NOT pending. XXXX pending items show up in red as pending ) I immediately went to the police and filed a report. They asked me if I wanted to press charges if they found the perpetrators to which I said yes. I returned to the bank the following day with the police report in hand and an assurance from the rep that everything would be okay since I did have a police report only to find out that I would be responsible for the full amount of the check! I was the victim of a crime and I would be the one who paid for it!!!! Furthermore, the bank made me feel like I was the criminal!!!!! I was horrified!!! So now I was not only victimized but I couldnt pay my rent either! It was the bank who made the funds available early specifically after I told them not to and the funds were not listed as pending. It should be the band that covers the check, not me! They are insured for things like this. So I transfer money from my Florida accounts and I needed to have access to it right away to pay my rent so I have my mother put {$4000.00} CASH into our shared savings account so that I could cover the negative {$2000.00} balance and leave me with {$2000.00} for rent and bills. I then go to the bank the following morning to pull it out and they would not give me my money!!! MY money that was deposited into MY account and was CASH!!!!!!!!!!!!! I was so furious with them. This XXXX gives me a letter to give to my landlord stating Ill have it tomorrow. I went into the bank again the next morning and they were saying again that I couldnt have the money. Then he says well, you can have the money but the only way you can have it is to close out your accounts. I wanted to leave the accounts open for a week so that I could pay all of my bills online that needed to be paid and then I would close out my accounts with Regions ( because I was NOT going to stay with them after this ) and go to a new bank. Its like they were saying XXXX, we dont want your business anymore. Again, they made me feel like I was the one who committed a crime! I wasnt good enough for their business anymore. I WILL NEVER DO BUSINESS WITH THIS BANK AGAIN ANY ANYONE ELSE OUT THERE SHOULD BE VERY CAREFUL AND NOT EVER BE A VICTIM OF A CRIME OR FRAUD WHILE BANKING WITH THEM BECAUSE THEY WILL MAKE YOU PAY FOR IT.LITERALLY!!!!
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you XXXX XXXX, REGIONS AND XXXX XXXX XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The Black law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from XXXX dated XX/XX/2022, in the amount of {$1700.00} from REGIONS {$9000.00} dated XXXX XXXX, and XXXX XXXX XXXX {$2700.00} dated XX/XX/2022. I accept your offer and I am returning your coupon as Tender of Payment pursuant to XXXX ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30.
Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
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| 10/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American |
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I was contacted by a team of scammers that over the span of 9 days for hours a day convinced me my accounts were compromised and I needed to wire money to a secure encrypted account through the US Embassy in XXXX XXXX. I have already filed police reports and an IC3.gov. I have also filed a police report in XXXX XXXX. I have been advised the money is gone. My real issue is with the bank, Regions Bank that i feel did nothing to protect me against elder abuse.
On XX/XX/, I went into the XXXX XXXX location, spoke with management, XXXX and asked for a wire to XXXX of all places in the amount of {$48000.00}. XXXX did ask what the wire was for and the reason for it. On the wire itself it appears to be stamped helping a family friend. I know no one in XXXX let alone XXXX and I was coached for hours to say these things. I have banked with Regions since moving to Texas and has never withdrew amounts like that. And although I am the only person listed on the account on XX/XX/ it is my belief Regions had not only a fiduciary, ethical, but above all else a moral responsibility to represent the interest of their customer, me. It is my opinion that boxes were checked and Regions moved on. They did the bare minimum and wrote it off.
On XX/XX/XXXX XXXX XXXX I entered the XXXX XXXX and wired another another {$140000.00} to XXXX. There is a pattern developing. A customer who has banked with Regions is now wiring large sums of money one would say clearing her account and it happens again after a basic set of pre prompted questions are raised with little to no depth in the responses. This wire was stamped with business start up. There are now two different responses in the span of 3 days, that should be a red flag to someone. I am not sure how many customers Regions has that takes the bulk of their account, wires it to XXXX for a business start up at XXXX years of age? This shouldnt be a red flag this should be I need to step in. By the time the XXXX is observed its too late. Further the amounts are increased well over double.
On XX/XX/, I entered the XXXX branch and attempted to wire {$240000.00}. The manager fearing a scam asked for documentation which I didnt have. I left and returned to the XXXX XXXX location and withdrew {$240000.00}. XXXX asked whatever questions he asked and the wire was sent. I know XXXX asked questions. I learned of this on Saturday XX/XX/ and took immediate action. But the manager at the XXXX location did nothing to alert other branches which Im under the impression is their policy. My son also has this recorded with the bank.
I spent the morning with my son at the branch with XXXX on XX/XX/. My son simply asked what steps Regions was going to take to make this right. The response I received was in part I did my job at the end of the day the money is yours. I stated the banking community needs to do something on a national level to which XXXX agreed. I dont hold XXXX solely liable I hold Regions liable because obviously this happened at two branches. XXXX told me how well coached I was and that he teaches classes on this subject. Full disclosure this conversation was recorded for record keeping purposes. I dont know how a XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX when she doesnt get that cup of morning coffee became a deceptive, lying telling lady capable of deceiving XXXX grown men one of which had a former career in corrections.
This is not an attack on XXXX, nor the manager at the XXXX XXXX. But this is notification that it is my belief that Regions failed their customer on three separate occasions. I was victimized, picked at random and her banking institution asked a few standard questions and off the life savings went. If we only check boxes how can we ever expect to get better, learn, grow. Asking standardized questions result in standardized results. I believe if we subpoenaed footage from the three wires we would see very little to protect my interests.
My son had asked for the policies on elder abuse identification, fraud, wire scams, etc. they have not turned them over.
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| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Regions Financial Corporation Subject : Formal Default Notice and Assertion of Intent to Initiate Legal Proceedings To : CFO XXXX XXXX XXXX XXXX, Regions Financial Corporation I am penning this communication to officially inform you about a breach of a financial obligation involving your corporation and to express my intent to commence legal proceedings due to a lack of response or written confirmation from yourself, XXXX XXXX XXXX XXXX XXXX.
This notice serves to elucidate the circumstances leading to this default and offer an opportunity for Regions Financial Corporation to rectify the situation prior to the escalation of legal action.
XXXX. Description of Default : Over 21 days prior, I duly notified Regions Financial Corporation of my intent to apply for an Auto Loan. Despite my persistent attempts to rectify perceived disparities and discriminatory practices, my good faith efforts appear to have been disregarded. I am cognizant that the commercial paper application could have been utilized as collateral for the Auto Loan. Despite this, not only was this possibility not entertained, there was an attempted imposition to use the vehicle as collateral. I am clear in my stance of not offering gifts and I had accordingly endorsed the application, lending it equitable value, and sent responses to adverse action letters through registered mail. However, these efforts appear to have been met with unauthorized representatives overstepping their bounds, leading to a breach of contract and resulting in a default with Regions Financial Corporation.
2. Detailed Explanation of the Issue : Regions Financial Corporation was duly notified in good faith 21 days prior to my application for an Auto Loan. Actions taken by Regions, perceived as disparate and potentially fraudulent, have resulted in a breach of contract between the secured party and debtor. The consumer does not offer gifts and it is disconcerting that despite policy statements to the contrary, discriminatory practices appear to be in place. Authorized representatives of Regions Financial Corporation have seemingly chosen to disregard the situation resulting in complaints being made to the CFPB, Federal Reserve, and FDIC. The CFPB has advised taking this matter to court.
3. Efforts to Rectify the Issue : I have made numerous attempts to amicably resolve this issue. These attempts include reaching out to Federal Reserve, CFPB, branch managers, and supervisors at Regions Financial Corporation on multiple occasions. These efforts have been met with unsatisfactory responses, further exacerbating the situation.
4. Demand for Rectification : Given the default, and the lack of progress in resolving this, I demand the following remedies : Will be invoiced due to the Acquiescence of schedule fee and the terms and conditions of live life Claimant, and {$5000.00} for each day the Registered Mail RF XXXX XXXX XXXX US with Endorsed security Commercial paper was ignored or hidden from CFO XXXX XXXX XXXX XXXX breech of fiduciary responsibility 5. Intent to Initiate Legal Proceedings : Failure by Regions Financial Corporation to address and rectify this default within 90 days from the receipt of first notice will leaves me with no option but to initiate legal proceedings to protect my rights and interests. This may include, but is not limited to, filing a lawsuit against Regions Financial Corporation and all officers and Authorize Agents in their personal capacity to seek appropriate legal remedies.
6. Contact Information : Please direct all future correspondence regarding this matter to : XXXX I remain hopeful that a swift resolution to this matter is in the best interest of all parties involved and trust that Regions Financial Corporation will treat this notice with due seriousness, aiming for a fair and satisfactory resolution. However, sInce there was no action within the specified timeframe, I will have no choice but to proceed with legal action without further notice.
Thank you for your immediate attention to this matter.
Respectfully, XXXX XXXX XXXX
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| 12/04/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Lien release
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|
Web |
Older American |
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On XX/XX/2023, I entered the Regions Bank on XXXX XXXX in XXXX, Florida with enough money to pay off the loan balance in full. I had already called for the exact payoff amount. I was told in an email that the payoff amount was DUE DATE OF PAYMENT : XX/XX/2023 THE CURRENT UNPAID BALANCE IS : {$33000.00} PERIODIC FINANCE CHARGE THROUGH XXXX TOTAL PERIODIC FINANCE CHARGE DUE XXXX TOTAL AMOUNT DUE FOR LIEN RELEASE {$33000.00} XXXX XXXX, Relationship Banker II, brought me inside her cubicle. I was amazed to find out according to XXXX XXXX, that the email letter could not be retrieved from my laptop inside Regions Bank because this bank with hundreds of branch offices does not have wifi in the entire bank. So, XXXX XXXX called some phone number and got the payoff amount, which is the same amount I got in the letter. {$33000.00}.
Using cash and every penny in my bank account, plus {$260.00} from my social security debit card, XXXX XXXX, an experienced banker who completely knew that I was there at the bank for the purposes of PAYOFF and LIEN RELEASE then got up from her chair, went to the tellers, and came back with a receipt for me, just a single receipt, in the amount of {$33000.00}. Naive about bank procedures for payoff of horrible loans, or any loan for that matter, I asked XXXX XXXX for reassurance. " Does this receipt verify that I have paid off the loan in full? '' I asked her. " Yes, it does, '' she assured me. " And the horrible insurance you put on my house -- this is now terminated as well? '' " Yes, '' she replied. " No more insurance payments? '' " No. '' " Well, where is the paperwork to verify all of that? '' I inquired. " It will come in the mail to you, '' XXXX replied. Most certainly XXXX XXXX knew that she was lying to me. I felt very uncomfortable since Regions Bank, XXXX XXXX, had previously lied to me about this loan/insurance to give me this despicable loan in the first place. I went home and made a call to the XXXX Regions Customer Service phone number. After much frustration I was able to get a live person. And this person told me the LOAN WAS STILL OPEN. " Why '' I inquired. " Because they ran it as a MONTHLY PAYMENT rather than as a payoff. '' " What can we do to solve this? '' I asked her. " All they have to do is re-run it as a payoff. '' But no. Regions didn't do that. Instead, they send me a letter saying there is an open investigation and the estimated Resolution Date is XX/XX/2023. This means that the loan is still open so that they can try to soak even more money and more useless, expensive despicable worthless insurance on me. I would like the CFPB to investigate and to read my previous complaint against Regions Bank because this intentional misrepresentation is further proof that Regions did me dirty in the first place by cancelling a perfectly good loan and giving me a predatory loan with despicable expensive worthless insurance after LYING TO ME and telling me that her friend, the insurance agent, would take insurance payments out of my bank account on autopay. That was a lie and then the worthless expensive insurance was placed on my house which almost doubled the monthly payments. I am so glad to be rid of REGIONS BANK and their predatory loans. They need to rerun my money immediately and remove their despicable lien from my home. I hope you will read my previous complaint about them which in greater detail proves the despicable predatory loan that they made me suffer through. This loan needs to be done and should have been done on XX/XX/2023. Instead, they are dragging this out so that they can look innocent and charge me even more money. Absolutely despicable. I am including the first complaint because now there is further proof and further evidence that I was telling the truth all along about this vile bank. Their last response letter skirted all of the important issues. This time, I want this horrible predatory loan to be closed out in full, with a release of lien letter, and an apology, etc. Just unbelievable what this bank does to people.
|
| 08/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Confusing or misleading advertising or marketing
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|
Web |
Older American |
|
TO WHOM IT MAY CONCERN : RE : REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GOOD DAY : THIS IS IN REFERENCE TO AN ERROR THAT OCCURRED BY THE BANK EMPLOYEE -- NOW TURNING INTO A DISCRIMINATORY EVENT AT THE END OF XXXX THIS YEAR ( XXXX ) MY HUSBAND WENT INTO REGIONS BANK ( WHERE OUR SAFE DEPOSIT BOX IS ) AND RETRIEVED FOUR ( 4 ) US GOVERNMENT EE SAVINGS BONDS TO REDEEM AT THE BANK. HE SAT DOWN WITH A CSR AND INFORMED THE REPRESENTATIVE THAT HE WISHED TO CASH THESE BONDS, WHICH WERE PASSED THE MATURITY DATE. THE REP. TOOK THE BONDS FROM MY HUSBAND AND PROCEEDED TO " STAMP '' THE BONDS ( TWO 2 OF THEM -- THEN SHE ASKED MY HUSBAND " DO YOU HAVE AN ACCOUNT HERE? '' MY HUSBAND POLITELY REPLIED, NO WE DID NOT HAVE AN ACCOUNT THERE, ONLY A SAFE DEPOSIT BOX. SHE THEN HANDED HIM BACK THE TWO ( 2 ) BONDS TELLING HIM SHE WAS UNABLE TO CASH THE BONDS BECAUSE HE DIDN'T HAVE AN ACCOUNT. MY HUSBAND OFFERED TO OPEN AN ACCOUNT RIGHT THEN AND THERE. SHE STILL REFUSED, ADVISING HIM THAT THE ACCOUNT HAS TO BE OPENED FOR A TOTAL OF SIX ( 6 ) MONTHS BEFORE SHE COULD CASH THEM. THEY " WALKED HIM TO THE DOOR '' AND ASKED HIM TO GO TO THE BANK WHERE WE DO BUSINESS.
MY HUSBAND DROVE TO XXXX XXXX XXXX. HE SAT DOWN WITH THE XXXX AND GAVE HER THE BONDS TO REDEEM. SHE TOOK XXXX LOOK AT THE BONDS AND SAID SHE COULD NOT REDEEM THEM BECAUSE THEY WERE " STAMPED '' BY REGIONS BANK, AND ADVISED HIM TO GO BACK TO REGIONS FOR OUR PROCEEDS.
SINCE " XXXX '' THE MANAGER OF REGIONS SAID THEY COULDN'T DO IT ... HE SIMPLY DID NOT RETURN TO REGIONS.
UPON ARRIVING IN XXXX XXXX ON XX/XX/XXXX WE TOOK THE BONDS TO OUR CREDIT UNION HERE.
WHEN MY HUSBAND WAS APPROACHED BY THE CSR HERE AT XXXX XXXX XXXX, THE FIRST QUESTION THAT SHE ASKED HIM WAS " DO YOU HAVE AN ACCOUNT HERE? '' HE REPLIED YES, SO SHE TOOK HIM INTO HER OFFICE. UPON EXAMINING THE BONDS, SHE BECAME AWARE THAT THESE BONDS WERE ALREADY " STAMPED '' BY ANOTHER INSTITUTION AND FOR US TO RETURN TO THE ORIGINAL BANK ( REGIONS ) WHO MADE THE ERROR.
TODAY IS XX/XX/XXXX AND WE ARE STILL TRYING TO PURSUE THIS UNFORTUNATE EVENT.
YESTERDAY, I REACHED BACK OUT TO XXXX ( XX/XX/XXXX ) MANAGER OF REGIONS BANK, WHERE WE INITIALLY TRIED TO REDEEM THE BONDS.
I TOLD XXXX I WAS READY TO " OPEN AN ACCOUNT '' ONLINE, AND ASKED HIM HOW MUCH I HAD TO PUT INTO IT SO THAT I COULD CASH THE BONDS IN XX/XX/XXXX AT THEIR BANK. HE ADVISED ME {$300.00} FOR A NO FEE ACCOUNT IF WE MAINTAINED THE {$300.00} BALANCE EVERY MONTH. I ALSO INFORMED XXXX, THAT UPON REACHING OUT TO THE TREASURY DEPARTMENT FOR A RE-ISSUE OF THESE BONDS, THEY EXPLAINED TO US THAT THE TURN-AROUND TIME FOR THIS TRANSACTION IS 9 MONTHS TO 1 YEAR -- MAYBE LONGER -- THEY ARE THAT FAR BEHIND. NOT TO MENTION, THAT EVERY TIME WE'VE ATTEMPTED TO REACH OUT TO THE TREASURY DEPT. THE WAIT TIME, NO MATTER WHAT TIME WE CALL, IS AN AVERAGE OF TWO ( 2 ) HOURS BEFORE THEY ANSWER.
YESTERDAY, XXXX INFORMED US THAT EVEN IF WE OPEN UP AN ACCOUNT... AND KEEP IT OPEN FOR SIX ( 6 ) MONTHS ... WHICH IS THEIR " SPECIFIC CRITERIA '' FOR REDEEMING BONDS, WE STILL WILL NOT BE ABLE TO REDEEM OUR BONDS AT THAT BANK.
AGAIN, THAT IS EVEN THOUGH WE HAVE AN ACCOUNT FOR SIX MONTHS AT THEIR BANK, WHICH IS WHAT THEY REQUIRE ( THEIR SPECIFIC CRITERIA ) TO REDEEM GOVERNMENT BONDS. WE WERE WILLING TO DEPOSIT WHATEVER AMOUNT XXXX SAID HE NEEDED, WHETHER IT WAS {$30.00}, {$300.00}, {$3000.00} OR {$300000.00}.
THIS IS, BY FAR, WITHOUT A DOUBT, DISCRIMINATION IN THE HIGHEST REGARD TOWARDS THE BOTH OF US.
NO EXPLANATION WAS EVER GIVEN TO US AS TO WHY " WE '' COULDN'T REDEEM OUR SAVINGS BONDS THERE.
WE ARE LAW ABIDING CITIZENS, RETIRED ; HAVE A CREDIT RATING IN THE 800 'S ... AND ARE NOT LOW-LIFES, OWN XXXX HOMES AND HAVE ACQUIRED A SUBSTANTIAL AMOUNT OF CURRENCY DURING OUR LIFETIME, & ARE COLLEGE GRADUATES WITH XXXX DEGREES BETWEEN THE XXXX OF US.
WE BOTH HAVE A FEELING THAT THE MANAGER WILL NOT LET US IN THE BANK TO GAIN ACCESS TO OUR SAFE DEPOSIT BOX UPON RECEIPT OF THIS COMPLAINT.
THIS BANK IS DISCRIMINATING AGAINST US.
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| 04/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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|
Web |
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I have a Regions Bank LIFEGREEN CHECKING Account. Recently I had several charges from XXXX ( shipping charges that were not taken out of paypal acct but charged to my checking acct ), taken out of my checking acct but there was no money in that acct. This resulted in XXXX each {$36.00} NSF / Overdraft Fee 's ( thats XXXX XXXX = {$380.00} in NSF Fees alone ). Now the paypal amounts themselves were credit back but all eleven {$36.00} each NSF Fees were not. In one instance a XXXX fee if {$12.00} was re-tried to my bank acct resulting in XXXX NSF Fee 's ( XXXX each time ) for the SAME amount of {$12.00}. The bank did not refund the NSF Fee 's at all. Now I read about the XXXX Dollar Fine Regions had to pay in XX/XX/XXXX for bad practices with Overdraft FEEs.
When I started having all the problems with NSF Fees, I was opted out or not opted in when I setup the checking acct ), I then I opted in for overdraft protection, but yesterday XXXX/XXXX/XXXX I received XXXX Overdraft Fees. The BS I got from Regions was they ahve XXXX types of overdraft protection and at their discrection they MAY allow payments to go thu and allow overdraft Fee 's.
Whats the point of opting out or in of Regions Overdraft protection if I STILL get {$36.00} NSF Fees each time, no matter what.
This is Deceptive and unfair business practices, and shows bad faith to consumers. Please investigate and Break the laws foot off in Regions Behind, if you know what I mean. Ideally I would like all eleven overdraft fee 's credit to my checking acct, and what punishment the law allows to reign down on Regions Bank.
Here is my info from my checking acct.
Date Type Description/Category Debit ( - ) Credit ( + ) Posted Balance XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$72.00} - {$96.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$14.00} - {$24.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$10.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$40.00} {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$34.00} {$41.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} {$6.00} XXXX/XXXX/XXXX ATM DEBIT Regions XXXX {$120.00} {$13.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$84.00} {$130.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$43.00} {$49.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$60.00} {$5.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$61.00} {$65.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$2.00} {$4.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$100.00} {$2.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} - {$97.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$330.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$300.00} XXXX/XXXX/XXXX DEBIT XXXX RETRY PYMT {$12.00} - {$310.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$300.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$13.00} - {$260.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$13.00} - {$280.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$72.00} - {$260.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$11.00} - {$220.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$230.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$170.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$12.00} - {$170.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$100.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$51.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$15.00} - {$23.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$8.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$240.00} {$3.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} {$240.00} XXXX/XXXX/XXXX XXXX XXXX BANK XXXX FEE REFUND {$36.00} {$2.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} - {$33.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$38.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$26.00} - {$2.00} XXXX/XXXX/XXXX
|
| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I started disputing information on my consumer report back in XX/XX/XXXX with all 3 of the consumer reporting agencies ( XXXX, XXXX, and XXXX ) According to The Fair Debt Collection Practices Act 15 USC 1692g I have the rights to request Validation of debt. Neither agencies responded to any of my requests just updates on my report. At the time I had little to no knowledge of consumer law. I recently mailed out letters to all the furnisher on my consumers report and disputing inaccurate and incorrect information in XXXX of XXXX. NO RESPONSE from any of them just updates to my reports. its been well over 2 months which put them in violation of consumers law. no only that they are reporting closed and charge off accounts.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Your company are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DUTY : a moral or legal obligation ; a responsibility : ACCURATE : correct in all details ; exact : PROHIBITION : a law or regulation forbidding something : As Defined By The IRS ; you must report canceled debt as gross income on your tax return.
The IRS clearly defines a CANCELED or CHARGE OFF DEBT as Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which infact makes your reporting of this account inaccurate 15 USC 1681 s-2 Says ( XXXX XXXX ) are a furnisher of information to a consumer reporting agency.
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect / inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that your are furnishing incorrect and inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial in stitution, credit union , federal government agency, or other applicable entity. as discussed earlier in XXXX XXXX.
The above paragraph is taken directly fromthe IRS XXXX Publication.
SEND ME MY FORM 1099-C that you should have sent me when you filed the account as a canceled debt. My Email is below.
15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you that you have infact been reporting inaccurate information.
The continued reporting of this information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities of a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting.
This is a final opportunity to cure and DELETE this erroneous inaccurate account from My XXXX XXXX.
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I contacted Regions Bank ( headquarters XXXX, Alabama ) on XX/XX/ to add a beneficiary designation to my account.. I've maintained my checking account with the bank for more than 41 years. I was told that in order to add a beneficiary designation to the account I would need to go into a branch office. I told the representative this was impossible, I live in Arizona, the closest branch office to me is in XXXX, Texas, over 900 miles away. They were very sorry, but there was " nothing they could do. '' Their answer is that in order to do this necessary thing, necessary according to my estate attorney, I would have to spend the money on an airline ticket, fly to Texas, take care of my business, and fly home. To be blunt, their answer is the thing that is easiest for the bank, not the thing that actually serves the customer.
They insisted they have no other alternative. I find this impossible to believe in today 's fluid banking environment. I can take money from that account and wire it overseas, I can establish bank accounts in XXXX and never step foot in the country. Money flows through the economic system like water from a pipe and anyone paying the least amount of attention knows it. If Regions is truly this far behind in being able to do business in the modern economy then they have a problem.
I spoke with XXXX account representatives, the intake rep and his supposed supervisor. The first account rep was named XXXX, the second, XXXX. When XXXX could not provide any additional information or relief for this issue - other than my flying to Texas I asked to speak to her supervisor. After being on hold for some XXXX minutes she came back and told me she couldn't find anybody above her who could " give me the same information. '' Those are her exact words and they pretty much told me everything I needed to know. At that point I told XXXX that I didn't need someone who would regurgitate the same useless answer, I needed somebody with authority to step outside of the script and help me with my problem. She put me back on hold.
After XXXX minutes the call was ended with XXXX asking me for my phone number, ( information already in my account paperwork, so, whatever ) and she would " have someone call me back. '' Frankly, I am wondering if that will ever happen particularly since during our conversation XXXX told me that " no one in our higher leadership knows anything about these policies. '' As you might imagine I found that confusing. So I ask her, " are you telling me that the senior leadership of your bank doesn't know your bank policies well enough to understand or provide an alternate solution for this? Does that answer make sense to you XXXX? '' She put me on hold, again.
I am sitting here seriously considering closing my account ( after 41 years ) and moving my business elsewhere. Which would certainly be easier and cheaper than flying to Texas to go to a branch office. But, mostly I'm thinking about moving my account because if senior leadership at Regions is indeed in capable of commenting on policies established by the bank that's sort of frightening and greatly erodes my confidence in their ability to continue to handle my money.
To be clear, I didn't deliberately get myself in this situation. 41 years ago when I established this account it was not with Regions Bank, but a smaller chain in XXXX to which I had personal ties. That small bank was bought out multiple times until it became Regions. You would think that a financial chain with an appetite for eating smaller banks would have better procedures since they are buying banks with customers all over the United States. Many of who now live in places Regions doesn't have branches. You see, that small bank I originally had my account with is in a military town with XXXX of the largest military installations in the United States, a good number of their customers are people in the military.
Thank you for your time and attention.
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| 09/10/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Trouble using the card
- Problem with direct deposit
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Web |
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I am a XXXX XXXX hired through a temporary worker service called XXXX. XXXX conducts their payroll through a company called Comdata. Comdata, where I have an account now, receives my weekly wages and provides an ATM card and the ability to transfer to an external account via direct deposit so that I can then access those funds.
There are a couple of problems. One, I never received the ATM card from them. These appears to be due to a clerical error that sent the card to the incorrect address, and has caused a cascade of further issues. Before I realized that the card was never going to arrive, I set up an automatic direct deposit with Comdata, so that, in theory, when my paycheck arrives each week at Comdata it would automatically be transferred to my existing external checking account. I registered my settings so that XXXX dollars would be left on my account after the deposit so that the funds that I received while I was waiting for my card would also transfer. The next week, Comdata did send me my full paycheck to the external account, but they did not transfer the other balance from previous paycheck. To remedy this, I attempted to add a " manual '' direct deposit account, which is another option Comdata provides. Upon attempting this, I received an error notice and was told to call customer service. Although no customer service number is provided in their portal ( a serious flaw that could lead to people calling fraudulent numbers ), I eventually found the Comdata 's customer service number and they informed me that I could not have an automatic direct deposit account and a manual account at the same time. I had deleted my automatic deposit account while trying to get the manual deposit set up, when I heard I could not have both types of accounts registered I immediately re-enrolled in the automatic account deposit. There was no message warning me that re-enrolling a manual or automatic deposit account ( even if it was the identical external account ) would require another 10 day verification window.
This resulted in more of my paychecks going towards my Comdata account balance ( that I could not access because I never received an ATM card ) instead of my external checking account. Three weeks later, when I noticed the automatic transfers had temporarily stopped and saw such a large balance in my account, I again deleted my automatic deposit account and attempted to add a manual deposit account. When I could not find the function to actually execute the manual transfer I called customer service who then informed me of the 10 day verification waiting period. This was the first time that the company ever informed me of any waiting period that would result in an inability to access my own funds. This customer service reresentative also said that it was not true that I could only have an automatic or a manual direct deposit account. This contradicts both my experience using the portal and the previous representative 's guidance.
They also told me that all Comdata automatic direct deposits had been halted because of 'fraud '. They said that this was the reason I had not received some of my funds. I asked them why they never informed me of this, and they insisted that it was not their responsibility. They also said that they would charge me money to receive a bank card sooner after they incorrectly sent the first one to the wrong address. This means that I would be paying for their errors just to access my own paycheck. Overall I believe they are engaging in malicious and dishonest practices. They purposefully do not want you to be able to easily transfer money to external accounts because then you won't use their ATM card that charges high fees for transactions and withdrawals. Furthermore, when I did not register the lost ATM card with them after a period of a few months they should have notified me or automatically cancelled the card to prevent fraud.
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| 09/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On Saturday, XX/XX/2019, I ( regretfully ) put a {$3200.00} deposit down for, what XXXX XXXX XXXX XXXX XXXX told me, was rats. The total for the services was estimated by them to be XXXX. ( They had originally told me it was to be {$12000.00} ). On XX/XX/2019, I asked him to refund my deposit because I would not be able to afford the whole service as I am a XXXX and don't get paid in the summer and have XXXX daughter in XXXX whose tuition was due. Also, at that point, I was beginning to question the amount he was charging me for rat removal. I had a gut feeling he would not refund my deposit although no where on the estimate or invoice were terms of agreement or a no refund policy, nor had I signed anything.The owner of XXXX XXXX XXXX responded to my text and said he had already purchased the materials for my job. I went to Regions Bank, which is where my credit card is from to file a dispute and gave them the information so they could submit it from their branch. I then had another company come out to give me a second opinion. I realize this is not the order in which I should have approached this situation, but when I was told I had hundreds of rats in my attic and the fume of their XXXX can make us sick, I acted out of panic. XXXX XXXX XXXX XXXXXXXX came out, took one look at the entry point of what was getting into our attic, and their type of XXXX, and concluded that we have BATS, NOT RATS, that there was NO WAY rats could get into the opening he saw on our eve. Bats are protected until XX/XX/XXXX and it is a Federal Offense to disturb them in anyway during their window of protection. XXXX XXXX XXXX XXXX XXXX would have violated that had they continued with the " Rat Removal ''. I then went back to Regions to add a fraud complaint to my dispute information. After the 30 days of my dispute ( XXXX XXXX ) Regions did credit me the money from XXXX XXXX XXXX XXXX XXXX. Friday, XX/XX/2019, They reversed that credit BACK TO THE MERCHANT. The only way I know the credit was reversed, is because I check my accounts daily, they had not given me any written notice or verbal notice prior to taking my money. One week after the reversal, I received information in the mail from Regions. The evidence that the merchant provided them was not evidence he had EVER given to me. The merchant had given them a " No Refund '' statement on a piece of paper and told them I declined to read the terms and agreement, both of which I was never even provided with from him. I did a little research about rights of credit card holders and acquired some knowledge about the law under the Fair Credit Billing Act and the Federal Trade Commission and know that I have the right to my money back. Regions Credit Card is now giving me the " RUNAROUND ''. The supervisor of the claims and dispute division was not even responding to me until I basically threatened to stop ALL of my banking services from Regions. She said she would be investigating more and is sending it to corporate office, but still can not give me my money back at this point. I am appalled that Regions would be so careless and accept false information from a company instead of protecting their customer who has a long history of banking with them. I am also questioning how much research they actually practice before making their decisions and who makes these decisions? I am also questioning XXXX XXXX XXXX XXXX XXXX as, in hindsight, am not sure if they have a business license, insurance, or tax i.d..And, does it truly cost over {$6000.00} to remove rats?! I will be reporting XXXX XXXX XXXX XXXX XXXX to the FWC and XXXX XXXX XXXX. This has been a nightmare for me and has affected me physically as well as taken time out of my teaching day to try to resolve this issue. The minimum hold time to speak with someone in the dispute department at Regions Credit Card is over 30 minutes. I have called three times and it has gotten me NO WHERE!
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| 11/22/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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I have suspected XX/XX/XXXX, and Regions Mortgage, of embezzeling through escrow and false term life insurance policys ( forgery and false documents ) and trying to charge me every month, for falsely charging for property inspections.That I know for fact.Were NOT CONDUCTED. And have been doing so scince The day I moved in. In XXXX of XXXX. I have requested over three different occasions from XXXX through XXXX to file for a family hardship and only got response of threats from both XXXX and regions together in the form of harassing phone calls and in certified mail. There are a lot of other four instances that need mentioned as far as unlawful business practices that they have committed upon me throughout 12 to 13 years. I feel like I am losing my mind it is emotionally stressing me out thinking that I might have to keep dialing down to this scrutiny for another 12 years and having to work three different jobs only to witness them stealing my money and the amount of the house not going down that I owe. I do not understand how they can charge me extra fees and everything even if there is nothing being stated in the interest column because we do not pay interest on our XXXX homes. They put it in different formation and I will never ever be out from underneath the deal with the XXXX I have made with XXXX. There for this year round XX/XX/XXXX I gave permission for first home resources to do an audit on regions they said that they had submitted things to the Consumer Protection Bureau however when I call the Consumer Protection Agency of my state they can not find anything under my name or my residency. I am completely glad that I did not pay the {$2100.00} to first home resource because I'm not for certain that they even did file the information of embezzlement the proof that I needed. I did not have the {$2100.00}. Not to mention the amounts that XXXX has brought before me and the amount on the statements for Regions do not concur with each other or one another. I just want to be out from underneath this Albatross I feel as I'm going mad I already have a XX/XX/XXXXcondition and I have documentation proving of this XXXX. It is completely throwing me over the edge physically and definitely mentally. What I thought was going to be an asset to my benefactors if something should happen to me has only ruined my life. Please I need help please I was trying to get help through first-time resource but I can't afford them ... I have requested over three different occasions from XXXX through XXXX to file for a family hardship and only got response of threats from both XXXX and regions together in the form of harassing phone calls and in certified mail. there are a lot of other for instances that need mentioned as far as unlawful business practices that they have committed upon me throughout 12 to 13 years. I feel like I am losing my mind it is emotionally stressing me out thinking that I might have to keep bowing down to this scrutiny after another 12 years and having to work three different jobs don't lie to witness them stealing my money and the amount of the house not going down that I owe. I do not understand how they can charge me extra fees and everything even if there is nothing being stated in the interest column because we who live in XXXX houses do not pay interest that is one of the perks. But not if they're embezzling through everything that they can on the side. And when I contacted XXXX and ask them about this they replied and I quote how can you complain when you pay less than anyone you can even pay that anywhere else a month that's their explanation they never look into it either. I need help getting out from underneath of this I looked up how I need to proceed I did read the white paper the United States government I do know where Consumer Protection Agency originated and it originated because of real estate I need your help you guys please call me
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| 04/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Companies Involved : Region 's Bank Mortgage Group, XXXX XXXX ( XXXXXXXX XXXX ) Complainant : XXXX XXXX & XXXX XXXX XXXX We applied for a construction loan via Region 's Bank Mortgage which was handled by XXXX XXXX as primary. Our situation was unique in that I had been technically unemployed for 12 months while awaiting closing on a XXXX XXXX Loan which was disclosed during the loan process.
We received a letter of approval from Region 's and entered into a contract with XXXX XXXX and sent in a check for {$45000.00} as a downpayment. I was told that there was very little chance we would not be approved for a mortgage due to our net worth and credit scores above XXXX Things went awry as we entered final underwriting- we were " approved '' with a major XXXX** **We were asked to put all our cash assets and liquidate IRA 's into a trust to draw {$11000.00} per month income. Given that we were awaiting final approval on an XXXX XXXX loan, this would have ended our ability to buy a business and crushed us tax wise.
There were two verbal statements made by Region 's mortgage that concerned me greatly and reminded me of behavior that led to the crashes of XXXX.
A. XXXX the closing coordinator told me we should grab this loan because internal compliance at Region 's bank felt that this type of loan was problematic and not compliant although they would get it approved. I was told it wouldn't be offered very much longer due to internal control concerns of their Risk team.
B. XXXX XXXX directly told me on two occasions, that as soon as the loan closed we were free to cancel the trust, which made me feel as if I would be committing a fraudalent activity just to get past their underwriters.
2. When I consulted my XXXX banker and Financial Advisors, I was told that these activities would endanger my business loan. I informed the bank that the terms of their XXXX were un-doable ... .and then things got worse.
A ) I asked XXXXRegion 's to help me recover my {$45000.00} deposit, however, they stated repeatedly that I " just didn't want to close '' despite very real issues.
B ) XXXXRegion 's then relayed to the builder, XXXX XXXX , that we just didn't want to close vs the serious issues above. XXXX XXXX at that point informed us that they would keep our entire deposit due to the banks absolute insistence that " we didn't want to close '' and wouldn't negotiate any settlement due to these statements C ) The builder 's sales manager, XXXX XXXX, relayed to my wife and I that he was very good, close friends with XXXX and XXXX ( the closing manager ) and that what they said was 100 % the reason that we couldn't negotiate a refund or any settlement D ) I again asked XXXX XXXX for help on this matter to reiterate that Region 's position was untenable but they began ignoring our pleas. They then sent me a denial finding letter after it was clear the loan wouldn't be viable.
I would ask this from the CFPB : - Should Region 's have made a pre-approval on this loan given our circumstances- Should a banker 's personal opinions and friendships with builders regarding his clients finances be relayed to outside parties such that they can take advantage of clients. Why make inflammatory and untrue statements?
- Should Region 's be allowed to make these grey area XXXX XXXX XXXX XXXX loans when the client may be impacted or maybe not approve them at all? Giving me the advice to set up a trust and then close it felt like bank fraud.
- Was there any collusion or financial kick-back from XXXX XXXX XXXX to Region 's bank personnel?
- Is there any penalty to Region 's for their actions to gain return of my {$45000.00} deposit, given their actions directly led to its loss?
- Last, Can a Bank be banned from doing business with certain homebuilders due to improprieties in personal friendships and causing clients to lose money?
Thank you for assessing these concerns.
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| 01/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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XX/XX/XXXX, I locked on my interest rate and the general terms of a mortgage from Regions Mortgage in XXXX. I received a closing disclosure, which had several errors ( extraneous charges approx. $ XXXX ), which I had corrected. In the closing disclosure, the lender estimated the Lender 's title insurance to be {$1100.00} and the Owner 's Title Insurance to be {$3000.00}.
While we did replace insurance carriers, prior to closing ( XX/XX/XXXX ) the purchase price, mortgage amount, interest rate, Lender 's and Owner 's Title Insurance amounts remained constant. On the afternoon of XXXX XXXX, the day before close, the lender provided an updated closing disclosure document listing revised numbers for the Lender and Owner 's Title Insurance of {$1100.00} and {$6200.00} respectively, which is an increase of {$3100.00}. Based on my review of the Consumer Financial Protection Bureau site, is not permitted.
Summary of concerns : Last notice and scope of change AND no proactive notice of change. Delivery of the closing disclosure the day before close AND without proactive notice of the change eliminated time to shop or negotiate for an alternative attorney and or title company.
Gross miscalculation of Owner 's Title Insurance. The maximum rates for Title Insurance were mandated by the State of Georgia XX/XX/XXXX. It is a simple formula AND none of the important numbers ( purchase price, mortgage, down payment, etc.. ) changed during the entire lending process, so there is no excuse for inaccurately estimating these fees in all prior closing disclosures.
Realization that the attorney / title company makes up to XXXX % commission on the sale of title insurance. While the disclosure in the attorney / title company commission used to be in the HUD forms, it is no longer included, so I received no notice of this commission o The attorneys made ( $ XXXX {$6200.00} = {$7400.00} XXXX = {$5900.00} in commission ) plus {$950.00} in other fees for a grand total of {$6800.00}. This is pretty amazing for a few of hours of work, not all of which were conducted by an attorney.
General disclosure. The attorney / title company, lender or real estate agent never mentioned I had the right to secure my own title insurance policy. Also, I can not find this disclaimer in any of the paperwork received by any of these companies. Additionally, until the attorney presented me with a disclosure that he represented the lender and not me, no real estate professional mentioned to me that I could or should have my own representation present.
Presentation of detail. It would be one thing if I missed the fine print, but I was never presented a HUD1 during this process, which would have disclosed the commission.
Risk to closing. In preparation to close, I had to wire transfer the funds two days prior to close. If I had not secured a lower cost of home owners insurance, I may not have had the funds present in order to close on time and I could have incurred penalties.
My objective in filing this complaint with the Consumer Financial Protection Bureau is to determine if I could have negotiated with an attorney to return the majority of the commission from the commissions they received from the Title Insurance commission. If this was legal at the time of closing on the house ( XX/XX/XXXX ), I want the lender to make me whole by repaying me {$4700.00}, which is 80 % of the commission from the title insurance or I want {$3100.00} back from lender. In addition, I very much want to change the disclosure rules required of the real estate agent, mortgage lenders, title companies and attorneys in the State of Georgia.
In my opinion, capping the cost of Title Insurance it eliminates serious competition and thus harms consumers. The lack of proactive disclosure around options and the undisclosed and significant commission received by the attorney / title company is shameful.
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2022, I felt as if I had no choice but to close my personal account as well as my business account ; due to the negligence and lack of experience of the bankers/notaries at this specific Regions location ( XXXX XXXX XXXX XXXX XXXX. I have been serviced in multiple Regions Banks, throughout the course of XXXX years, but I have never received such unsatisfactory treatment as I did on that day. I still feel as emotionally distressed as I did when it occurred. I only went into Regions to simply get a document notarized, but I had no idea that it would become the most stressful situation I have ever encountered within a branch. Based on what I experienced, I felt as if my level of intelligence was judged, and I was led to believe that I was being delayed of service without any reasoning due to their reckless disregard of my truth. A notary 's prime obligation is to witness that the signee of the presented document is in fact the person that they claim to be by verifying their identity. As the signee, it is my responsibility to swear, in front of this witness/notary, that everything I'd indicate as applying to myself on the document is true. The notaries at this branch were under the misimpression that they would somehow be held accountable for what I chose to attest, and that the " policy '' that they refused to show me was hindering their capability of assisting me with their free notary service. Evidently their lack of experience and pride would not allow them to take into consideration any of the knowledge I was presenting. At one point I even questioned if I was being discriminated on because of my race or gender. I continued to watch the first banker individually help XXXX women and then redirect the servicing of another male towards the direction of the other bankers. It was so embarrassing for me to have to sit there and watch the first banker resolve only the needs of women all while ignoring the fact that I was patiently waiting for as long as I did. I was told by a second banker that the first banker was only ignoring me because I had insisted that I did not want his help and at that point I just became flabbergasted. I really couldn't believe that such a professional could just blatantly ascribe a sentiment that wasn't mine. I was also told that I should just take my business elsewhere by just going to XXXX and paying for a notary. I spoke to XXXX different bankers, and they all seemed to have the same agenda as far as with trying to provoke me, kick me out, make me feel ignorant, or further delaying my needs. I became overly stressed, thus forfeiting my request for their service altogether. I was so frustrated that I had them close my accounts, drove to their competitor XXXX XXXX XXXX XXXX ), and opened a new checking account. They not only provided me with exceptional customer service ; they also notarized my document without any confusion or hesitation as to what they could or couldn't do and didn't appear to perceive me in any means as a threat. I was so relieved that I decided to go back into Regions and showcase the progress that was achievable by their competitor, but I quickly became drained when the third banker/notary insisted that their competitor just goes by " a different policy. '' The staff at Regions had no remorse for the substantial amount of stress they put me through. Shortly after I left, I called the phone number to their corporate office. I got a temporary sense of relief as the operator noted the incident and empathized with me, but despite feeling like I was understood by the operator, my level of anxiety and self-confidence has become irregular. I'm having trouble sleeping and lately have been feeling like I need to take XXXX to XXXX showers in XXXX day just to feel good about myself again. This was an extremely unsettling experience and I just feel so humiliated about this whole situation.
|
| 12/31/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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This is a formal complaint against Regions Financial Corporation in regards to an incident that occurred on XX/XX/2016. I have been a loyal Regions Bank customer for over twenty years. I am very disappointed that Regions chose to disregard my years of patronage as well as my financial security. I feel like I have been violated, not only by criminals, but also by Regions Banking personnel as well. On XX/XX/2016, at XXXX CST, I went to the Regions branch on XXXX XXXX in XXXX, TN to make an ATM withdrawal of {$40.00}. Upon completion of my transaction, I received my receipt and noticed that my balance was substantially less than what it should have been. There was {$16000.00} missing from my account balance. I immediately proceeded into the bank to inform banking personnel. I first informed a banking teller. I told her that something fraudulent had taken place on my account, because I just withdrew {$40.00} and my balance is showing a decrease of an additional unauthorized {$16000.00}. She asked me did I have my ID and the receipt, which I gave to her. Then she looked up the information in her computer and confirmed that there had been a transaction that decreased my balance by an additional {$16000.00}. I asked her did she know what happened, because I did not authorize the transaction. She then referred me to speak to a banking specialist because she did not have that information. So, I went and sat in that particular waiting area. After a couple of minutes, XXXX XXXX asked me if I needed any assistance. Once again, I informed banking personnel, XXXX, of fraudulent activity seeing that my account balance had decreased by {$16000.00} that I did not authorize. He responded with, " Oh my, let me see ''. So, he walked over to his desk and returned and said that another banking personnel, XXXX XXXX, would assist me because, and I quote, " I have already clocked out ''. He also stated, " XXXX XXXX is finishing up with another customer and should be with you shortly ''. I waited for another five minutes and XXXX came to assist me. After he took me to his workstation, I informed banking personnel, XXXX, again that fraudulent activity had occurred on my account. I told him that I just withdrew {$40.00}, and my balance showed a decrease of an additional {$16000.00}. He said let 's look at your account and see. After I gave him my information, he pulled up my account on his computer and asked me if I knew XXXX I informed him that is my mother. Upon reviewing my account, XXXX alleged that my mother authorized the transaction. I adamantly denied that neither my mother nor myself authorized the transaction. While discussing this concern with XXXX I did call my mom and she confirmed that she did not authorize any transaction of this amount ( {$16000.00} ). Even though both my mother and I stressed that this transaction was unauthorized by either of us, XXXX insisted that no fraudulent activity had occurred. XXXX then assured me that my money was fine. He said, and I quote, " You can go home and sleep in peace. Your money is not gone. It is simply in another account. '' He did not put any alerts or anything on my account, because he said it was fine. At that point, I trusted XXXX at his word, that everything was okay. As a result of this negligence from Regions banking personnel, XXXX, fraudulent activity continued to occur on my account the following day. On Friday, XX/XX/2016, I found out my account balance was missing an additional unauthorized {$21000.00}. It has been over three weeks since this fraudulent activity occurred, and I still have had no resolution, and no recovery of my funds. Regions Bank has made me feel as if I do n't matter nor does my financial relationship that I have established with them for over two decades. I am extremely dissatisfied, disheartened by the lack of sensitivity, urgency that Regions has shown in this matter.
|
| 10/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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In XXXX of 2020 I contacted the customer service for Regions Bank in an effort to have an overdraft fee removed. I assumed this would be no issue since I had been with the company for almost 10 years and my accounts rarely if ever go overdrawn. The customer service rep informed me that I would need to speak with someone inside of a branch and directed me to the Regions located at XXXX XXXX, XXXX in XXXX, FL. I contacted the branch and spoke with someone who was unable to handle the situation so I asked to speak with the branch manager. The branch manager, XXXX ( I do not know her last name, but I am told she also goes by XXXX or XXXX XXXX, was unnecessarily hostile and rude with me. So much so that I requested to speak with a regional manager to complain about how she spoke to me. She refused to give me any contact information for the regional manager and proceeded to hang the phone up on me. I contacted the customer service number and filed a formal complaint on her the same day, and requested to have the regional manager contact me but no one did.
Fast-forward to XX/XX/2020 I received a letter saying that ALL of my bank accounts would be closed effective immediately. I called the customer service number, assuming this had to be a mistake. The customer service reps had no idea what was going on. They informed me that there were no notes in the system explaining this and could not give me a reason as to why this was happening. They told me that the branch located at XXXX XXXX, XXXX in XXXX, FL. was responsible for closing my accounts and that I would have to contact them. I called the branch and spoke with someone named XXXX who said that the " back office '' closed the accounts and when I asked why she said that the bank has a right to end a relationship with anyone at any time. That was the only explanation I got and when I pressed her for more information she put me on hold and hung the phone up on me, twice. I drove over to the branch on Monday XX/XX/2020 to speak with someone to find out what was happening and get a better understanding of the situation. As soon as I arrived at the window and without any hesitation the lady at the window demanded my driver 's license and then proceeded to withdraw all of my money from my accounts and hand it to me as a check. I NEVER AUTHORIZED OR REQUESTED THIS TRANSACTION! I had pending transactions waiting to be debited from my account and I had more than enough money in the accounts to cover them. I would never have withdrawn money knowing I had pending transactions, and now the accounts have gone into overdraft with fees.
So far the company has not given a satisfactory answer as to why my accounts were closed. HOWEVER, through my own investigation I have uncovered the real reason why this has happened. There is a CURRENT EMPLOYEE at this specific branch and they have informed me that the branch manager XXXX is responsible for closing my accounts. The CURRENT EMPLOYEE explained that XXXX has expressed to the employees at the branch that she is angry about the complaint that I made against her back in XXXX, and that she closed my accounts in retaliation. The CURRENT EMPLOYEE has also expressed that they are willing to testify to this and speak with anyone investigating this. The CURRENT EMPLOYEE has stated that they want to also report that this is not an isolated incident, and that the branch manager has done this multiple times before to other customers of Regions. I will provide the CURRENT EMPLOYEE 'S name and information once I am contacted.
I have contacted several agencies searching for assistance including the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and several others. I am also taking this experience to my local news station in an effort to spread the word to as many people as possible to AVOID using Regions Bank because this is how they treat their loyal customers.
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| 06/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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Web |
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On XXXX/XXXX/2015 I filed claim for fraudulent transactions on my account I also called Regions before the transactions even posted on XXXX/XXXX/2015. I have phone records to prove I called so this is the actual day the investigation started. Regions canceled my card and told me to call back because the transactions were still pending. The transactions posted on XXXX/XXXX/2015 and I faxed them a written claim which I still have the XXXX page that shows the date the claim was sent. The total amount of unauthorized transactions was {$2000.00}. Once the claim was filed I had to wait 10 days then I got a provisional credit, and if anything changed I would be notified. 105 days later Regions reversed the credits because the merchant provided some document that had some personal information that just about anyone could get if they had over 3 months to-do so. On XXXX/XXXX/2015 Regions took {$2000.00} out of my account and I had no idea this was going to happen. They told me they sent a letter on XXXX/XXXX/2015, but I did not get it. Even if I would have got the letter it would take a few days for me to receive it. Regions told me on XXXX/XXXX/2015 is when they gave me notice, and even though that is incorrect they still went past 90 days ( max for any claim ) they had to investigate, but for some reason they feel they actions were within Regulation E guidelines. I asked them why they think they were within these guidelines and they would only say they were and kept trying to end the call. I asked then why they did not send the letter certified or a call me, or email me instead of supposedly mailing out a letter. I asked for a copy of this letter and all other support for their decision ion and they told me no that I could go to branch if I wanted. I replied would love to but they took al the money I had and I took vacation time at work because I did not have gas money to make it to work much less a branch. I had just enough cash on me to buy dog food, and I have been depending on neighbors and friends to get food for myself. Regions put me in a horrible situation and can care less they did so. I was lucky to have god people in my life to help me or I would not have any food. This is no means an exaggeration they came close to ruining me completely, and they are still trying their hardest to do so by kicking me while I am down. They altered my ledger on the account so that transactions that already posted or pending would be send back has unpaid and charge me an NSF fee. They did not reverse the credits until XXXX/XXXX/15, but the transactions show up has coming out of account on XXXX/XXXX/2015. The problem with their scam is I used my debit card after these credits posted. That is impossible because I do not have overdraft and my account would have been negative if the XXXX/XXXX/2015 was true. It is not and I printed an online statement that proves Regions pulled this scam and returned transactions that should have been paid. Also I do not think reversal of provisional credits can cause transactions already made by the customer. Regions think it is ok to do so and go past 90 days to reverse a claim but somehow be within Regulation E rules. They think by saying they are I will just accept it a give up. Regions is violating several rules within regulation E and someone needs to stop this and make sure they realize they can not do whatever they want and treat people like they do not mater.. Their defense is no matter what their actions are they are in within bank regulations, and are unable to provide the customer with the reason they did not violate the laws put in place to regulate them. The reason they can not is it is simple math and the math does not add up to be in their favor. Even if one decided to use written notice date XXXX/XXXX/2015 they are still 2 days past the 90 day limit if XXXX/XXXX/2015 is considered valid.
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| 09/14/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX XXXX 2015 ( Monday, XXXX/XXXX/15 ), I was the victim of an identity theft on my personal checking account from Regions Bank. My account was defrauded {$500.00}. Additionally, as the ATM used for the fraudulent transaction was operated by XXXX, my account was deducted {$4.00} in ATM usage fees from XXXX, {$2.00} in ATM usage fees from Regions, and {$2.00} in account balance verification fees from Regions. Altogether, my personal checking account from Regions was defrauded {$500.00}. Upon discovering that I was the victim of an identity theft, I immediately contacted Regions Bank and informed them of the fraud. I explained to Regions that my debit card was in my possession the entire time, was never stolen/missing, and was never given to any other individual for use. Whether by skimming or another card hacking device or technique, my card and pin were compromised and used at a local ATM for theft. I was instructed by Regions to destroy the current debit card in my possession as that card would be cancelled in the Regions system. Per Regions Bank, a new card would be sent to me and the fraudulent transactions would be flagged and investigated. I was instructed to stop by at a local Regions Bank branch to sign the requisite forms, including affidavits, verifying that the withdrawal was indeed a fraudulent transaction. As this happened on XXXX XXXX, the banks were closed. The very next morning ( Tuesday, XXXX/XXXX/15 ), I stopped by the XXXX branch in XXXX, LA to complete the forms. I checked in with Regions Bank on Friday morning, XXXX/XXXX/15 to inquire about the pending investigation. I was told that my claim was denied for a return of the stolen funds as this was an ATM withdrawal and, per Regions, the only way money could be withdrawn was with the use of my card and my pin. Additionally, as I was " in the area '' ( XXXX XXXX is not that big of a city ), my claim was denied. A notice would be mailed to me and arrive shortly explaining their denial of the claim. Their " investigation '' took less than 2 business days. I asked them to take a look at the ATM video footage of the withdrawal in question in order to verify the identity of the actual person who committed the crime. Per Regions, as this happened at a XXXX location, they can not review ATM footage unless the local police department conducts an investigation and receives the video footage ; to then hand over to Regions Bank. It was at that moment, days later, that the bank advised me to contact a police department and file a police report. Currently, this matter is being investigated by XXXX as the crime happened in XXXX XXXX, LA. I 'm filing this complaint for several reasons:1. Regions Bank advised me to contact the local police AFTER their investigation and claim denial. If a police report is a vital part of a bank 's fraud investigation, then the consumer and identity theft victim should be advised upon reporting a fraud.
2. Regions is apparently not up to date on current fraud techniques and, as such, can not provide adequate consumer protection.
3. I do not do business with XXXX. If Regions and XXXX allow account holders to access funds using each others ATMs, they should be able to exchange information regarding cases of fraud or other financial crimes.
4. Throughout the claim process, I was treated like the perpetrator, not the victim. I was told by several Regions associates ( names withheld ) that as the withdrawal was at an ATM, the individual accessing the funds had to have been me. I was told that as I was " in the area '', the fraud was most likely committed by me. The only way that I, the victim, can expect any level of consumer protection and restitution is to do the legwork of the bank : Providing data, contacting XXXX to request a release of the video footage to the police, and acting as an intermediary between the banks.
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| 06/29/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I am writing to inform you of predatory lending practice of Regions bank of {$35.00} per transaction that this bank has charged which now has my account in the negative {$310.00}, and to notify you that I have not wanted transactions to process with funds availability. The bank has furthermore not responded about erroneous charges as I emailed the CEO of regions bank, XXXX XXXX at XXXXXXXXXXXX on XXXX XXXX @ XXXX XXXX as time stamped on the email and have not heard back from Regions bank. I understand that banks control currency and therefore think we are their slaves for products such as ( XXXX ) but we are not and as a XXXX I am offended under the United States Constitution that gauranteed my right to freedom of religion, and this must stop or I will need to seek legal civil litigation.
The average overdraft fee is about {$30.00} per incident. In addition, many banks charge extended overdraft fees. At Regions it can cost {$210.00} to borrow {$6.00} for six days as a result of the {$35.00} extended overdraft fee. Even worse, nearly 50 % of banks in the country will re-order transactions to increase the number and amount of overdraft fees charged. Rather than debiting money from your checking account in the order that the debits occurred, banks often debit your account in the order that they wished the transactions would have occurred.
Because overdrafts are so expensive, the vast majority of people avoid them. In XXXX, an overdraft line of credit is a cash management product that makes sense for everyone. Keeping too much cash is expensive, because it could be better invested or placed into a long-term certificate of deposit. People of all economic backgrounds take advantage of generous overdraft lines of credit, which charge very low interest rates. Borrowing {$6.00} for six days would only cost a few pennies in most large XXXX banks.
However, American banks have made going overdraft a sin and high overdraft fees the punishment. As a result, people with money have completely avoided overdrafts. Only a small percentage of the population uses the overdraft product. 8 % of bank customersgenerate 75 % of overdraft fees. Overdrafts have become a short-term borrowing mechanism for people who have no other option. And overdrafts offered by banks are often more expensive than payday lenders. The typical payday lender charges {$15.00} to borrow {$100.00} for XXXX weeks. As I mentioned in the XXXX XXXX XXXX example, large banks are charging much more than that.
A banking practice is considered predatory when it meets a few definitions : It targets people with low income or limited financial meansIt charges a price that is dramatically higher than the cost of providing the serviceIt has opaque and complicated pricing that makes it difficult to understand the true cost of the productIt charges the fee when someone is in a vulnerable position and has few alternativesOverdraft fees meet all of those requirements. The price of an overdraft is dramatically higher than the cost of providing the service. Banks charge an average of {$30.00} to decline a transaction, which costs the bank close to nothing. When banks approve a transaction, credit risk is taken. However, the banks are charging effective interest rates above 400 % in the form of fees. The banks are addicted to the revenue, which is why the revenue remains despite the backlash.
As overdrafts become more expensive, fewer people will use the service. Banks will extract more revenue from people who have fewer funds and a lower net worth. In my opinion, overdrafts are predatory and action is required.
Thank you for your time and attention with this matter and may the peace of XXXX ( through XXXX XXXX, XXXX XXXX ) which surpasses all understand, be with you, Amen.
Respectfully, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
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| 07/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Over the past year, I have been charged {$820.00} in fees by Regions Bank. The largest percentage of these fees are in connection to my checking account which can be categorized as overdraft fees, overdraft transfer fees, and international service charges. I participate in online banking which has a feature of setting a balance threshold at which time I receive alerts by text and email notifying me of a low balance. Over the past year, I have had to go into my account and repeatedly redo these settings because I never received the alerts as I had set on the settings page. It was as though the system cleared itself and I had start fresh all over again. Because the system did not alert me as it was supposed to, my account went into the negative on more than one occasion resulting in fees. I do not feel I should be held responsible for these fees because I depended on a service that I opted in for but did not receive. I tried bringing this to the banks ' attention by calling in more than once only to be told I would need to go in and reset my alerts once again. Only recently ( approximately 2 months ) have I actually been getting the notifications like I am supposed to. Whenever my account did go into the negative, I was very quick to bring the account into the positive by making an adequate deposit ( usually within 24 hours ) that covered the fees ( sometimes well over {$100.00} ) plus additional funds. Never did I let the account sit in the negative for any length of time nor would I have allowed it to go into the negative had I been alerted as I thought I would be according to the terms of service when I opted in for low balance alerts. I have a total of 5 accounts with Regions to which there is very regular activity of deposited funds. I contacted Regions today regarding a late fee I was assessed on my credit card account for a payment that was actually received on time. They did refund that fee. This made me start looking at all of the fees I had been assessed in total over the last year. I was shocked to see it added up to over {$800.00} so I asked the representative if anything could be done and also explained the problem I had had with the alerts. I also explained that it was my understanding that banks were requested by the federal government to waive fees assessed during the Covid Pandemic time period. ( I understood specifically that fee refunds were not automatic and that a customer had to ask the bank directly. The representative first chuckled and said he had never heard of any such thing. He said he only saw 2 recent fees which he did refund to my account. When I asked about all the others, XXXX in total, he acted confused because he didn't see them. He completely ignored me giving no response regarding the international service fees. He escalated the issue to a manager named XXXX located in XXXX. XXXX put me on hold to " research '' the account only to come back to the line and tell me he could not help me. Until today, I had never requested a fee reversal with Regions because I did not want to be that customer who thinks the rules do not apply to them. The transactions that actually put the account into the negative were always recurring charges. None of them were random expenditures for unessential goods.But enough is enough. I have been affected by the Pandemic by losing my source of employment. Fortunately, I have had an inheritance to sustain my husband and myself during these tough times. However, that does not give Regions the right to ignore a problem with their system and collect fee after fee from me which could have easily been prevented. I did my due diligence by trying to prevent the fees with opting in to low balance alerts, reported the issue to customer service, and immediately rectified the resulting negative balances by taking swift action and making deposits.
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| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I applied with Regions Bank to obtain a mortgage for my first home. I picked out a house for XXXX in XXXX XXXX and closing would be XXXX on XXXX/XXXX/XXXX. I received a closing disclosure estimate on XXXX/XXXX/XXXX through email with cash to closing of XXXX. I have a deposit of XXXX which will bring the cash to close to XXXX. I continued to receive closing disclosure through the mail two more times with different numbers. The initial amount and cash to closing is XXXX difference. I figured it is just a mistake because I have yet been approved by Regions and they are still working on my paperwork. The numbers will be straighten out once my loan is approved. My loan is finally approved on XXXX/XXXX/XXXX but Region loan officer have n't given me the final estimate for the closing disclosure. I contacted them multiple time throughout XX/XX/XXXX to XX/XX/XXXX, which is closing day. The loan officer told me that they are waiting for final inspection on the house before the final numbers can be given out. Final inspection was on XX/XX/XXXX and I still have n't receive the closing disclosure. XX/XX/XXXX, the day before closing, I received the final closing disclosure. The cash to close was XXXX with a credit from XXXX of XXXX. I called the loan XXXX to inquire about the credit and he said that Regions would pay part of my closing cost. In my mind, I thought it was Regions gave that credit because I was promised a 3.875 rate with XXXX discount points from my loan officer but he never gave it to me. On the final closing disclosure, the rate was 3.75 % with .5 % points. I thought that credit is because of that discrepancy. My bank could not wire my cash to closing to the attorney because it was late in the day so I had to wait the day of closing to wire the cash. Regions told me that they could n't process my final closing disclosure because their computer had a glitch so that is the reason I receive the closing disclosure a day before closing. On the day of closing, XX/XX/XXXX, I went to my bank which open up at XXXX. I called my attorney that I will be a little late. At XXXX, Regions sent me another closing disclosure. This is 20min before closing, are they serious? I am about to enter my bank to wire the funds and they sent me a new closing disclosure? It turns out my cash to close is XXXX, not XXXX. That is XXXX more than what they sent me on XX/XX/XXXX. What happen if I already wire the money and I am sitting at the closing table and they sent me that final closing disclosure? I should have receive the final closing disclosure 3 days before closing like the law recommended so that I can plan out my days before closing and getting all my funds together. What if I do n't have that extra XXXX to close? I would have defaulted at the closing table. The builder will charge me XXXX per day if I do n't close on XX/XX/XXXX and I could be facing legal suits from them. The only thing the loan officer told me is that he ca n't do anything for me because that is the final number. I can walk away and redo the loan but I have no choice but to close on XX/XX/XXXX. I am backed up in the corner, I have to close. By receiving the closing disclosure 20min before closing was very discomforting in the services Regions provided. The final number could have made me not close that day. XXXX is a lot of money for a last minute update. I contacted Regions customer service and told them my situation and all they said was the complaint is filed and they may or may not contact me. Are your serious? I need to be contacted so that I can be heard. I received multiple closing disclosures and I do n't even know which is real and which is fake. I was approved on XX/XX/XXXX and closing is XX/XX/XXXX, if there was a glitch in the system why did n't they tell me and waited until the day of closing to tell me? That is too convenient.
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| 09/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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I have been banking with Regions for several years. I feel I was a victim of a very unfair and unprofessional practice that I want to bring to your attention. I shared my concerns with Regions and even escalated to Regions management, but I still and not satisfied with their response. I am facing a possible foreclosure and keeping track of my finances is very critical for me right now. I opened a second checking account with Regions a few months ago to help keep my bill money separate from my spending money because I was having trouble with overdrafts. For a variety of reasons, my main checking account was recently overdrawn but I had a few dollars in my savings account which has overdraft protection. Funds were pulled from my savings to try to cover the negative balance, but they were not sufficient enough to bring the account to the positive. So in order to keep my next pay check from being depleted trying to cover the overdraft, I deposited it into my XXXX checking account. I thought it would be safe there so I could access it when needed to pay my bills. Mind you I have 60 days to resolve the matter with my account and bring it positive before it is closed out. The problem is that Regions has a policy, called " sweeping '' where they will pull monies from any accounts linked to my name to help cover the negative balance. So on XXXX/XXXX/16 they deducted {$380.00} from my account without my knowledge. I was continuing to use my debit card for a few days thinking I had money in my account. After my card was declined on a transaction, I looked at my online transaction history to see what happened. I was confused until I saw a strange deduction from my XXXX account that went to my XXXX account. I then sent an email to the bank asking them to explain what happened and why they did it. They explained that their policy allows them to sweep all linked accounts after 15 days to try to recover funds. I do n't have a problem with such a policy, but it was new knowledge to me. I had another account with Regions a few years ago that closed and at no time did they " sweep '' my main account to help cover it. So I was not aware of that practice. I found out after I contacted customer support AND a few days later when they mailed me a letter stating they withdrew the funds. My problem is that in all fairness and respect, I should have been contacted prior to them withdrawing the funds so I would know what to expect. Taking money without my knowledge, to me is wrong. Again, having had several cards and accounts with Regions I admittedly always do n't read the super small print on the brochures when the cards arrive in the mail. But again, my trust and knowledge was formed from my years of service with them and the fact this has never happened before. How much more effort would it take to notify a consumer BEFORE such drastic actions as opposed to AFTER. Now both of my accounts are overdrawn. The amount the deducted did not even bring the account current. It simply overdrew them both. On top of that, the charges I continued to make with my card, caused overdrafts too. And what I think is fair, is they they credit me the cost of the overdrafts because I did not knowingly and willingly make transactions against a negative balance. The negative balance from my XXXX account was created when they took out the money. What I would like is for their process to be challenged so that the consumer has fair and advanced notice/warning of what is expected to happen. I feel they do n't respect me or my concerns. If I had several thousand in the bank I would not have even noticed it. But I do n't have that kind of money. And I am facing foreclosure and other pressing issues, and every dollar is important to me right now. I just want to be heard and respected. And I hope you can challenge them on this practice.
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| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In short, I have lost my XXXX/income due to Covid-19 government restrictions and human reactions to the pandemic and Regions Mortgage is unwilling to provide any mortgage modification assistance to help me get through this unimaginable and uncontrollable situation. I spent 20 years learning my industry and spend 10 years building a XXXX in providing XXXX XXXX XXXX XXXX XXXX for live corporate and conference events. My XXXX closed at the end of XX/XX/2020 and will not likely resume for at least another year. I have never been late on a loan payment of any kind and have a credit score in the high 800s.
I contacted Regions Mortgage in XXXX to notify them of the impact that this pandemic has had on my business and income, in which I immediately put my mortgage into a 4 month forbearance. At the end of those 4 months, I contacted them again as nothing had changed for the better in my financial situation and entered into another 3 month forbearance.
On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX VP of Regions Bank XXXX Head of Consumer Banking ( attached within complaint ) to begin a conversation of how we can be fair to one another and also allow for some mortgage relief due to a situation I was forced into through no fault of my own. XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) was prompt to respond and we opened up a dialogue.
By the beginning of XXXX, there had been no movement from Regions Mortgage so I followed back up with XXXX to get the dialogue restarted. I received a call from their Default Supervisor, XXXX XXXX who offered me the solution that had been approved by Regions Covid-19/Loss Mitigation team, which was a mortgage interest rate modification to 4 %. My current interest rate is 3.5 % and I let him know how unhelpful this offer was.
On XX/XX/XXXX, I followed up with another email to XXXX XXXX and was advised to include XXXX to ensure more of the executive team received this correspondence ( also included in complaint ). I received a phone call from a different VP ( XXXX something or other ) to discuss my situation. I offered an opinion on what specifically will help me, why it was fair, and how it could be accomplished. XXXX stated that he would investigate what could be done, but also included a remark about hoping to not call me back being the bearer of bad news. He called me back a few weeks later and offered to modify my loan to allow me to just pay the interest and resume full payments at a later date. I let him know that, that offer was offensive and in no way helpful. I have a XXXX in XXXX and have owned a XXXX for over 10 years and know a reasonable offer when I hear it. This was not a genuine offer of help, but was an offer that allowed the Bank to maintain not only their full profit from my mortgage, but also to ensure that they made significantly more money on my loan than they otherwise would have. I told him that at minimum I expected Regions to modify my interest rate to the current market interest rate near 2.8 % and would appreciate a greater offer of assistance as noted in my email and paid for out of federal relief funds.
I received a phone call from XXXX on XX/XX/XXXX letting me know that my forbearance is ending this month and they are unwilling to modify my rate or offer any level of financial assistance. They are willing to roll my forbeared payments into a new loan and allow me to pay a higher monthly mortgage payment than I had before, even though my business has not returned, I have no prospects of earning a living based on my 20+ years of experience in my industry, nor is there any semblance of a return to normal life.
I have been greatly mistreated by Regions Mortgage. At minimum, I expect to have my mortgage rate reduced to the current market rate to allow me to be less under water than I already am, through no fault of my own.
|
| 02/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
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This submission is in reference to previous complaint with number XXXX. Regions replied to me directly via USPS mail ; however, the response does not appear on consumerfinance.gov. The efforts and response of Compliance Analyst XXXX XXXX are both greatly appreciated.
My concern regarding the uncollectible balances is that derogatory remarks are still being posted on my credit and or background. Outreach attempts from collectors are more annoying than frustrating, but negative background information regarding uncollectible balances which I refute, Regions places in a state of cease and desist, and further which may wind up being deemed totally invalid, are very damaging to me.
In mid XXXX XXXX I received by mail an offer from the most recent collections affiliate offering a 50 % settlement. The mailing was received at my new address which means that either Regions provided my new address to them from the CFPB complaint or that there are skip tracers stalking me and neither scenario is good.
Between XXXX XXXX and the time that the account ending in XXXX was closed in XXXX Regions assessed and kept nearly {$2000.00} in fees which helped to create these uncollectible balances and have since proceeded to stalk me and profoundly harm my reputation. I have not paid a single overdraft fee since XXXX and I currently have deposit and checking accounts at multiple banks.
Please also note that from XXXX XXXX until XXXX XXXX, a time during which Regions paid Regions rather than my intended payees, I additionally paid the balance on the overdraft account down from over {$500.00} to the remaining uncollectible balance of {$260.00}. One of the intended payees was XXXX XXXX XXXX, another citizen of the finance community which ultimately took my automobile in XXXX XXXX due to missed and late payments.
The original checking account ending in XXXX was opened in either late XXXX or early XXXX and the overdraft account was opened shortly thereafter. In XXXX XXXX the XXXX account was replaced by the XXXX account but the overdraft account never got linked to the new checking account and, regardless of the reason that happened, at the time I was told incorrectly that the overdraft account had been associated with the new account and would function exactly as it had for nearly 15 years.
Over the next 18 months that followed Regions Bank, with billions of dollars in assets, was unable to assist me in any way at all other than leaving the account open to increase their fee revenue and it was very easy for them to see that I was already in a financially desperate situation at the time.
As for the fraud forms, they are much appreciated and very familiar to me since I have completed many such forms and affidavits since the first identity crisis in the year XXXX. In fact, a notarized affidavit was provided to Regions XXXX in XXXX regarding fraudulent charges on my checking account. The situation had become so dire that I had resorted to multiple internet loans and had become a victim of the unauthorized payday loan scam. Despite the fact that I did not authorize the payday loan fees, Regions refused to refund the approximately {$60.00} that were successfully withdrawn or any of the numerous additional overdraft charges caused by the unauthorized debits and attempts.
My main current objective is the improvement of my credit, background and reputation. The direct and indirect damages caused by the events described in my CFPB submissions are immeasurably significant but they are not irreversible. Since XXXX and even prior to that I have been fortunate to have maintained a consulting relationship with XXXX of the largest sports and entertainment venue/teams in XXXX. My feelings about Regions Bank have impacted many business and/or personal decisions since XXXX and will apparently continue to do the same.
|
| 06/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American, Servicemember |
|
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
|
| 04/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Dear, Sir/Madam This complain is about Mortgage Application with XXXX.
I has filed an application for refinancing my home with XXXX on XX/XX/XXXX and they had Quoted a rate of {$780000.00} with an interest rate of 2.750 % with .250 % discount.
And we were told we are closing on XX/XX/XXXX at XXXX and the documents were send to me on XX/XX/XXXX at XXXX upon reviewing the rates were change to this 3.25 % with 1.75 % discount points.
After this please see the below conversation with the bank.
Hello XXXX, XXXX, XXXX, XXXX and XXXX We are scheduled to close tomorrow. I have just received the documents, and I see a huge discrepancy over the points.
Initially we have agreed upon {$780000.00} with an interest rate of 2.750 % with .250 % discount. Please read the email sent by XXXX XXXX confirming the same.
Attached are the document that were sent in XX/XX/XXXX. The documents sent to me today state an interest rate of 3.25 % with 1.75 % discount points.
There seems to be an error with the figures, I would like to get the old rates confirmed in writing again before we close. Sorry to put you people thru any inconveniences, I have been asking for these documents for quite a few days now, it was sent to me at the last moment. I have also scanned the old documents for you to compare. The appraisal amount on my home was also undervalued by XXXX and appraised at XXXX. After I questioned it and told XXXX why the other banks appraised at XXXX, which I proved it to him by sending the copy 's from the other bank appraisal, it was redone and therefore adjusted to XXXX. We seems to be having problems every step of the way. Could someone please look into the matter and get back to me ASAP. I would like the rate promised to me to be honored, and to reschedule the closing for next week if all terms are agreed upon.
I will offer an explanation for your pricing question : A mortgage is a commodity priced to market every day - sometimes more frequently with intraday rate adjustments in a volatile market. Customers elect to lock or float at application. You elected to lock your rate. XXXX has been honoring the rate on your loan at 3.25 % for more than 6 months. The rate was locked on XX/XX/XXXX and has been extended since. The fee to extend rates is costly - we have subsidized 1.25 points as part of a total of 3.00 points for extensions. Our goal is to earn 1.00 Origination on every loan. As you can see, we have forfeited this yield in order to honor the interest rate for you.
The choices at this time are XXXX Close at 3.25 % with XXXX points today XXXX The current rate expires on XXXX. If the pricing on XXXX is worse, you get the new rate with market points ( potentially no points. ) If the rate on XXXX is better - all Lenders are required to use the " worst case '' scenario and the XXXX with XXXX points remain.
& gt ; If we let the rate expire on XXXX and wait 30 days - we can relock at the then market rate on the 31st day and none of the extension fees apply. Obviously, the risk is where the market rate will be in 37 days.
Hi XXXX, Thanks for you explanation but the lock rate was 2.75 % with XXXX points discount for 60 days please see attached. Not 3.25 % with XXXX points. And as you know I have forwarded all the correspondence I have with XXXX there was no delay from my side at I had complied with all the request from your bank. If there was any changes done why was I not notified about this.
You are correct however the pricing changed once the appraisal was received. The independent appraiser assigned a value that was lower than anticipated by you and XXXX. I wo n't review the entire appraisal history as we all know the disappointment - however the Loan to Value increase triggered the rate change to 3.25 %, which was disclosed to you. The extension fees to continue to honor
|
| 10/22/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On Friday, XXXX XXXX, 2015, I realized that a deposit I previously made of {$18000.00} at Regions in XXXX XXXX, Florida never made it into my account. I phoned Regions and informed them of the missing funds. I spoke with XXXX. She too, said the monies were not in my account. She assured me she would research it and get back to me. She never did. I decided to drive over to the branch where I made the deposit with my deposit slip in hand. I met with a woman named XXXX XXXX who was unable to locate the monies in my account but researched while I was there but was unable to find anything. She made a copy of my deposit slip and told me they were going to research it and get back to me. Later that day, I received a call from XXXX XXXX informing me that they are coming up empty. XXXX, the branch supervisor got on the phone and explained that the deposit was reversed but she does not know why. In, what we now know, is the typical Regions fashion, they just pass the buck. XXXX said that on Monday the regional manager was going to take over and investigate the missing funds. In the meantime, my husband phoned Regions once on Friday the XXXX and twice on Saturday the XXXX. Both times he was assured someone would research it and return our call. Neither of the XXXX returned his call. He did however discover on his call that the teller that took my checks for deposit and provided me the deposit slip has since been terminated. At around XXXX on Monday the XXXX, I phoned XXXX XXXX to see where they were in the investigation. She informed me that they were no longer in a position to provide me any further information. Stunned, I demanded the name and number of the Regional Manager who was taking over the investigation. After being on hold for XXXX minutes, XXXX XXXX came back with the name XXXX XXXX and his cell phone number. At about XXXX on Monday the XXXX, I phoned XXXX. At that point, XXXX was not even aware of my missing funds. He told me he would research it and get back to me. XXXX did in fact get back to me and informed me that they needed more time and can not seem to locate my missing funds. That was the first and only time anyone at Regions has EVER returned my call. On Monday the XXXX, my husband also called XXXX.Regions and spoke with a woman named XXXX. She swore she would call us back after she investigated it. She never did. What she did tell us, however, is that no complaint was filed on Friday when I made the original complaint about the missing funds. She assured us she was taking care of the complaint.On Tuesday, I phoned Regions to determine what was going on with my monies. Again, I was told that they would research it and get back to me. Nothing. I also phoned XXXX to see the status. He informed me that he has no information for me and I should speak to his boss, XXXX XXXX, City President. I of course phoned XXXX immediately and left him a voicemail. My husband and I both noted our dissatisfaction with Regions through social media.We received a call from Regions and again promising they would get back to us. They did not. Today, XXXX XXXX, I receive a call from XXXX assistant. She informed me that XXXX was researching it and would have an answer for me by the end of the day. Of course no call was ever made. I phoned and left a message. No Response. So I yet again call Regions. I spoke with a supervisor named XXXX XXXX. XXXX also tells me she is shocked that no complaint was filed when I spoke with XXXX on Friday the XXXX. She informed me that no complaint was filed on Monday either when we spoke with XXXX, but not filed until late XXXX night. She claims she filed a Credit Request. We shall see. XXXX XXXX today said she will call tomorrow. We need help. Too much time is passing and we are very concerned that monies were stolen and they are trying to cover.
|
| 07/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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My name is XXXX XXXX and I'm emailing you in regards to my personal checking account. I recently had an issue with fraud on my account. I reported it to the fraud department. They sent me an affidavit or summary of the charges I reported. The same week I faxed them a copy of my hospital discharged papers showing that I had XXXX and stayed in the hospital during the timeframe the charges occurred. Before Regions could even do a proper investigation, the department had denied my claim and refuse to return my hard earned money. Im not sure what more information I can provide them to show that I shouldnt be held responsible. What more information do they want from me? Do I have to send pictures of my XXXX from my XXXX? Do I have to get witness statements from the nurses and doctors at the hospital or do you want witness from my family the watch me lay in the same bed for a week. I didnt have possession of my card. In the letter Regions sent, it stated that the transaction were verified with my credentials. In previous years, I went through identity fraud and my ID card, social security card and other information was compromised. My pin for my account was the date of my birthday and with all the scammers out there it must have been a way they figured it out. I even offered to provide the identity theft police report copy from police department when I receive it in the mail but instead the claim was denied before I could even do it. That shows me that it wasnt a proper investigation. Its very frustrating that I have to worry about recovering from my health issues and that bank thats suppose to protect me isnt. Im asking that you appeal this decision and actually take the time to investigate before loss an account. Im highly upset because the claim was ill investigated and it's not fair how they just denied it for no reason. I went through all the steps to help the bank to solve the problem and you guys didn't even take the time to properly protect me as a consumer. I sent proof showing I wasnt able to make the transaction I filed the police report like they Regions ask me to. Now Regions want me to wait until the police detective try to Identify the person and evidence. Telling me how are the sure that I didnt authorized a person to make transactions. Because I DID NOT AUTHORIZE ANYONE TO USE MY CARD AND I DID NOT GIVE ANYONE MY PIN NUMBER. The fact Im catching more heat over this than the actual theft is mind-boggling me.The police officer told me even if they are lucky to get the video surveillance, it could take months for this matter to be handled. I have bills and other obligations to handle with MY MONEY. I feel as though, if numerous big transactions are made as a bank, Regions should have blocked my card and contacted me to verify that these transactions were mine. I have seen plenty of other banks do block cards and their fraud department verified by text or call, so why not Regions? Regions is sending me, the victim on a wild goose chase to get my money back and thats there job to insure my money is protected. They keep trying me, that cant get the video footage, they cant communicate with the other institutions involved, they cant investigate. Well what can Regions do?? I put my money in Regions bank because I trusted the bank to do their job, which is to protect my money. Instead I didnt get the help I deserve and scammed out of my money. I recommended my peers to start their bank accounts here, had I know how poorly Regions thought of their customers I would have never recommended them to trust Regions with their money. The next steps are that I report my situation to the federal reserve, fdic because something has to be done. Even if I have to use media and news outlets. I will receive fair treatment.
Thank you, XXXX XXXX
|
| 09/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
On XXXX or XX/XX/XXXX, my laptop became unresponsive and I was directed through a page on my screen to call a number for XXXX. This number directed me to a company called XXXX XXXX, who advised that they could diagnose my problems and remove any malware for {$490.00}. I was also told that they would remove XXXX and install XXXX for {$86.00}. As I had no reason to think they were dishonest, I authorized them to proceed and gave them my bank card number. That night, I was continuing to have problems. During another call to XXXX I advised that I was not satisfied with their service and advised that I withdrew my authorization for these charges. The next morning I contacted a local computer specialist, who advised that malware was indeed downloaded on my computer by XXXX. I paid him {$99.00} to remove all malware from my computer.
On XX/XX/XXXX the charges did not appear as pending in my account detail register so I assumed they were not put through. The bank in question is Regions Bank. Its routing number is XXXX. The card in question ended in XXXX.
The morning of XX/XX/XXXX the charges were shown as pending in my detail register. I went to the bank and explained what had happened, and that I did not want the charges to go through. I was advised by XXXX XXXX at the XXXX XXXX branch to complete a stop payment on each charge, at a cost of {$36.00} each. I asked him if I needed to take further action, and he said no. He said the charges would 'drop off ' my account.
The next day the charges were still shown as pending, so I went back to the XXXX XXXX branch, where I spoke to XXXX XXXX. She told me that putting a stop payment on a debit card was useless, so she reversed the service charges. Instead, I was told I needed to cancel my debit card. So that was done. She advised that no further activity could be processed on that card number.
On XX/XX/XXXX my bank statement that the charges of {$490.00} and {$86.00} had been put through on my bank card, ending in XXXX, which had been canceled a month previously. I went back to the bank and spoke with XXXX XXXX again. After calling the bank help desk, she informed me that what I should have done in XXXX was to submit a debit card dispute form. She was surprised to learn that canceling my debit card would not have prevented charges for being put through, as I was told. She said that merchants could put through a charge within 180 days, even on a canceled card. How did she not know that in XXXX? A debit card dispute form was submitted on XXXX. She told me that this was a formality, and that I would get something in writing in ten days. I asked her point blank if there was any chance these charges would not be credited and she said no.
The next day I went to the XXXX XXXX to discuss the matter, as I was not satisfied with the responses I had received initially. I spoke with XXXX XXXX, and was assured the dispute would be taken care of. She also acknowledged that I had been scammed by XXXX. In addition, she apologized for the lack of proper handling of my problem by the personnel at XXXX XXXX. I contacted the branch twice by phone and was told I had a provisional credit pending. I called XXXX XXXX on Thursday, as per her request. She did not return my call. On XX/XX/XXXX I received a letter from Regions stating that no evidence of fraud was found, and the charges would stand.
At no time was I told by bank personnel that I needed to take further action with XXXX, other than my phone call on XX/XX/XXXX. I have since been advised that a dispute claim should have been filed in XXXX, which I realized the charges had been put through. I am being penalized for getting erroneous information XXXX from bank personnel. Had a fraud dispute been completed in XXXX, all of this could have been avoided.
|
| 06/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX, of XXXX my martial home as ordered for sale by XXXX XXXX in XXXX XXXX XXXX. I moved out of the home at that point and repaired for sale of the home. XXXX XXXX XXXX Severn days before the close of the home sale, someone burned my home down. Not myself as Ive was the one wanting the sale of the home. The home fire claim was denied due to no occupancy for 60-days prior and aft of vandalism. The claim was denied on or around XXXX of XXXX and at that time I stopped making payments. XX/XX/XXXX my exude was ordered by XXXX XXXX to provide me with a quck claim deed for the house to sell the reminder of the house and grounds. That quit claim deed is finally in shipping from my exwife to be picked up tomorrow by myself. XX/XX/XXXX Country Companies paid Regions Bank {$310000.00} and is behind held in secure escrow by regions bank. Regions bank finally got a hold of my XX/XX/XXXX and told me my mortgage was covered. The woman that called me that night, on a recorded call by Regions told me that Regions had put my mortgage in forcluser two days before calling me and they shouldnt have done that. Since XX/XX/XXXX, Regions has told me I owed the difference in principal and the {$310000.00} which is {$1600.00} roughly and to put load a letter stating Id be responsible for the difference. I wrote the letter and couldnt log into my account. Called regions and they said I then owed {$26000.00} in forclusure costs thru their attorney XXXX XXXX XXXX. Told me I had to pay {$22000.00} to get my loan current. I sent them {$22000.00} and they sent it back to me via wire and charge me {$20.00} to send back. They have told me I owed {$21000.00} XX/XX/XXXX. So I sold my fathers horse trailer and attempted to pay. I havent been serverved by Regions or the XXXX XXXX XXXX and been told by a forclusure atterney Im not in forclosure. Regions will not release the {$310000.00} to pay the mortgage off and I refuse to pay anything currently more than the difference of the principal balance and the $ XXXX on the escrow and Regions is constantly telling me something g different from their customer service, hazardous insurance department, insurance department and I was told I only owe the difference between and my home shouldnt be in forclusure nimours times. Regions is attempting to extort me for {$26000.00} and I need help!!! I have to close on this sale of this property to pay my exwife {$60000.00} and must sell the property to do so or Ill be held in contempt and my ex wife has finally sent me the quick claim paperwork I think that should arrive tomorrow after being ordered to send three times by judge XXXX.
Updated to previous complaint.
XX/XX/XXXX - I spoke with Regions Mortgage while having a Consumer Complaint Representative on the phone with Regions and I. That conversation was recorded by both parties, Eegions and the CFPB. The Regions Representative stated that day at in the CFPB recorded call I would only have to pay the difference between the principal balance of {$320.00}, XXXX and {$310.00}, XXXX and asked to be off the call.
Today XX/XX/XXXX Regions Called at XXXX and offered to settle this issue for {$310.00}, XXXX plus forclosure fees and forclosure lawyer fees of {$15.00}, XXXX I have never been served with forclosure paperwork, the paperwork has never been filed and yesterday XX/XX/XXXX on the record ed conversation listed above, I agreed to pay the difference of principal and escrow. I almost XXXX XXXX over this issue in XXXX, XXXX, and XX/XX/XXXX because I didnt know the mortgage would be covered by my insurance company and my insurance company never told me the mortgage would be covered. I had to seek counseling and it wasnt until XXXX that I felt like I didnt want to die over this issue!!!!
|
| 07/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
In XXXX I set up XXXX separate business bank accounts at Regions Bank in XXXX, XXXX. XXXX XXXX was the bank employee who assisted me in opening these XXXX new bank accounts. I immediately returned home and set up the online banking and scheduled ACH debits for vendor accounts. I also set up the merchant services for the business with the account information provided to me by XXXX XXXX. After a few days I realized that all of our merchant services were getting kicked back and not being deposited into our account. I attempted to call Regions a few times but got no response so I opened accounts at XXXX XXXX. A few weeks later I received a letter in the mail from XXXX XXXX stating that she had provided me with the incorrect account numbers and provided me with XXXX new account numbers however there was no information as to which account number belonged to which business and since I had already switched to XXXX XXXX I just closed the accounts. The initial mistake of providing me with the wrong account numbers caused me to be assessed return payment fees from my vendors as well as late payments and put strain on my business relationships with those vendors. Regions also charged me insufficient fund fees for the payments that I had scheduled to be ACH debited from the account with the incorrect account numbers. I found this out when I began receiving calls and collection letters from XXXX XXXX XXXX collections in XXXX, XXXX demanding payment for the charged off accounts. I was completely unaware of any charge offs and have disputed and explained how this must be some sort of mistake by Regions bank. XXXX XXXX instructed me to dispute the collections with Regions bank and gave me 30 days. I first went back to the branch that I originally opened the account and unsurprisingly XXXX XXXX no longer works there. I spoke with XXXX XXXX who said to give her a few days and she would let me know what she " finds out ''. Several weeks go by and I receive another call from the collection company but still nothing from Regions Bank so I revisit the XXXX branch once again. XXXX was not there that day so I left a message for her to get in touch with me but after a few more weeks I never heard from her so I decided to visit the XXXX, XXXX location on XXXX XXXX and spoke with a man who said he would work on my account and give me a call in a few days with some answers. A week or so past and nothing so I once again visited the XXXX location and spoke to a man named XXXX who took down all of my information and went over my accounts with me and told me that XXXX would be in touch with me in a few days. Another week or so passed and I called and left a message on XXXX 's voicemail. Another week passed and I returned to the branch and finally spoke to XXXX who informed me that even though she could see that XXXX separate business accounts were opened by XXXX XXXX followed by XXXX new accounts being opened for each business within the next few weeks all with no activity other than the returned ACH debits that I had no proof that I was n't responsible for having to pay for the insufficient fees. During all of this I was told that I would be reported to XXXX so I obtained a copy of my XXXX report and learned that I had already been reported by Regions Bank for a paid charge off account back in XXXX when my car was stolen with my wallet in it and I had my Regions Bank account closed with a police report. I have disputed this account being reported to XXXX who tells me to dispute to regions and regions tells me that I have to dispute with XXXX. Basically Regions is the most incompetent company on the face of the earth and has no business handling people 's money or personal information! They write people 's social 's on paper and leave laying on desk!
|
| 07/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX I had a XXXX lapse in my homeowners insurance that was due to XXXX error. The error was quickly corrected by XXXX and XXXX send verification of coverage to Regions Mortgage in XX/XX/XXXX. In XX/XX/XXXX, I started receiving letters from Regions Mortgage that my Mortgage is set to be escrowed. I called to find out why, but after several calls and many hours on the phone with them, they finally told me it was because of the XXXX weeks lapse in my coverage in XXXX. I let them know I do not want my Mortgage escrowed, and explained again to them that it was an error from XXXX, and it has been corrected months ago. The person I spoke with at Regions Mortgage told me I need to write a letter to them to ask for a " release of escrow. '' He also asked me to include the email communication between the XXXX agent, showing a proof of the error, and the escrow would be released. I did as I was told immediately, and waited, and waited. My mortgage payment was coming due, so I went on my online account with Regions Mortgage to make payments, but found out it hasn't been resolved. My payment was almost {$500.00} more than I usually pay, due to the escrow amount that was added. I called and tried to make a payment over the phone, but they refused to take my regular payment. They wanted me to pay the entire amount, with I declined. I asked for the status of the release of escrow, but I was told they are still reviewing it and someone would call me when it's done. The agent got and authorization from a supervisor, and I was able to make my regular payment for only XXXX month, ( XXXX ) they wouldn't allow me to pay the XXXX that was coming due already, and asked me to wait for the result or the request for release of escrow. I waited and waited, but didn't hear back from anyone so, XXXX came and I called Regions Mortgage to check on the status of the release of escrow, since I wasn't able to make my payments online again. After several minutes on the phone talking to a confused representative, she transferred me to a supervisor, who informed me that my request was denied because of the 3 month forbearance COVID relief in XXXX. He went on and explained to me that because I accepted the XXXX relief forbearance offer that Regions Mortgage sent to me back in XXXX, they have denied my release of escrow request. I was speechless and mortified. My questions to him were : XXXX. How come you asked me to send a letter to request the release of escrow lying to me and wasting my time XXXX. How in the world would Regions Mortgage penalized me for a pandemic relief from way back in XXXX, when it wasn't even related to the reason why this escrow was created. XXXX was XXXX ago.
XXXX. I already paid my taxes and insurance for the year, how do now except me to pay you again ( in escrow ) what I already paid.
All these doesn't make any sense whatsoever. The supervisor was adamant that they will not re evaluate my request and there is no appeal process. He said Regions do not care that it wasn't my fault that the lapse happened and they don't care about the evidence I submitted showing it was an error from XXXX. He went ahead to say I shouldn't have accepted the COVID relief offer they sent to me, that it was the reason they declined to release the escrow. He claims some article under recorded mortgage that gave Regions the right to do whatever they wish including creating an escrow whenever they wish due to the COVID relief. The supervisor also gave me an option to refinance with them, which I declined considering they are trying to get me to refinance at a higher interest rate from what I had since interest rates are high now. Could that be the reason why they denied my request? So they can force me to refinance at a higher rate? Scam!
|
| 02/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/XXXX Regions Financial Corporation c/o Office of the Corporate Secretary XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Regions Financial Corporation Attention : XXXX XXXX XXXX XXXX XXXX, Audit Committee c/o Office of the Corporate Secretary XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Consumer Financial Protection Bureau I am writing this letter to formally complain about a situation in which I have been trying to resolve since the beginning of paying on a vehicle loan that my wife and I have with Regions Bank.
The payments are automatically deducted from my bank account. To reduce the time that we are going to be obligated for this loan, we also pay an additional {$200.00} per month. Upon receiving the first statement from Regions it indicated that we were {$200.00} past due.
On XX/XX/XXXX, I inquired with the bank about the past due amount on my account, I was informed by Representative XXXX ( XXXX ) that it did not really mean that the account was past due, but the bank had no other way to reflect the additional amount paid. Before the conclusion of the conversation, I requested a corporate number which he stated that he did not have but a representative would contact me within 10 business days. When I further asked for a reference number regarding the complaint I was making, XXXX assured me that a complaint had been filed about my concern regarding the negative connotation implied by a past-due amount on our account. Further, XXXX stated that they do not provide reference numbers for complaints filed.
On XX/XX/XXXX, I received a call from XXXX, who stated that he was a Contact Center Senior, Regions Bank, XXXX. XXXX informed me that there have been numerous complaints from other customers and the bank is making efforts to change how additional money applied to a loan will be captured on the bank statements customers receive and that there is a minus sign indicating that the account is not past due should be sufficient to anyone viewing that bank statement. Further, XXXX stated that there is no timeline or projected date to change that misleading information on customer accounts. Not being satisfied with XXXX response, I requested to speak to his supervisor. XXXX transferred me to his Team Leader, XXXX. XXXX did not answer or was not available to answer, so I left her a voice message to call me.
On XX/XX/XXXX, XXXX called me back at approximately XXXX. I was away from my phone, but she left me a voice message to call her back at XXXX. I returned the call at approximately XXXX, there was no answer. I then called the XXXX number and spoke with a person who stated that her name was XXXX and that she was a supervisor at Regions in XXXX, Tennessee ( we are located in XXXX, Georgia ). XXXX transferred me to the Loan Department. I spoke to XXXX. XXXX suggested that in the memo section of the check I should put apply to principal. However, when I informed her that we were paying the additional money online and there is no memo section, she did not know how to handle the situation. I asked to speak to a manager. After attempting to reach the manager unsuccessfully, XXXX stated that she would leave a message for him ( XXXX XXXX ) and that I should receive a call-back within 10 business days. As of the date of this letter ( XX/XX/XXXX ) I have not received a call from him.
Finally, it should be obvious at this point how difficult it has been trying to navigate the Regions banking system for customers. We are thoroughly displeased with the general practice of, posting additional funds to a loan account as past-due and want you to change it immediately!
Please contact me at XXXX XXXX XXXX or in writing with your plan of action to resolving this situation.
Respectfully Submitted, XXXX XXXX XXXX XXXX
|
| 11/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
A previous complaint was filed with the CFPB on XX/XX/XXXX ( XXXX ) where nothing has changed with this XXXX predatory lending behavior. I am requesting the original complaint to be reviewed and this new complaint to be investigated. In the original complaint the status states CFPB referred complaint to another government agency on XX/XX/XXXX. I never heard from anyone and upon research XXXX behavior has escalated from the XXXX of complaint I have read.
Since my last complaint, I have continued to make all payments on time and have asked for a financial hardship since and was given minimal assistance for example being able to skip a monthly payment. What was occurring is never once did I receive a monthly, quarterly, or yearly statement only a coupon book. When I would to inquire about assistance due to financial hardship from a XXXX only then I would find out the balance. Most recently as my last coupon book was ending, I was told they were no longer going to be sending coupon books that I would receive monthly statements.
XX/XX/XXXX, I called customer service and inquired about why I have not received my monthly statement that being I had no more coupons and that I had not received any statements. I also then requested to speak with someone about my ongoing financial hardship where the woman who I spoke to when into this filibuster rhetoric that I already was given a one-month grace period this year and that was all that could be done. When explaining on how there should be more options, she kept talking over me, not letting me finish my sentence became rude, argumentative, and hung up the phone. I called back and left a message for a supervisor to review the recording of the conversation and to call me.
On XX/XX/XXXX, I thought a payment was due XX/XX/XXXX and had yet to receive a statement. I was informed a payment was due that day which while on the phone immediately made the payment for the two loans. It was then, I requested a supervisor because of the last conversation where I was told one would call me. I responded again to have the supervisor review the recording of the last conversation. Again, never received a call back.
On XXXX, XXXX I received only a statement for only one of the two loans dated XX/XX/XXXX. I then called again and first informed the customer service person that I only received a statement for XXXXne of my loans. I informed the customer service that I was supposed to receive a call back from a supervisor and yet to receive one. I then informed the representative that the statement was showing a {$30.00} late charge and in fact the XX/XX/XXXX payment which was received on XX/XX/XXXX within the grace period after this XX/XX/XXXX statement was generated so it should be removed.
I then on XX/XX/XXXX, called again to confirm the late charge was removed which I was informed it was, that I have yet to receive the statement for the second loan and for the supervisor who was going to review the original conversation to call me.
I am requesting audit of my account because XXXX has a history of charging interest on the money already paid back on their loans. This would explain why my balance on the loans which I have been paying since XXXX is so high. I am to the point where even though I do not wish to have my credit score effected will stop making payments, let it go to collections, and have the court sort it out.
It is my hope that this time the CFPB will vigorously investigate this complaint and not refer it to another governmental agency which did not resolve this matter. I have attached three links where you can review the XXXX of complaints against XXXX and their predatory lending practices.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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XX/XX/22 i went to the Regions Bank at XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX i went into the bank to let the Mgr XXXX XXXX XXXX i would be making a large withdraw from my checking acct to by a car, XXXX XXXX and XXXX XXXX XXXX told me this is what i need to do according to the policey.. This was on XX/XX/22 when i deposited an insurance check for the amt of XXXX. They placed a hold on the check. when i showed them my ID the began referring to me as Sir. I have been with Regions Bank for about 7 or 8 years. No bad checks no Fraud. Even tho every since i started visiting this Branch and had to prove my identity for sum reason. They have been Rude, and discrimination based on my XXXX and XXXX identity This is the closes branch to my home in XXXX. weeks before this last incident i was accused of Fraud, when i tried to deposit XXXX cash thur ATM. message on the screen said go into the bank. On this day i spoke with a man by the name of, XXXX XXXX. He said there was sum type of Fraud. When i asked could u explain he Rudely said, " Check your email and spam '' I did and hadn't received anything from the bank... I left the bank more confused. this and other incident just started making me feel discriminated based on my XXXX and XXXX identity. I finally had enough when XXXX XXXX said she didn't want to help me because i said why does this XXXX keep happing to me at this branch. she told me to leave her office ( i have a recording of this All on video ) i said are u putting me out of the bank she said i have the right to refuse your service because u said XXXX. i explained if this is the way u are going to keep treating me. I want to close one of my acct and take out all the money Now. she said leave my office... I told her if i was doing something wrong to call the police. She picked up the phone and i asked are u calling the police. She called some man, that said he was her Boss. He asked what did i need to have done. i said i have two accts with this Bank an want to close it due to poor Rude and discrimination at this bank. He told her to go ahead and close my acct. while this is going on she kept asking me if i was recording her. I explained that i had been recording all the incident in this bank for the last 6 months due to how i has been treated at this XXXX XXXX location. when she got off the phone i asked her was this going to take longer. XXXX XXXX said all she needed to do is give me my receipt for the transaction. She left me in her office for about 15min to go help another customer. she gave receipts and never signed the cashier check that her boss told her to give me. I started yelling saying this is the worst bank and the discriminated on me do my XXXX and XXXX this is when XXXX XXXX ran over too me saying... U are trespassing and no longer welcomed. He and XXXX stood there laughing at me because she said she wasn't going to help me .... She was right she didn't. i Ended up having to drive 30min out of my way to the Regions @ XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. I explained to the XXXX XXXX at that location what happened. Gave him the check and told him she didnt sign it but sent recipts to my email and gave me a paper one... He said well good news she voided the check. This was strange why give me receipts for the truncation. then XX/XX/22 i get a letter addressed to XXXX XXXX XXXX saying they are closing All my accts .... I have filed a complaint with XXXX XXXX and a guy at @ askregions. He said that they take this kinda situation serious. Somone would contact me and they may want to see my video proof. I have still yet to hear anything from anyone explain why close my acct but no apology or interest in what happened Period.. I am very unhappy and XXXX about this whole situation.
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| 03/22/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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The office is very unprofessional and have no concern for meeting the client 's needs. I started a construction to perm loan process XX/XX/XXXX until XX/XX/XXXX. Several mistakes were made along the way. To say the least, I was not satisfied that my time was wasted and the amount of undue stress I dealt with. XXXX XXXX, XXXX XXXX, NMLS # XXXX was the loan specialist. To keep it short, I have excellent credit and the funds to back it. I am a XXXX XXXX XXXX veteran and the loan would be permanent to XXXX XXXX after the construct is completed. XXXX did not communicate very much because I had to always contact him to get a status and he had to always contact his manager as if he did not know the job. During the application process, XXXX nor his manager XXXX knew how to work the online process, so they delayed me until the administrative person returned from vacation. I emailed XXXX and XXXX all the documents to keep the process going but they failed to do so. XXXX asked for my credit card information to pay for the appraisal, I gave it to him over the phone and asked him not to share it. XXXX informed me there would be a {$450.00} charge for the appraisal which I approved but {$780.00} was charged to my card. When I questioned XXXX, he informed me the price went up because of the size of the house so they charged more to my card. I asked who they are because I only authorized you to use my card. XXXX said the appraiser company charged more. Needless to say, I canceled that credit card and preceded to request a refund of the overcharge. XXXX said he would look into it and get back to me but never did. The official appraisal was sent to me and it showed the cost as {$450.00} which is what XXXX originally quoted. I brought this to XXXX attention and preceded to ask XXXX for a refund on the difference several times. Not until I called his manager two months later was the money returned but the entire appraisal fee was returned because Regions decided they would not give me the loan because of the appraised value of the home was more than comparable homes in nearby neighborhoods. The appraiser did not include the land in the appraisal. The appraisal classified my new home two levels higher than other homes in the community, so Regions decided after five months that resale value was a risk to the bank. XXXX knew this information one month ( XX/XX/XXXX ) before he contacted me on XX/XX/XXXX via email to tell me to call him. The administrative person informed me that XXXX and XXXX knew on XX/XX/XXXX. I saw the email on XX/XX/XXXX and called XXXX for him to give me the bad news. XXXX explained he didnt call me because he doesnt like to give bad news and promise to get my refund on the appraisal which he never did. XXXX proceeded to share with me that Im building a very nice home but recommend I chose a home that fits the neighborhood and Regions would still give me the money. When I refused to do so, XXXX suggested I work with a friend of his at another bank, XXXX. XXXX never sent the friend contact information after I sent an email verifying the phone conversation. At this point I contacted his manager, XXXX XXXX and formally complained about how bad the service was and explained the appraisal fee to the manager who reassured me that I was not the only client rejected for the same reason. It took a week to get the appraisal fee returned to me. I spoke with my previous real estate agent who informed me that one of her clients had a similar experience with Regions bank. Both of us are XXXX XXXX. I curios if this is a form of XXXX profiling. I am filing a complaint at GA XXXX XXXX XXXX against the appraiser, XXXX XXXX, All Expert Appraisals as well because the appraisal was incorrectly completed as well.
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| 10/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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To Whom It May Concern : On XXXX XX/XX/2023, I redeemed my Regions Rewards points toward a flight from XXXX to XXXX XXXX to take place on XXXX XXXX, respectively. When I made the flight reservation, in the area where it displays class, the level was stated as Economy ( verbatim, it did not state basic economy or anything that could confuse a person from misinterpreting the flight as an Economy-level flight ).
Low and behold, something happened that prompted me to need to modify my flight date, so I phoned Regions Rewards Center as this is where I purchased my flight.
When I phoned on Thursday XX/XX/XXXX, I spoke to a representative who informed me that in cases like these, what usually happens is that there is a surcharge to rebook, but that it isnt a problem. She asked me for when I would like to change the return date, so I said XX/XX/XXXX and told me to wait on the line. However, when she came back, she told me regrettably, the flight can not be changed because it is a basic economy flight. I was sure it said economy when I made the reservation, but I hung up and decided to double-check on that. While XXXX XXXX also said the flight was reserved as basic economy based on the booking reference, this fact was not made clear to me or whoever uses the rewards center to reserve flights.
In fact, when I logged on and proceeded to follow the exact same steps I took to reserve the flight ( same dates, same flight numbers and times, even took the same number of points ), the option I clicked stated Economy while others below, including an equivalent of the flight ( managed through XXXX ), I reserved stated Basic Economy clearly.
That in hand, I phoned Regions Rewards Center once again Friday, XX/XX/XXXX around XXXX XXXX XXXX and spoke to a representative named XXXX. I told XXXX what happened and explained my discovery, but he offered no explanation or solution and eschewed any accountability on a part of Regions Rewards, retorting that it was because I did not check the Hide Basic Economy box. In spite of me clearly explaining that the option was Economy when I made the reservation and the attached itinerary also says Economy, there is no way in which a reasonable person could suspect this was anything other than a standard economy-level reservation. I asked XXXX to provide me with contact information so I could voice my concerns and frustrations in a letter or e-mail to escalate my complaint ( because I was not going to let an careless mistake on some programmer 's part or the airline upend my trip and make me lose all those points needlessly ), but XXXX said there was none, nor was their an organizational structure of whom to contact in event of complaint or dissatisfaction. Rather he said he would " note my complaint '' which he kept me on hold for 30 minutes, only to probably make a note that nobody will ever see. In other words, Regions Rewards is being deceitful in its actions and unwilling to acknowledge and assist.
What I am seeking is a reimbursement of the points that were spent reserving the flight. Since they say, their hands are tied because of the flight restrictions and being under XXXX, they are unable to assist, what they are able to do is a courtesy credit from REGIONS side in terms of points. While I understand XXXX XXXX XXXX has its restrictions and are not refundable or changeable, then Regions owes me the duty of acknowledging their carelessness and/or intent to mislead and defraud customers of their points ( whether knowingly or not ) AND crediting my account with XXXX points so as to make a demonstration of their value in me as a long-time customer of REGIONS and as someone who has validity in what he is saying, rather than just not accept responsibility.
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| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XXXX of XXXX, we locked in a mortgage rate with Regions Mortgage. The mortgage lender made no mention that we were going to have to deposit {$100000.00} to have the rate we locked in. During the entire process, the Regions Mortgage lender, XXXX XXXX was not being transparent and lost a good amount of personal information provided to him and his assistant. Please note, all personal information requested from us was provided with 24 hours.
We did not even receive the XXXX XXXX XXXX. My husband is the only one that received any information via Regions system throughout the process. When I requested the information be sent to me too, nothing changed.
We were not informed about having to deposit the {$100000.00} until a week before closing. When my husband and I set up the checking account, Regions made the account joint. The very next day after the account was opened and all account information was provide to us, I received a call from XXXX XXXX saying I could not be on the account and that I had to remove my name within 48 hours or else. XXXX declined to provide any details or send an adverse action letter to explain anything.
As mentioned, throughout the process, the mortgage lender and his assistant continued to lose sensitive information and I still don't know if it is secure. Plus, I still have not received an adverse action letter. Its been almost 60 days since XXXX XXXX told me I had to remove myself from the account.
To make matters worse, the Mortgage Lender consistently provided incorrect information about how much we would need to bring to closing. When we received the Closing Statement 3 days before closing, it was wrong and did not align with anything discussed between us and the mortgage lender. When I brought this to the attention of the Mortgage Lender, XXXX XXXX he told me I had to sign it or we would not close on time. Keep in mind, Regions had to extend the rate lock because they continued to delay closing, so now we had no choice but to sign an incorrect closing statement to be able to close on time with the rate we needed. The final closing statement was not even provided until 45 minutes into the closing.
The Mortgage Lender said we could close in two weeks from the beginning of the process. He then said we could close in 60 days. He then had to extend and forced us to sign an incorrect Closing Statement by threatening us that we would not close and they could not extend. Keep in mind, we provided all personal information requested within 24 hours of each request. Delays were solely on Regions.
The Mortgage Lender told us in the beginning of the process that closing funds ( in addition to closing cost ) would be {$0.00}. They ended up being around {$60000.00} and {$22000.00} was not even disclosed until the night before closing.
Regions refused to accept payments made to the builder even when my other banks were telling Regions my information provided was official. XXXX even spoke to a representative at the bank. The other bank provided a signed official letter, but Regions would not accept it. The other bank stated they used this method for all consumers when they to certify information and Regions still would not accept it. This resulted in us having to bring {$35000.00} more to the closing table than necessary. Again, {$22000.00} of it was not even disclosed until the night before closing. Had we known ahead of time, iit may not had been a problem. However, XXXX XXXX misleading us through the process caused us a lot of stress and list interest.
We received a call from XXXX XXXX XXXX after providing a bad review. XXXX took the same information from us and has done nothing. Weve left her three messages, but she hasnt bothered to return our call.
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| 09/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I fulfilled all the above conditions, except enrolling into online statement, in a timely manner i.e., first 30 days but Regions bank is not willing to pay I the cash back bonus ( either {$200.00} or {$400.00} ).
Regions bank couldnt help the I in terms of the online access as few years back ( XXXX ) I had past relationship with Regions bank and that resulted into NOT able to setup online access for the I. I put a lot of efforts but no success in terms of getting online access. One has to have online access then only they can enroll for the online statements. I made multiple calls to Regions bank customer service and emailed the local branch but no success. During COVID-19 wait time on telephone lines is too long but still I tried his best. Due to no online access I couldnt setup the online statement within the first 30 days of account opening. I called and emailed Regions bank customer service and local branch but no success.. This was definitely not the fault of I NOT to enable online account statement in the first 30 days of account opening.
Finally, I filed CFPB ( Consume Financial Protection Bureau ) Complaint # XXXX filed on XXXX XX/XX/XXXX for no online account access. Regions bank gave round about answers for this. XXXX XXXX from Regions local branch also called but no success. I worked with local Branch manager, XXXX XXXX, to setup online access but no success regarding that. I tried his best to get online access within the first 30 days of account opening. Finally, I has to work extended hours to get the online access. But by the time, I got online access and setup online statements it was beyond 30 days of account opening. But not able to register for online statements was not at all my fault. Moreover, Regions didnt send even a single bank statement to my home address which means that by default online statement was already set, may be due to past relationship I had with Regions. Which means that Regions Bank either violated laws by either not sending the monthly statement by postal mail to the Customer, i.e. me, OR Regions Bank is just coming up with the excuses NOT to pay the promotion to the I. If Regions Bank still argues that they didnt sent a paper statement to the I then Regions Bank is violating these laws : XXXX XXXX XXXX XXXX XXXX XXXXXXXX as I had done at least one transaction but I didnt receive any paper statement from Regions Bank initially. And if Regions Bank argues that Regions Bank didnt send the paper statement because I as per his past relationship enrolled into online banking and thus online statements then Regions Bank should honor the {$400.00} or {$200.00} promotional cash back bonus. Moreover, its Regions Bank which couldnt help the I in terms of setting up online access within first 30 days and it was purely the fault of Regions Bank.
To resolve this issue, I reached out to Customer Service of Regions bank via various communication channels including but not limited to emails, chat, phone calls. When issue was not resolved, I has to be escalate this matter to CFPB ( Consume Financial Protection Bureau ) via 3 different CFPB complaints.
Even after meeting all the terms and conditions in a timely manner, Regions Bank denied the cash back bonus of {$400.00} or {$200.00} to me. For that I filed some other CFPB complaints XXXX on XXXX XX/XX/XXXX. Regions bank came up with another excuse that I didnt enroll for online statements, thus denied cash back bonus. Please refer all the CFPB complaints, response of Regions bank and chat regarding this issue.
Moreover, I have all the online statements since XX/XX/XXXX that means I was enrolled internally in their system. So why Regions is denying my hard earned {$400.00} cash back bonus.
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| 07/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My checking account XXXX is frozen. I need it unfrozen. It was frozen fro fraud that is not fraud. I deposited a check from an insurance company. The check was more than 90 days old and therefore not honored. I have plenty of money in my account, {$2300.00} today, after the check for {$1700.00} was taken back out since it was not honored. I could not access my account last week on line. I tried to reset my password and could not. I reached out to the bank 800 number as instructed on their site and was told that the account was frozen for suspected fraud. I was told I had to contact the local branch to get it unfrozen that the local branch was the only way to unfreeze it. I was given the contact phone number. I called and spoke to a woman who took my info and explained that the manager was not, but that she would try to get someone else to help. I heard nothing. I called on Tuesday and spoke to XXXX XXXX who told me to call the 800 number. He said that the local branch can not freeze accounts and he didnt know why I was told that. I explained that I did not want to talk to the 800 number because I had done that yesterday and they told me to contact the local branch. He then asked for my account number and told me that is was frozen for fraud. He said he needed the Insurance Agent to contact him to tell him that the check was for a claim, the amount, and the payee. I explained that he already had the check and questioned why, since the funds were already taken out. He would not waiver form the request to hear from the insurance agent. I thought the check was a homeowners claim since it was in a homeowners insurance file. I later found that is was a windshield claim from XX/XX/2019 for my sons car that we no longer have and dont even have that insurance anymore. I found the agent and she contacted XXXX XXXX. He refused to unfreeze my account still. He told the agent, XXXX XXXX, that he needed her to tell him the check number. She explained that she represents several companies as an insurance agent and that while she could confirm the claim date, payee, amount that she didnt issue the check. XXXX asked her to contact the company she represents and confirm the check number. This is excessive. I am not trying to get access to the {$1700.00} funds. They already went in and back out. I need access to my frozen account. I called the 800 number again today, XXXX. I explained the situation, I was transferred to a supervisor. Both told me that only the branch can unfreeze the account. I waited while they called the branch and was told that the manager is out today. I asked for the manager 's manager name. The 800 number refused to provide it. She claimed that she didnt have access to that. I doubted that. I asked her to ask the branch personnel. she put me on hold, supposedly called the branch, then came back on and said that the Assistant Manager would be calling me today. She said they wouldnt tell her the manager 's manager name. I asked how to file a complaint with the president 's office at Regions. The 800 number person told me to go on line. I explained that I can not do that since my account is frozen. I asked for the presidential complaint email and was told that there isnt one. I protested, explaining that I work at a bank and that there is one. She said no. She said I could email XXXX I told her that wanst the presidents 's office. She said it was. I told her I would file a complaint with CFPB instead. No response. She told me that there was nothing further she could do for me and that I needed to wait today for the Assistant Manager to call me. I want my account unfrozen immediately. I want the {$2300.00} check I deposited elsewhere to be honored.
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| 03/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We believe the FDIC recently referred this complaint to the CFPB, however it has been market as a duplicate. While it may be similar to a previous complaint, new details regarding Region 's unwillingness to answer questions about the client 's escrow account have been added. Furthermore, if you review their response to the first complaint, Regions simply rehashed a timeline of what happened without acknowledging the issue whatsoever, let alone attempting to offer a solution. We implore the CFPB to review the unwillingness of Regions to address the client 's concerns in the first complaint and based on your review, consider refraining from closing the complaint. In our opinion, companies should not be allowed to type a long response with tangential details to fool the public with the appearance that they have actually attempted to resolved the issue with the client.
( For full details, a file with chronological correspondence with Regions Bank has been attached. ) XX/XX/XXXX : contacted customer support to request that my next [ extra, manual ] payment be applied to principal only. XX/XX/XXXX : customer service answered affirmatively, that my next payment would be applied as requested, and advised client to proceed with making payment online, which was initiated on XXXX XXXX XX/XX/XXXX : by default, online system drafted extra {$1500.00} beyond what was requested ( {$3000.00} ). A total of {$4500.00} was debited and additional ( regularly scheduled ) {$1500.00} autodraft for XX/XX/XXXX took place. Regions took that extra {$1500.00} and held it for two weeks and applied it to my next scheduled payment. Client would later serendipitously learn that Regions did not even apply the {$3000.00} to principal until after these two weeks. XX/XX/XXXX : notified customer service of the issue and requested rectification. Ensuing weeks : often received no response and had to send follow-up reminders to solicit a response ; most of the replies did not address concerns at all and were dismissive. Initially asked if customer wanted a refund via wire transfer and customer chose wire. But only later warned warned customer that this option would make the customer delinquent. Customer service continued to insinuate the notion that the customer was somehow responsible for giving that extra payment, which has been vehemently disputed. Regions online system and instructions were misleading, and one of their agents ( XXXX ) admitted as much. XX/XX/XXXX : Customer asked if they were eligible for an escrow refund/reduction, to this day, still have not received a response. Current escrow balance is {$10000.00} and Regions takes $ XXXX/month to escrow. Customer closed on this home in late XX/XX/XXXX. XX/XX/XXXX : Despite customer service claiming the whole time that " everything was correct, '' a supervisor eventually tacitly admitted that a separate mistake was also made. Client made a {$3000.00} principal-only payment on XX/XX/XXXX. Apparently, the extra {$1500.00} Regions debited without client 's authorization was held in limbo for 17 days. That {$3000.00} was ALSO held and not applied to the principal at all until AFTER this extra XXXX unauthorized ) debit. The supervisor fixed this mistake ( which ironically wasn't even the concern the client had been inquiring about ). This resulted in a reduction of interest by {$3.00} .... This whole experience has been a mess and the Regions Customer Service team has been a nightmare to work with. Clarity and Transparency pledges are advertised on their website. This was one of the reasons we chose Regions to help buy our first home a few months ago. Unfortunately they have been anything but, and continue to gaslight us.
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| 07/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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XXXX XXXX has not only committed fraudulent activity on my accounts but has closed out my account with the help of XXXX XXXX and racial bias. All I went into the branch in XXXX XXXX, TN to do was withdraw some of my hard-earned money from my business account. I stood in line and watched an older gentleman ( who did not look like me ), withdraw {$5000.00}. When my turn arrived, I approached the counter to withdraw {$7500.00}. I was denied by the teller saying he did not have that kind of cash. I then asked could I at least get {$5000.00}, which I just watched the older gentleman receive. I was denied the {$5000.00} as well. I then asked to speak to the manager. I was asked to wait a moment then directed to XXXX XXXX. XXXX XXXX was immediately hostile and unprofessional stating " I can't give you ANY money. '' When I asked why, she told me because they needed money for other customers since it was near check day. I asked for just the $ XXXX and was still denied. Instead, I was rudely and very hastily offered to close my account and give me a cashier 's check! ( Which would absolutely do nothing to help the situation. ) I told XXXX XXXX I was recording her response because it was XXXX motivated and unprofessional in all aspects. I also made clear that closing my account was not the option I expected a professional in charge of the care of my personal and business finances to offer so nastily. I was so hurt and disappointed by this encounter. I left the XXXX XXXX branch where XXXX XXXX works and drove 45 minutes to the next nearest branch which was in XXXX, TN and withdrew the money I needed with NO problems or prejudgment at all. This has really affected my relationship with Regions and definitely the XXXX XXXX branch. My account was closed by XXXX XXXX whom closed my account solely off XXXX XXXX 's word. He never talked to me. He never contacted me to see what was the issue. He just closed my account with as much bias as possible. I have tried numerous times and filed several complaints with Regions since my account was closed. ALL but 1 went unanswered. I recently spoke to XXXX XXXX ( XXXX ) who assured me that she was XXXX biased and made the issue for my account being closed like she was the banks lawyer. She very nastily asked " What did I expect her to do and told me I was not getting my account back. Now the reason that they have taken my account is because I recorded the 20 seconds of XXXX XXXX 's unprofessional and biased approach. Which they did not know if I had truly recorded her or not at the time they closed my accounts. And of course this comes right as I was applying for a well deserved and hard worked for " line of credit '' with Regions. I have been nothing but a loyal customer of Regions. I've had my account for atleast 3 to 4 years. I got no respect. I got no rational and fair treatment. I've been treated very rudely and my concerns have gone ignored. The treatment of customers has not been addressed and the professionalism required. When I told the " regional Manager '' XXXX XXXX that she was acting unfair and unjust and that she should be more like the professional employees I encountered at the XXXX branch ( after leaving XXXX XXXX the day of the incident ), she told me to complain to whoever I'd like, she's not giving my account back, good luck with my line of credit, and hung up on me. This was so very rude and unprofessional that, here I am seeking help, because there has to be some kind of consequence on these employees behalf for their behavior and some kind help with my account and payment for all the problems this has caused and created for my business. This was my main business operations account.
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| 01/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have an account with Regions Bank which is a fairly new account, I have considered closing the account due to the fact that there are limited Regions banks conveniently located throughout XXXX, NC. As a result, the only way in which I am able to fund the account is through Direct Deposit or electronic bank to bank transfers or through transfer services like XXXX XXXX or XXXX. The initial problem began XX/XX/2019, Regions charged a service fee of {$8.00}, I noticed that the fee was causing my account to reflect a negative balance so I immediately made a transfer on that same date of {$10.00} via XXXX XXXX to the account. After transferring the funds, Regions updated the account to reflect the transfer and my account showed a positive balance. A few days after that, on XX/XX/2019, I made two other transfers using XXXX XXXX to fund my Regions account because I needed to go to the grocery store, I went to XXXX XXXX and XXXX XXXX on that date and checked my balance prior to shopping. The account was reflecting a positive balance. However, I see an NSF Fee of {$36.00} was charged on XX/XX/2019, and when I checked my account on last week, I noticed that Regions actually posted the transaction on Monday, XX/XX/2019, instead. On XX/XX/2019, I made another transfer into the account using XXXX XXXX of approximately {$440.00}, these funds were used to pay bills. I paid {$89.00} to a payee ( XXXX XXXX ) as well as made a few other transactions. Again, I budget my funds to the penny, I knew exactly how much money I had and was carefully monitoring the account to ensure that I would not " go over '' my available balance. However, I see that my payment was returned and I was not notified via e-mail notification or any type of notice that the payment was returned until today, XX/XX/2019, when I received a notification from the company, XXXX XXXX advising that the payment was returned and I was charged a {$15.00} fee. In addition, I received MORE fees from Regions for a returned payment but the funds were there so my question is why am I being charged all of these fees when I am making transfers and depositing to the account? I contacted the branch where I opened the account and spoke with XXXX who stated that Regions processing time is delayed and therefore transactions sent after XXXX XXXX is posted the next day. I explained that I was never given this information upfront and was disturbed by the fact that it does not warn you of that prior to completing any type of transaction or anywhere in the bank 's Online portal but, he did not attempt to offer any courtesy refund for the inconvenience and the fact that the bank does not have ATMs within 2-5 miles of my area. I am just getting back to work, as the bank can see based on my deposits and I do not have money to pay in fees. As of date, I have paid {$100.00} in fees that should not have occurred. I have proof of the dates in which the funds were transferred according to my XXXX History. There is no reason as to why there should have been such a significant lag in processing times, especially when it was an electronic transfer. XXXX suggested that I use XXXX, but XXXX is just the same as services like XXXX XXXX, XXXX XXXX and XXXX. So technically, had I used XXXX, there would have been a possibility of the same issue. A fair resolution would involve Regions reversing the {$100.00} in fees. Also, when you call to speak with someone regarding this issue, it seems as if no one can help. There are extensive hold times and you are told that a ticket is being entered but it takes almost 2-3 weeks for the ticket to be resolved. Regions may not be the worst bank but their processes need updating.
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| 02/10/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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This complaint is in reference to perceived unfair, inconsistent and poorly explained " HOLDS '' on deposited funds into an ordinary business checking account at Regions Bank ( Regions Financial Corporation ) in XXXX, North Carolina. For several years, I have experienced inconsistent treatment regarding " HOLDS '' on deposits into a corporate checking account. On some occasions Regions Bank ( heretofore referred to as the " bank '' ) would make deposited funds available on the next business day, while on other occasions they placed a " HOLD '' on the funds. Mind you, the deposits to which I refer are checks payable to my corporation from the very same, reputable issuer ( client ) and drawn on an equally reputable local bank.
Most recently ( XXXX XXXX, 2016 ) I made a deposit into my business checking account and was informed there would be a 7-day hold on the funds. After hearing from an officer of the bank via e-mail I learned that she had reviewed the case and stood by the hold for reasons that she described as an unusually large deposit into an account that averaged smaller deposit amounts. She represented this to me in vague terms, only citing my average balance and my average deposit amount, with the implication that those numbers were sufficiently low to flag this deposit for an extended hold. I was not provided with details regarding their hold policy nor has the bank made me aware of relevant calculi that would flag such a hold, leaving me, as a consumer, unclear and suspicious about their business practices.
Further, I 've requested information from the bank regarding the status of the funds they are holding, more specifically, if those funds had indeed become assets of the bank during the hold period. They have not responded to these reasonable consumer requests nor have they responded to my question as to whether the my funds on hold were collecting interest for their institution.
Regarding this specific deposit hold, the bank officer produced a document that was purportedly given to my wife when she made the deposit. This document stipulated that there would be a 7-business day hold on all but {$200.00}.
Firstly, my wife never received said document and secondly, according to the bank 's own document, I 'm owed immediately ( at a minimum ) {$200.00}. As of this writing, a full two business days later, I have yet to receive the {$200.00} credited into my account. This simple fact alone indicates a lack of good-faith from the bank, and in my mind they are ( again, at a minimum ) illegally holding {$200.00}.
I 've tried repeatedly to work with the bank in good-faith, asking them to perform normal due-diligence by contacting the issuing bank to verify the funds, then release them to me in total. The bank has offered nothing but vague explanations and utter dismissal and intransigence in dealing with me on this matter. Meanwhile, I 'm now overdrawn on my accounts, paying significant overdraft fees on a daily basis, until they release the hold on my money.
I do hope their intransigence in this matter is n't relative to the fact that, while they hold my money, they stand to impose and collect significant overdraft fees. Again, this notion goes to my cause for concern regarding their ethics and vague business practices.
I hope that the Consumer Financial Protection Bureau can assist in ameliorating what I consider to be unfair and unethical banking practices, of which I consider myself a victim.
You have my explicit permission to publish the above description so that other consumers may become aware of Region Financial Corporation 's business practices as they relate to their customers.
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| 01/26/2017 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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On XXXX/XXXX/XXXX we issued a check for {$2600.00} to XXXX of our vendors, XXXX XXXX XXXX, for a transaction. The equipment ended up faulty so we contacted our bank, XXXX, and proceeded to stop payment on the check on XXXX/XXXX/XXXX. This stop payment went through on XXXX/XXXX/XXXX and was successful. The payment was stopped and the vendor 's bank, Regions Bank, marked the check with the stop payment notification clearly across the check returned a copy to the customer.
On XXXX/XXXX/XXXX, the vendor went back to his bank, Regions Bank, with the copy of the check, which clearly showed it as a stopped payment. Somehow, his bank still accepted and processed the copied check, even with " Stop Payment '' written clearly on it. Our bank, XXXX XXXX XXXX, despite having issued the original stop payment in the first place, and the check that they received clearly stating stop payment on it, withdrew the funds for this check from our account.
We noticed the check had somehow cleared on XXXX/XXXX/XXXX while doing our bookkeeping. XXXX, the President of our company then contacted our bank, XXXX XXXX XXXX, and at first spoke to our reps in our local branch, XXXX XXXX & XXXX XXXX, who were helpful, but there was only so much they could do. They put him in contact with the Compliance Office to get help with this issue and have it resolved and the funds from the stopped transaction put back in our account. XXXX was put in touch with Compliance Officer, XXXX XXXX. As XXXX went over the details of the situation with him, XXXX was unconcerned with helping us, and XXXX did not appreciate the attitude and lack of courtesy and customer service XXXX gave him rather than addressing our problem. XXXX told XXXX he would call him back the following day and he did not, leaving XXXX to try and get in touch with him after he did not hear back from XXXX. XXXX did not get the feeling that XXXX ever even worked on our problem. After XXXX finally got hold of XXXX, he informed XXXX that we were " XXXX. '' and there was nothing to be done, we were simply out the {$2600.00} in funds we had stopped the payment on, and XXXX XXXX XXXX would not help us get them back. XXXX sarcastically asked XXXX, " If your customer wanted their money back, you would n't give it to them, would you? '' And XXXX told him that was incorrect, if we had a customer that was important enough to us, we would do what it took to make it right, including refunding them. XXXX XXXX and XXXX XXXX XXXX have different values on customer service then we do apparently.
XXXX then sent a certified letter to XXXX XXXX, the CEO of XXXX regarding this problem on XXXX/XXXX/XXXX, which was received the next day. We finally received a response back from XXXX XXXX on XXXX/XXXX/XXXX. In the letter, XXXX XXXX stated, " XXXX XXXX XXXX, however, assumes no responsibility for the actions initiated by Regions Bank that resulted in the check clearing your account. '' Despite XXXX motto on their brochures being " Bank with Confidence '', and the statements in the brochure claiming " We value your relationship and appreciate the trust you have in us. '' they are doing everything in their power to shake any trust and confidence we have in the banking system. This payment should have been stopped by XXXX or Regions Bank, as the stop payment was originally issued successfully and clearly visible to all parties on this check that was processed, and should have been caught by one or both banks before it hit our account. Once it did go through, we should have gotten help or even some decent customer service from the Compliance Officer we dealt with, instead of attitude and the run-around.
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| 08/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This company has had many issues since they changed their system back in XX/XX/XXXX. The issues are as follows : 1. Website changes resulted in a poorly functioning website, which constantly has code errors. I can not even order cards or do most basic functions which they try to tell you to do online. The " enable support '' button does not even work when you contact them for help. I spent almost a full year last year calling 2-3 times a month notifying them of the issues and requesting that it be fixed. It never was.
2. Billing issues galore.
- Their normal time between bill sent and payment due is 14 days. Even when a check is mailed on the day the bill is received, they still post the payment late and they charge exorbitant fees and interest.
- Using their online payment is problematic as well. I tried to pay my statement balance on XX/XX/XXXX and their system would not allow me to pay the full statement balance. They could not explain why. I was told today that they know of a few accounts this is affecting but do not have a fix yet. When I received my bill on XX/XX/XXXX, it shows a past due for the amount that it would not let me pay before, even though the person on the phone, XXXX, assured me that it would not happen.
- When they credited back fees ( the XXXX one was in excess of {$1500.00} ) they force you to pay the whole amount, including their error, and it will be fixed in the following month. If you do not pay that amount, they freeze your account, even though you actually did not owe the money. They state they have no way to apply the credits right away, they can only be applied to the next bill.
- Allowing merchants to submit payments 8 months later and backdated to that time. ( I received charges from XXXX on my XXXX statement ) XXXX stated that they do not have rules or timeframes in place for merchant submissions. They also do not have a way to start disputes with a phone call, they make you go to the website, which, as per above, is problematic. When you select the " other '' for dispute, it tells you to call their customer support who can not file the dispute! They tell you to file the dispute with the vendor. I reconcile my pending charges every single day into an XXXX spreadsheet then reconcile them against the posted transactions when the bill is issued. These charges were not included anywhere in XXXX or any other bill until the one sent on XX/XX/XXXX. Being a XXXX company, we have every 6 months financial statements done by an accountant. The first half of my year has already been closed out and I can not add in expenses without causing major problems. Also, after this amount of time has transpired, I can not be sure that these are legitimate charges, as my guys are not going to remember where they stopped for fuel or whatnot 8 months ago.
3. Call center issues - When they did their changes in XX/XX/XXXX they started using international call centers. This has caused many issues. Most times I am connected with someone in another country who I can not understand through their accent. Also, every single time I have called customer service to have an issue on my account fixed, they have created even more problems. One example is calling to increase limits on a card resulted in that card being blocked. The customer service reps do not seem to understand how to properly correct issues. Also had numerous times where they can not understand simple explanations, most likely due to the language barriers.
I have contacted the XX/XX/XXXX for issues with this company before, and though promised the issues would be corrected, they have not. If anything, it has gotten much worse.
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| 01/19/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
- Application denials
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Web |
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Discrimination and XXXX XXXX XXXX
On XX/XX/, I applied for a Home Equity Line of Credit for my home with Region 's Bank with an excellent credit score of XXXX to XXXX with NO DEBT and substantial amount of month income. Regions conducted an appraisal, and the value of my home was showing XXXX XXXX with a remaining balance on the home of XXXX XXXX. Leaving me with substantial amount of equity in my home. I requested XXXX XXXX for the Home Equity Line of Credit based on the calculation of equity that was showing in my home.
After a long wait the underwriter said they could only do {$42000.00} for the loan amount. I asked why they could only do half of the loan amount and the Regions Bank Underwriter could NOT provide a valid reason for the reduction in the loan. I was very upset with this decision but just went ahead and agreed to the terms of the loan. Signed ALL of the paperwork for the HELOC to go to closing and was waiting on the closing date. After waiting several weeks waiting for the closing date i started to having problems with the loan officer XXXX XXXX ( XXXX ) from responding to my email and phone calls trying to find out the closing of the HELOC. After several weeks of trying to get a hold of her tells me my loan has been CANCEL due to Debt-to-Income ratio. I explained to her how is this possible when the ONLY DEBT and PAYMENT I HAVE IS MY MORTGAGE PAYMENT. I HAVE XXXX DEBT.
I REQUESTED THEM TO PROVIDE AN ITEMIZED STATEMENT OF WHAT THEY USE TO CALCULATE MY DEBT and Regions would not provide this information. I requested to speak to the OBUDSMAN Office and was denied.
PS : During the application process the underwriter requested to speak to me and when he called he real had nothing to talk to me about. He stated that he wanted to know if my mortgage account was escrowed. Which didn't make any sense because the underwriter had copies of my mortgage statements showing CLEARLY that my account was escrowed. I BELEIVE the reason of the call was to try to identify IDENTFY IF I WAS XXXX DUE TO THE NATURE OF MY NAME. THE UNDERWRITER SENT ME A DENIAL LETTER DATED THE SAME DATE THAT SPOKE TO ME ON THE CALL. WHICH DID NOT MAKE ANY SENSE SINCE WE HAD SCHEDULE A CLOSING A MONTH AND HALF LATER FROM THIS DENIAL LETTER.
WANTED TO FILE A Discrimination and XXXX XXXX XXXX against this company IMMDEDIATIELY.
XXXX XXXX XXXX XXXX COPY OF EMAIL BELOW OF HELOC APPROVAL : XXXX XXXX XXXX You XXXX XXXX I got word from our processor to comply with Texas HELOC guidelines we will need both your wifes signature and your signature on TEXAS XXXX .
I have attached it to this email.
Email received.
Update from Processor : Notes from Reviewer : Processor : is the document acceptable?
Comment : TX XXXX Spouse will need to sign Internal Use From : XXXX XXXX Sent : Tuesday, XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : [ EXTERNAL ] XXXX XXXX Follow up on Closing Date for HELOC [ External Content ] Please use caution.
Good morning, XXXX I wanted to follow up on the closing date for the HELOC? Thanks for all your help!
Sent from my XXXX On XX/XX/, at XXXX XXXX XXXX XXXX wrote : Thank you XXXX XXXX, XXXX received.
Internal Use From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : [ EXTERNAL ] XXXX XXXX Signed Docs for HELOC .... Applicant 's Authorization, XXXX, and Notice Concerning Extensions of Credit [ External Content ] Please use caution.
Good evening, XXXX Here are the signed documents that you requested to complete the HELOC Loan. Let me know if you have any questions or concerns. Thanks for all your help!
XXXX XXXX XXXX XXXX
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| 04/07/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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We had a joint checking account ( husband and I ) for over 14 years with Regions bank in XXXX, Indiana. I received a letter in the mail from Regions dated XX/XX/XXXX stating they are closing my account. We tried to call and talk to a representative at Regions. We were told they do not have to disclose the reason why. We then went to the local branch we had been banking at and got the same response. There was plenty of money in the account and we had never had an overdraft on the account. We were told to run a credit check on myself. We did and the credit report was fine. It all started when we went to the bank on XX/XX/XXXX to open a student checking account for our XXXX year old daughter. The bank employee opening the account had trouble adding me as a parent on to the account. She was able to add my husband but continued to have trouble with me. She finally gave up and just put my husband on it and said she would straighten it out later to get me added and would contact me. I never was contacted but then received the letter dated XX/XX/XXXX in the mail sometime later ( I opened it on XX/XX/XXXX ). Consequently, all of our money had been frozen in the account as of XX/XX/XXXX, electronic bill payments were returned and not paid as we were not aware of the account closing effective XX/XX/XXXX and our direct deposits of our pay checks from our employers would not go through either. This has been a hardship for us. It is unfair to hold our money hostage while Regions profits from holding our money in the meantime. We were told we would receive a check for the balance of the account 10 days after the date of the letter. We were able to get the cashiers check on XX/XX/XXXX for the full amount. We since have closed another joint trust account that was held in my husband 's and his brother 's names from their father 's estate ( this account was not affected as my name was not on the account-they only had a problem with me, not my husband ). Their father recently passed away. We will no longer do business with them at all. If an institution doesn't want to do business with me, I can live with that but I should have the right to know what it is they are basing that decision on. What if my identity has been stolen or there has been fraud committed in my name yet I didn't commit the fraud? I deserve the right to defend myself and clear up the matter. What if it is based on false information? What if it was just a data entry error by the bank employee that was having trouble adding my name to my daughter 's student checking account we were opening? Which this is very likely as everything was fine until after the day we opened that account and had trouble with my name. Regions would not even discuss the issue with us though. They just closed the account as if I am some kind of criminal. Guilty before proven innocent yet no recourse to even plead my case or investigate it. I am not involved in any shady business dealings, drug dealings or anything that would give cause to associate with me. I am an XXXX, gainfully employed. On XX/XX/XXXX we opened a joint checking account at XXXX XXXX after explaining to that bank employee what had happened to me at Regions. She ran a credit check and XXXX report on me and said everything was ok. We were able to open our joint account. She also said that if XXXX were to decide to close someone's account, they would disclose the reason why.
I have attached the image of the letter we received and also the image of the cashiers check for the full amount of the content of the account that was closed-in my husband 's name-to prove there was plenty of money in the account.
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| 09/05/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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XX/XX/2019 Complaint Against Regions Bank Mortgage Process They Lied about the completion of an Appraisal causing me to miss out on an affordable home.
Greetings To All, I am a former educator and currently on XXXX. Im presently residing in XXXX, Georgia. I applied for a mortgage loan through Regions Bank in XX/XX/2019. The home that I was attempting to purchase is located at XXXX XXXX XXXX XXXX, Georgia XXXX. The seller was only asking {$35000.00} for the home. The home was an As-Is property utilizing a USDA loan.
I submitted all the necessary paperwork to my loan originator Mr. XXXX XXXX and was approved and paid for an appraisal fee of {$470.00} on XX/XX/2019. On XX/XX/2019, I emailed Mr. XXXX XXXX asking where was I in the loan process ; he replied : Just waiting to get the appraisal back. However, I was verbally informed by Mr. XXXX XXXX XX/XX/2019, that due to the low or unfavorable appraisal of the home my loan could not move forward unless the seller fixed the necessary findings from the appraisal ; ex holes in wall and light fixture missing ect ... I stated that some of those findings were not true and sent Mr. XXXX a picture collage of the 4 bedrooms 3 full bathroom home. We reached out to the seller agent XXXX XXXX and he said he would get back to us. The appraisal was supposed to have been completed by XXXX XXXX XXXX in XXXX, Georgia. On XX/XX/2019, I got an email from Ms. XXXX XXXX saying my loan had been conditionally approved by the underwriting team. However, also I got a call from Mr. XXXX XXXX on XX/XX/XXXX. Mr. XXXX said that he received an email back from Mr. XXXX stating that they would not be doing any repairs to the home prior to closing. Therefore, we could not move forward with the USDA loan and that I would get a copy of the appraisal report.
On XX/XX/2019, after about month I called to find out when I would be receiving my appraisal report ; to my dismay, I was informed by Mr. XXXX XXXX that the appraisal could not be found in his files and that he needed to reach out to his supervisor. On XX/XX/2019, Mr. XXXX XXXX stated that the appraisal was not completed and that the {$470.00} appraisal fee would be returned to my card in 3 business days. On XX/XX/2019, I filed a formal complaint with Regions Bank Complaint Department. Because Regions Bank lied about an appraisal that was never completed. Had I not contacted the Bank on XX/XX/XXXX. They would have kept my appraisal fee and not having completed an appraisal. This might be an ongoing practice hoping that the consumer doesnt ask for a copy of their appraisal report.
However, to add insult to injury ; I received a letter from the complaint department stating that my complaint has been investigated by the bank on XX/XX/2019. The letter stated basically that I lied and voluntarily stopped the loan process. I the entire response is fabricated! I am feeling somewhat slighted. Im also a 1st time home buyer who lost out on a property due to Regions Bank negligence. The house is now under contract by someone else. Ive been an educator for many years. Im currently on XXXX. I lost out on a property that was affordable {$35000.00} ; due to the untruth about an appraisal. Im somewhat confused about how they were able to give the seller a list of items that needed to be repaired prior to closing ; if they did not do an appraisal. I did everything Regions Bank ask me to do. Although, my appraisal fee has been returned ; more needs to be done to assist me with the finding and purchasing of a new home. This home was lost due to no fault of my own. I look forward to hearing from you.
Thanks A Million!
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| 02/28/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, I applied for a home equity line of credit ( HELOC ) with Regions Bank. They advertise a compelling .99 % introductory APR on their website, so it seemed like a good fit to help me fund some home improvements. I began to receive automated email communications regarding my application that were signed by a specific Mortgage Loan Originator who become my contact point for my HELOC application.
On XX/XX/XXXX, I received an automated email notification stating that my application had been conditionally approved. I subsequently spoke with my assigned Mortgage Loan Originator the evening of XX/XX/XXXX, about the terms of the HELOC and the documentation that would be required to finalize my approval. During this conversation, she stated that I should expect 45 to 60 days to close.
Initially, the next steps went smoothly and my application was moving forward, but I hit a roadblock beginning on XX/XX/XXXX. On this date, I received an email from my contact stating : The application is now in the processors que for the final review. Please allow up to 48 hours for the final review to be completed. Please follow up with me on XX/XX/XXXX if I have not yet informed the final review is completed and to schedule the closing. On XX/XX/XXXX, as suggested, I began following up with her. As of today, XX/XX/XXXX more than 6 weeks after my application entered the queue for final review and after numerous follow-up emails my application is still pending, and my repeated attempts to get any visibility into the status of my application or how much longer it will be until I can close have fallen on deaf ears at Regions.
As seen in the provided email thread of my communications with the Mortgage Loan Originator, the only replies I get to my inquiries are that she is emailing the processor again or emailing her manager and the processors manager about my request for any update. Not once have I received a response back from her that provides a follow up response from the final processor and/or the managers in question and all ongoing communication related to the status of my application is being driven by me.
Ive also tried calling about my application. However, the Mortgage Loan Originators voicemail does not allow for leaving a message and directs the customer to either send her an email or call Regions Banks general retail banking customer service line ( XXXX ). The individuals at this number tell me they cant access any information in the system about my application, put me on hold and call my contact point, and then come back and tell me she doesnt have any update for me and shell email me when she does another dead end.
It has now been over 100 days since my initial HELOC application was submitted to Regions far longer than the 45 to 60 days that was initially communicated to me. I understand that banks are facing a huge volume of mortgage/refinance and home equity-related applications due to the current low-rate environment, however it seems egregious that a bank can apparently hold consumers in limbo for as long as theyd like, without any standards for communicating to the consumer about the status of their loan application.
At best, Regions seems to be severely understaffed and lacking in effective process. At worst, they are falsely advertising a HELOC rate to consumers that they have no intention of actually fulfilling upon, which is how I now feel. Im simply asking for Regions to provide me with 1 ) a substantive and specific update regarding the status of my application in the final reviewers queue and 2 ) a firm expected timeframe for closing on my HELOC.
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| 03/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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We own a business called XXXX XXXX XXXX and we retained a credit card called COMDATA, which is a vehicle fuel and maintenance Master Credit card. With this card we get a small percentage off diesel pricing at certain fuel locations for our truck fleet. Phone number affiliated with the account is XXXX, however I, XXXX XXXX am an authorized user on the account and the one who has encountered many problems with their financial team.
We recently retained this card approximately late XXXX, early XXXX. Since using this card, making payments has been a nightmare and dealing with their financial team is agonizingly painful. However, I would like to point out that their customer service team, before being transferred to their financial team is way better equipped with personal whose customer service skills are exceptional.
With this company I have had to make payments over the phone as their website for online payments is a joke and no one is able to assist me in setting this up so I can make these payments online. Therefore, I must pay over the phone.
My nightmare begins on XX/XX/XXXX. On this day I made a payment over the phone, for approximately $ XXXX- {$2000.00} ( confirmation given to me by company was XXXX ). Then, days later, my driver informed that the card was declined. Called COMDATA to find out why and they informed me that the payment made was declined for " Non-Sufficient Funds ''. Checked our XXXX XXXX XXXX account online and verified that the money was in our operating account for the business. Then, proceeded to call our XXXX XXXX and see what happened as online as per what I could see we had the money, and nothing was taken out. XXXX informed me that the money was there and that no transactions were made for this payment from COMDATA.
I called back COMDATA, while I had my bank on the line and explained to the financial team that my bank was on the line and informed me that on the day of the payment request of XX/XX/XXXX the money was there. COMDATA 's response was that there was an account error and that the payment could not be processed and that it was not due to " XXXX '' that it was just what they call it when there is an error. I explained to COMDATA that there is a huge difference between the words " XXXX '' and invalid/error for an account. I was beyond angry at this point and lost my temper with the representative.
Second nightmare, called again over the phone and had to talk with the financial team on XX/XX/XXXX to make another payment of {$3700.00} ( confirmation # XXXX ). On this day, COMDATA, a financial team representative, informed me that our account was locked and once the payment went through, they would unlock the account.
Third nightmare, XX/XX/XXXX, called COMDATA again as our drivers had informed that the card is still declining. Called them to resolve our blocked credit card situation and was told by the financial team that a supervisor can only lift this hold and a " ticket '' needs to be opened to review which takes between 24-48 hours.
Fourth nightmare, XX/XX/XXXX, called today and spoke with the financial team member named Chance who informed me that the ticket is still under review. When I asked to speak to a Supervisor, he indicated that no supervisor was available and that he would give my number to a Supervisor to call me back. I then asked him if he needed my number and he responded to me by saying the one on file. Asked him to repeat the number as I wanted the supervisor to call me back at another number. The representative was apprehensive to take down the number that I wanted the supervisor to call me back.
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| 05/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Please pardon me if I do not have exact dates, just the week of, but the gist of the problem is that I am broke. I am unemployed and my Stimulus payment was taken by Regions Bank for overdraft fees. It's important to know that my account was deliberately over drafted during this unprecedented times to make ends meet. I had every intention of replacing the money, but lost my job and then my situation was worsened by the onset of COVID-19.
Somewhere around XX/XX/XXXX I contacted Regions Customer Service XXXX XXXX XXXX and spoke to, if my memory serves me correctly, XXXX. At the time, I verified my account and gave permission for my mother to speak with the representative as I was feeling poorly at that time. We specifically asked XXXX if there was a process to request the return of the Stimulus since I am now unemployed and broke. XXXX did not provide any details on how that could be done and offered to adjust some other smaller fees that resulted in a {$200.00} credit to my checking account. XXXX said that we'd have to visit a local bank for more to be done. The problem is we are in the middle of a pandemic and this was prior to the re-opening of States.
The problem is that Regions strategically route all calls to Customer Service so you can't get a direct number to a Regions Branch Manager, you can only speak to Customer Service, but through a prior interaction, my mother remembered she had the desk number of a Regions employee and called that. At that time we were able to talk to a Branch Manager. The problem was explained to that Branch Manager and the same inquiry was made as to how to reclaim the Stimulus check back that Regions took for overdraft fees.
Much to my dismay, the Branch Manager said that there was a way to appeal that decision, but that had to happen by XX/XX/XXXX. It was now XX/XX/XXXX and he said there was nothing he could do. After begging and explaining my situation of homelessness and unemployment, he said he will put in a " ticket '' and see what happens. That was two weeks ago with no follow-up. A subsequent call to the Branch Manager yield nothing. Initially, he denied remembering the conversation, but later said that he had not heard anything yet.
It's my understanding that Region ' 2018 reported revenue was a whopping {$6.00} XXXX, but they can't forgive my NSF fees that were generated in an emergent situation and give me back my Stimulus payment that I need desperately. I believe that Regions was strategic in the Customer Service representative not informing me of a way to appeal that process when I had time to do so on XX/XX/XXXX and now want to provide this watered down explanation that oops you missed it by two days ... too bad!
I understand that Regions don't owe me anything, but we are all navigating through some unprecedented times and I need the Stimulus money far more than Region does. I can't even buy deodorant. I need to get back to XXXX, Georgia, but don't have gas or money for a battery and new tire or two. All of which the Stimulus check could have helped me do. Technically, I am now homeless and the person I am living with is moving to a one bedroom apartment to save on expenses and I have to vacate their apartment.
I believe that I am getting the run-around at this point. Can you please help me appeal to Regions. I am shocked of the treatment that the Customer Service Representative wouldn't provide the information we needed. And even further shocked that a Regions official explained that she may not have known. If she, in Customer Service, don't know who should the consumer expect to know?
Please help me.
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| 05/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Date XX/XX/XXXX Time XXXX PM To CFPB, On Wednesday, XX/XX/XXXX, I went to Regions Bank on at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My XXXX and I are both active account holders at the bank. I endorsed ( signed ) the back of the check and my mother endorsed ( signed ) the back of the check because it was written to both of us. We presented our Regions card and drivers licenses, mine, and hers, to the teller. The check was from XXXX XXXX XXXX for {$7500.00}.
The next morning, Thursday, XX/XX/XXXX, I checked my email and saw that Regions had sent a message stating that there was a problem verifying the identity one of the payees on the check. This did not make any sense because we are both account holders at the bank.
We drove from where we were for XXXX hours to get to XXXX XXXX XXXX, which was the closest Regions from where we were. We talked to a lady at a desk, and she directed us to speak to the manager. The manager said she would call XXXX XXXX XXXX. We sat in the lobby for an hour watching her play on her phone in her office until we decided to go to her office and ask if any progress had been made. She said she called XXXX different XXXX XXXX XXXX, and no one was answering. Then she said that the check looked like a fake because the reason why the check was given to us was not written on it. We had already watched the security guard be aggressive to one of the customers that came in and the manager explained that security had to be rough with the customers from that neighborhood. I was having an XXXX XXXX due to XXXX and left. Later that afternoon an email was sent that an endorsement was missing, and the check would be held until XX/XX/XXXX. We went to Regions in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The bank employee had us sign unnecessary forms. She also took copies of our Regions cards and licenses. She talked to someone at XXXX XXXX, and she told us that someone in the back had made this error. She said it would be a good idea to fill out an endorsement form. I wanted to fill out a complaint form and she was just trying to do anything to protect the bank.
The next day, Friday XX/XX/XXXX, my mother received an email that the copy of her drivers license wasnt acceptable and requested her to send it again. My mother stated all the trouble she had been through in an email and the bank employee told her she wasnt levelheaded and instead of complaining it would be easier to just send the drivers license to her. The bank employee completely disregarded the past couple of days spent to try to please and appease the bank as nothing to be upset about. For the fifth time, my mother sent the drivers license again.
All this trouble was for nothing because the bank sent me another email that evening which said that the funds would still be on hold for the XXXX days. The Expedited Funds Availability Act of 1987 mandated those local checks be hold no more than XXXX business days. After 2010, all checks in the United States were considered local and the checks could be held for 5 days.
As a result of Regions actions, the act has not been honored and the time has lapsed to release the funds. Finally, me and my mother have become homeless from the bank not releasing my funds and from the bank not providing the services to me as a customer and to my mother as a customer. I was treated like a criminal and told the check was a fake. I wasted a lot of time and energy trying to get money that is rightfully mine. My mother was treated like a ghost that does not exist. I would like to have this matter solved as soon as possible.
XXXX XXXX
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| 04/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Hello, I am hoping someone at your organization can help me with my complaint regarding Regions Bank. My husband and I have made several attempts to get overdraft fees reversed. My husband called Regions, and spoke with a representative and her supervisor. Both ladies said they couldnt remove the charge. My husband was told to go to a branch to see what they could do. He spoke to a representative at our local branch. She was supposed to research the charge and follow up with us by XX/XX/XXXX. We never heard from her. I emailed Regions 3 times after this as well, but they are unwilling to help.
What happened was we had 6 pending transactions in our account on XX/XX/XXXX. We had enough money to cover the pending charges. My husband and I went out to dinner on XX/XX/XXXX, and after dinner we had an available balance in our account of {$79.00}. We shopped for groceries afterwards, and spent {$90.00}. My husband and I did the same thing the week before, because he got paid the following day. He deposited his paycheck and we didnt receive any overdraft charges. We figured it would be the same this time, but instead we were charged 6 overdraft fees adding up to {$210.00}.
The XXXX transaction of {$90.00} on XX/XX/XXXX was what caused our account to be overdrawn by {$11.00}. We can understand having to pay 1 overdraft fee for this, but we were charged 6 overdraft fees instead. In the emails Ive sent to the bank, I tried asking them to reverse 5 charges and asked if we can just pay 1 charge. Each time they emailed me back stating theres nothing they can do.
I was told the reason for the 6 overdraft fees is because we had 6 pending transactions on XX/XX/XXXX, before we went out to dinner and went to XXXX. Regions states they allowed those payments to clear first ( our dinner at the buffet for {$30.00}, and the transaction at XXXX for {$90.00} ) a total of {$120.00}. We had an available balance of {$110.00} when they did this, which brought the account to - {$11.00}. Then they charged us overdraft fees for the smaller 6 pending transactions.
This seems very unfair, because we had enough funds in our account to cover all pending transactions except 1. My husband also deposited his paycheck in the account on XX/XX/XXXX, which would have covered the amount we were overdrawn ( {$11.00} ). His paycheck posted to the account before the last 2 pending transactions posted on XX/XX/XXXX ( {$30.00} at the buffet, and {$90.00} at XXXX XXXX. Ive attached screen shots to show this.
Regions representatives also told us they can not waive any fees because we have had overdraft fees waived 3 times in the past ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The fee waived on XX/XX/XXXX was only {$18.00}, because the representative my husband talked to made a mistake. It was supposed to be for {$36.00}, we just never corrected them.
Since the phone calls, branch visit, and emails werent getting anywhere, I emailed again asking if there was a specific department I could contact regarding my concerns/complaint. I wasnt given an answer, instead I was given a breakdown of why I was charged the fees. They have given me the breakdown twice. However, no matter how they word it, the bottom line is we had enough money to cover all but 1 of our pending transactions. In addition, my husbands paycheck posted to the account before the last 2 pending transactions did.
Im hoping there is something that can be done about this. We have been with the bank a few years, and rarely ask for anything. Any help will be greatly appreciated. Thank you, I hope you have a good night.
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| 05/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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The Fraud against me began Saturday XX/XX/XXXX. I had called an XXXX # that I XXXX, I thought I was speaking with XXXX customer service about an item I ordered from XXXX and I wanted to make a return. I called to find out the process because I had never returned jewelry before as it was purchased through XXXX XXXX The person ( s ) representing XXXX XXXX customer service hacked into my account while speaking with them, they told me that this was the process for making a return through XXXX and once the process was complete I would never have to verify who I am again if I had to make a return in the future. Both my XXXX and XXXX account were compromised, those accounts are both linked to my Regions Bank Debit card. By the end of that day the thieves had taken all of my money from my Regions bank account.
XXXX I reported it to Regions that my debit card was stolen, I also notified XXXX XXXX and XXXX that my account had been compromised. I was on hold for over 2 hours trying to reach someone with Regions fraud department to report my account compromised in the amount of {$2400.00}. I filed a fraud claim, I took extra precaution with the Credit Bureau a to have Fraud alerts added to my identity.
XX/XX/XXXX I was able to file a claim with XXXX XXXX and XXXX Monday XX/XX/XXXX I spoke with Regions bank to officially go over what transactions that were mine and the ones I did not authorize. I was told by Regions that I could not file a fraud claim until the transactions post, at this time it's the weekend so those fraud charges still showed as pending.
XX/XX/XXXX the charges posted to my regions account, I call the fraud line for Regions bank and filed my claim. I was told by Regions the process will take 2-10 business days.
XX/XX/XXXX I went to Regions Bank to put a passcode on my account and the bank manager informed me 2 business days in the the Fraud Resolution team had closed my claim. I wasn't notified by anyone. A letter came in the mail 2 days later. I told the bank manager what had happened to me on XX/XX/XXXX, the explanation I was given was because I had a XXXX XXXX and XXXX account how do they know I did not participate in this scheme and now I am filing a claim of Fraud. This was insulting, I was hurt and appalled by that suggestion and accusation. I would NEVER do any of those things. I work hard for what I have. To suggest that I would commit fraud against myself. That day the bank manger said she would reopen my claim and for me to provide as much information as I could about what had happen. The bank manger informed me to allow another 5 business days for this process. I did what was asked of me and provided more information.
XX/XX/XXXX I called for an update and was told they did not find any documentation of any kind added to my claim for review, after I gave who I talk to and the Regions Branch I was at the rep did find the additional documentation I had provided and ask that allow a couple of more days for the investigation to be completed.
XX/XX/XXXX I called the regions bank Fraud line to get an update on my reopened claim. The rep I spoke with today Friday XX/XX/XXXX said it looks like it has been closed. I am to wait until after the XXXX XXXX holiday to get an explanation. Regions Bank did not take the time to look at my buying history or transaction history I have been with Regions Bank I know for more that 10 years and this is how I am treated. Regions did not even investigate my transaction history with XXXX XXXX or XXXX to see that these large transactions created in one day should have seem suspicious.
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| 07/27/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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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.
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| 11/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I worked at Regions Bank from XXXX until XX/XX/XXXX. I will keep this about the alleged credit card that Regions is reporting as past due account due to charge off. My name is XXXX XXXX XXXX, credit card was a Regions personal credit card ending in XXXX. One of the Reasons I left Regions was there investigation into my personal LLC XXXX of the reasons why I quit the bank. Back to this case however, I closed all of my Regions accounts ( except my mortgage, and retirement IRAs with Regions ). This specific credit card was closed by XXXX XXXX who is the Assistant manager in the XXXX IL branch. Regions claims that I mad some small charges for a direct pay I had on the credit card. I cant remember which company tried to pull money but Region ( most likely the software used ) reopened my account paid it and then left the account open. My email address was set up as XXXX and apparently my statements kept going to the XXXX branch after I left the company. Regions claims they sent these to my home address which is a false claim. I did receive ( will attach ) a letter to my house for official notification of charge off that they state in the letter will affect negatively my future credit and my ability to apply for credit in the future. ( Well they were right about this one ). This sole act by Regions has sank my credit score over 100 points. They apologize for my inconvenience but state they wouldnt remove. All I wanted was a civil end to this credit card but the Legal Department stated ( will attach ) that I am basically liable and they will not remove. Ok well that was an easy answer for them and they brought this claim on themselves by not help a current priority customer and ex employee. The letter I recieved on or account XX/XX/XXXX was form XXXX XXXX ( Senior Vice President ). Regions Bank. Being that I worked there I emailed him directly and he referred me to the legal department in which I tried to settle this matter with. I guess it was just to hard for them to remove so they stated AGAIN that it was my fault. 1st off I had an XXXX fico score. Why in the world would I not pay that amount. I paid the balance in full in the amount of {$310.00} in cash at the XXXX IL branch. A tell applied the payment. I dont feel like I owed this amount but I couldnt afford a charge off. XXXX XXXX is the person who contacted me from the legal department at Regions. Regions claims to have sent me 4 statements showing me past due to my residence ( they did not SEND ). There XXXX computer is wrong on this and was wrong! To reopen my credit card account with out my knowledge. Those charges should have been refused not accepted by Regions. Regions I feel has really gone above and beyond to hurt my credit, my business credit and my standing at the bank. I almost feel this is retaliation from two former bosses of mine XXXX XXXX, XXXX XXXX, the XXXX XXXX. I can go into detail why these individuals are not long in XXXX XXXX managaement but I want to just have this REMOVED and by Removed I mean elimated that I ever was a holder of this card. At minimum I need my credit reported correctly by Regions to the 3 credit reporting agencies ( XXXX XXXX, XXXX, XXXX ). This could have an easy solution but it seems like Regions doesnt want to take this simple solution. I will not quit this fight ever until Regions removes this off of my credit report. I have also contact my personal attorney in XXXX XXXX IL. He suggested I ask first and then if no answers we would fight this in court. I however would just like it removed. Its not the hard Regions I worked there.
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| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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In XXXX I volunteered for my HOA. I was taken to the bank the HOA uses, Regions Bank, with the President of the HOA to get me added. One of my HOA duties was check deposits. I prefer online banking, this was the only way for me to get the app to do so. It was only me and the President. We were adding me and deleting the previous HOA volunteer. When our transaction was completed, I was handed a print out of what we did that day. The print out included our names and FULL social security numbers. Meaning I went home to my personal house with a piece of paper that had multiple other peoples full, unredacted social security numbers. Even including someone who was not there in the branch with the two of us. That was unsettling. I have stepped down in my volunteer position. I am aware that soon new volunteers will be elected and be added to the Regions HOA account, and possibly given MY full, unredacted social security number. I went into the branch today to be taken off the account. I was informed that the president and only the president needs to write a letter and go in to take me off. However, more disturbing is when I spoke up about my concerns about how Regions does not protect my sensitive information and y social already has been printed on items, and now possibly will be given to others in my neighborhood- I was told my the assistant manager, XXXX XXXX that thats what you signed up for when you signed to be added. She repeated that sentiment multiple times. I let her know I absolutely did not sign up for my social security mover to be shared with strangers. And I take my social and other private information very seriously. She went on to say their policy is in accordance with the law, and again that I signed up for it if I would read the small print. She then handed me a pamphlet to read. I asked her where Im the pamphlet does it say I signed up to have my sensitive information shared with my neighborhood, and she said I dont have the pamphlet memorized. Insinuating that the information is in there. I stuck around to begin reading the pamphlet and call the hoa president who was not available to go to the branch at that time. Another worker who was originally helping me prior to getting her assistance manager involved, said what I was looking for is not in the pamphlet. She seemed concerned about the lax policy as I originally showed her the documents I was given with others full SSN. She was nice, but said she was new so couldnt help, but did verify with the manager, XXXX, that they have updated their policy recently and no longer print full social. I dont know this for certain, and it was only last year in XXXX that they did. So Id still like to be taken off the account and verify in certain that my social has never, and will never be shared with anyone under any circumstances. Apparently up until XXXX any person on an account with someone else, business, HOA or other, could have the full sensitive information of all of the people both on or previously on an account. As I was given the full social of the previous HOA member. This needs to be transparently disclosed and Im concerned for the unknowing people who have banked with Regions previously who may have had their sensitive information provided out on a nice neat one pager and handed out by the bank itself. I monitor my credit, and if I see anything suspicious, Im going to see if Regions had any part to play in that. As of today, I am still on the account and other members can go in and access my sensitive information. Nothing was resolved.
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| 06/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Servicemember |
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Back ground info -- several months ago I signed for a loan with a friend because she had no credit, she was with REGIONS BANK and her banker told me I would have to add myself to her checking account so we could receive the loan for her. I did so and for several months she paid as agreed. In XX/XX/XXXX she closed her account without notifying me.
Current information -- I have dealt with the local bank on XXXX XXXX in XXXX Florida the last several months.
1 ) On XXXX XX/XX/XXXX while visiting the bank I spoke to one of the officers and he suggested that I deposit the sum of {$50.00} into a new bank account with them and that I could just transfer the payment from my current credit union each month to make the balance of the loan payments.
2 ) On XX/XX/XXXX I received a letter from the Social Security Administration informing me that " on or about XX/XX/XXXX we changed your direct deposit information. We will send your Social Security payments to the new financial institution or account you selected ''.
Immediately I contacted the local Social Security office and informed them that I had made NO SUCH request or changes. I was informed the bank did it for me.
3 ) I then proceed to the Regions Bank in XXXX FL and demanded them to explain what was done. I was informed by the bank manager that the only way that the change could have occurred was if I had done it myself or the Social Security office was called while I was at the bank and I told them to do it. I DID NOT EVER CALL, CONTACT, OR REQUEST THE CHANGE BE MADE. The bank manager stated there was NO OTHER WAY it could be done that it was not in the scope of the bank. But clearly IT HAS BEEN DONE BY THEM, and someone is not owning up to this theft of my information.
4 ) On Thursday XXXX XXXX the bank manager called Social Security on my behalf while I was in the office after some great deal of time she and the person on the other side of the phone were able to determine that I HAD NOT MADE ANY CALLS and that the transfer was done by computer. The bank manager was given a number to call XXXX for the XXXX XXXX XXXX XXXX office. they were to have returned her call in XXXX hours that time ran on Friday XX/XX/XXXX and it is now Monday XXXX XXXX at XXXX XXXX with no response from the bank.
5 ) This is causing a great hardship on me because I live on a limited income and ALL of my bills are auto deducted from my bank account at my credit union.
6 ) I have also checked with my credit union and they report that they did not move the Social Security account either.
7 ) Finally I was informed that the Regions Bank account was free and that they would supply me with a debit card in case I I decided to use the account for anything else in the future or if I decided I wanted them to become my primary bank, Of which I informed them I had no intention of doing so that the account was only to be a convenience so as to make the payments. I ELECTRONICALLY signed for the account. At NO TIME was I shown the screen the bank officer was typing on or what i was signing for. In fact it was NOT until I received the notice from Social Security that I read the paperwork that was handed to me on the way OUT OF THE BANK that showed there is an {$8.00} per month charge just to have the account.
I feel this is a breach of security and identity theft by the REGIONS BANK and they do not want to take responsibility for it as proved by the branch manager stating they had no control of the information that was transfer to Social Security and trying to tell me it is MY FAULT
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This is the second issue I have had with Regions Bank. With the first issue, they were dishonest, and I stand by that because several of us consumers will ask merchants what the credit requirement is prior to applying for credit to avoid a hard inquiry. I asked Regions what they required, and I felt I was lied to or deceived as I met the requirements per what they told me which was indeed the reason I applied. It wasn't entirely about being denied but more so of telling me one thing and when I received the denial letter, I could clearly see that other criteria were used in making their decision.
And now this time around, they have reported me to the credit bureaus as being 30 days late for a line of credit that I didn't apply for. Regions sent me an email that spoke about {$250.00} of overdraft protection. I did NOT apply for a line of credit with them and who would think overdraft protection would have anything to do with a line of credit. I tried explaining this to them. I had no idea that it was a line of credit that I would have to pay a monthly note on as they NEVER approve me for anything, and the email didn't mention anything about a line of credit. Additionally, judging by the credit scores they really use which is XXXX XXXX, I wouldn't expect to be approved for anything which is why I don't apply for anything with them anymore and I'm now considering switching banks. They are either using XXXX XXXX for all and just telling people they use XXXX. Or they only using XXXX XXXX for some people and XXXX for others which I don't feel is right. It should be the same for everyone. I spoke to a rep at Regions who contacted me about the balance. I explained to him that I was not aware it was some like a credit card or line of credit. However, I brought the account current that same day after he explained to me what it really was. Regions waited nearly 2 weeks later and reported me to the credit bureaus as being 30 days past due before the next payment was even due. I contacted them directly and spoke to a rep about reporting me after I got an alert from XXXX. Why wait two weeks later to report me. And the reason he gave was that they have no control over what's reported to the credit bureaus and that if you are 30 days past due, the bureaus automatically receive that data all on their own. I have never heard such a thing. I feel that yet another rep was being dishonest like that entire bank seems to do ; lie! Since when do lenders/creditors do not report to credit bureaus. However, the rep did submit a dispute to the credit bureaus. Although, he had no idea what to put on the dispute and was asking me for a reason when he knew very well the entire reason for my call. Therefore, I have no idea what he submitted. I do however know that that XXXX has alerted me of the dispute. It has been completed and the results are still the same. My credit score dropped 28 points for an account I didn't apply for and had no idea was a line of credit that I owed a balance on. I thought just like with any overdraft I owed including the {$250.00}, they would take funds automatically out of my account when my funds post to it. I explained this and they still reported me. I don't feel that its right. I feel they should have made an exception considering I didn't apply for anything. No social or anything was provided to obtain this supposedly line of credit. And if they don't agree to have the mark removed, I'll be penalized until 2030 for an account I didn't apply for and had no idea what it actually was.
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| 11/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I was behind on my mortgage payment by 3 payments. I sent Regions Mortgage a payment on the XXXX XXXX, XXXX to satisfy the payment for XXXX, XXXX payment. Regions sent this payment back to me and filed for foreclosure on my house on the XXXX of XXXX, XXXX. I have asked them and the lawyer why they would send the payment back to me if their filing for foreclosure was perfectly legal. Regions told me they could file foreclosure at any time once the payment was delinquent and that I missed XXXX, XXXX, XXXX, XXXX, & XXXX payments. I believe the state law is that the loan has to be 120 days delinquent to file foreclosure. At the time they filed, if they would have kept my XXXX payment it would have been 91 days delinquent. Since then they have demanded that I pay the amount in full to bring the mortgage current. This includes {$3000.00} in added loan fees plus {$3000.00} more in lawyer and court costs, or I can fill out a loan modification. I believe the PMI was supposed to come off the loan it and it is a low interest rate loan at that. The property is valued at {$200000.00} and I owe a little over {$110000.00} on it. I sent Regions a check for {$1200.00} on XXXX XXXX, XXXX & XXXX XXXX, XXXX, {$2000.00} on XXXX XXXX, XXXX, {$2500.00} on XXXX XXXX, XXXX and {$9000.00} on XX/XX/XXXX and all have been returned to me. I'm not sure what they are telling the court here if anything. I had to borrow money from my father to get {$9000.00} to send them. Also, in XXXX Regions did offer me a loan modification of paying {$770.00} for XXXX, XXXX and XXXX. I paid them {$1300.00} in XXXX and {$1200.00} in XXXX. I paid them more than what they were asking for in that timeframe. I set my XXXX payment up a week early to go and I believe that is when they decided to file for foreclosure on the property. In the last year this is the first time that I have ever been late on mortgage payments. I have had the loan since XXXX and it's a 20-year mortgage. I have let Regions know all along what was happening, so they were aware and I was trying to get back to where I could get caught up on the payments and make them and I was in the position in XXXX to do this. I would like someone to review the loan and how they have kept the payment higher than necessary this past year. I have had the loan since XXXX and it's a 20 year mortgage. I have let Regions know all along what was happening so they were aware and I was trying to get back to where I could get caught up on the payments and make them. I have internal correspondence between me and the Regions Mortgage representative also. If you need to view these messages let me know and I will try to download or paste them into a document for you. I did have trouble with my vehicles and couldn't make it out the courthouse within the 30days after they filed foreclosure, but I did rent a vehicle to drive over there and filed a motion to stop the sale of the home but I haven't heard back from the court on the date for my hearing. I believe the court wants me to file bankruptcy since I do have money invested in the home and have outstanding debt that I need to get caught up on but if the PMI were to come off the loan I could start paying these other entities again or if they put it back to where it needs to be I could get caught up too. No matter what I it seems like they keep causing me other issues so I have to fix it their way. I know its not all the bank but I feel like they are helping cause these issues.
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| 12/13/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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We have had a long term relationship with Regions Bank, from business to personal.
The problem iniitially stemmed from Regions Bank Giving a draw for {$180000.00} to a XXXX XXXX on a home we were having built on land which we owned since XXXXThe officeXXXX XXXX XXXX never checked the stage of the home and simply signed over {$180000.00} on this home to a builder who we were forced to pursue who of course had nothing when we got him to court years later. We can supply copies of the lawsuit which was handled by XXXX XXXX of XXXX, XXXX in XXXX XXXX Carolina.The initial documents apparently supplied by Regions prevented us from bringing an action through a jury and well protected the bank. Since this home was left as unfinished I was forced to hire and consult other builders to finish the home. In addition to an improper roofline and wrongful electrical being done it was determined that we were upside down over {$80.00} for the bank wrongfully turning over our construction money without checking this was to be done. This being the case we were forced to reach for funds by pulling against credit lines and also secured a second mortgage against our primary residence in the form of a HELOC and from whatever credit resources we had at that time. Regions Bank than called us in XXXX and told us it would benefit us far more to have a " fixed rate '' that would apply monies to the principal. I also wish to add that the original mortgage was a credit line which was closed unilaterally by Regions bank so we feel this loan was given under false pretenses. Now out of the blue without our knowledge the bank REGIONS BANK has sent us a balloon demand for XXXX XXXX. We have been on the phone no less than 7 times without success. On the eighth try I received some assistance from a credit services representative who at least took the time to look up the notes under our name and offered to give us copies for us to have.These of course are barely legible and in such tiny print that a consumer can not really read this. I have kept detailed logs of these attempts and we have been disconected numerous times and spent over 10 hours on hold being disconected, switched around and being totallly frusrtated and put off. There are not enough categories to file this complaint against Regions from : 1 ) Giving a loan with no benefit ; 2 ) Misleading the public ; 3 ) Incompetence by giving our funds to a builder without checking what stage a home was to be built and 4 ) Even " alterring documents '' after giving an approval on a commercial loan to show the approval is only good for ten days after alterring their end of the documents. The reason for this complaint at this point is because a balloon is now being demanded on our residence prompted by imcompetence and being misled by this bank. I have asked the bank for copies of ALL documents signed with Regions and proof they gave us the opportunity to review these with an attorney of our choice. The documents do however give the bank every protection afforded such as '' not be tried by a jury or action taken against themselves '', so they well protected their interest and did not uphold our rights to be protected by a lawyer of our choice. Lastly after recent scrutiny and putting a magnifying glass it also appears there was a potential for a pre pay penalty if paid off early, not that this is a concern of ours. All of these terms were only legible after putting a large reading glass to the documents.
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| 06/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022 I received a collection notice for {$91.00} from XXXX XXXX XXXX on behalf of Regions Bank. I called Regions because I had visited the XXXX, Arkansas Regions Branch and closed this account on XX/XX/2022 in good standing. I had a balance of {$48.00} which they cashed out. I have received several communications from Regions since this day offering me loans and solicitations to become a return customer, but what I have not received was a letter stating that they paid a debit to a reoccurring yearly subscription on the closed account three days after I closed the account and received the {$48.00}. The first person I spoke to today informed me that Regions had paid a {$19.00} draft to XXXX XXXX from the closed account and charged me {$36.00} overdraft fee. He could not explain the second {$36.00} over draft fee that they charged to me. He contacted his supervisor via email about the situation. The supervisor via email informed him that Regions paid the draft because it was pending when I closed the account. I question why I was not told about a pending draft when I closed the account. If it were pending and they would have informed me of this I would have come back a week later and closed the account after the draft had cleared. When I continued with further questions he could not answer, he offered to connect me directly to his supervisor, I agreed that this was a good idea. What he actually did was transfer me back to the original answering system and I was connected to another operator that refused help me at all. She informed me this was a collections account and I would need to call the collection agency. I informed her that I was speaking to another operator that was supposed to connect me with the supervisor for more understanding. This young lady was extremely rude and told me the only person I would be speaking to was the collection agency. At this point, I was frustrated and agreed to be sent to the voice mail of the collections supervisor to leave a message. My first concern is if there was a pending charge why would the bank allow me to close the account in good standing? Then pay a draft on a closed account and charge me an overdraft fee. I had this account for over 20 years without issues. They closed my local hometown branch and I was forced to seek services closer than their nearest branch which is about 20 miles away. Amazingly enough I receive all their solicitations offering loans and other services and have even received phone calls from Regions representatives soliciting my business, but they can't reach out to me about a debt I supposedly owe on a closed account? The first operator said that he has a copy of the letter they sent to me stating that I owed them the money and overdraft, but I have never received such letter. Another concern is they can give me no explanation for the second {$36.00} charge. My biggest concern is that I have an excellent credit history with a XXXX score of XXXX and have never had an overdraft in my life. I feel like Regions Bank is holding my credit score hostage over {$91.00}. I am an Arkansas XXXX XXXX XXXX XXXX XXXX, I don't make much money, but I pay my bills and have a credit score to prove it. I feel like Regions is running a scam and are fraudulent in their business practices. As XXXX XXXX XXXX XXXX I also worry about those less informed that maybe falling victim to this scheme. I would appreciate any and all help that your office can offer.
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| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX featured and ad on XXXX touting that all XXXX of the XXXX XXXX XXXX wanted to sponsor this product. They claimed it was the first time such an event had occurred. They also showed a XXXX XXXX woman wit XXXX XXXX XXXX XXXX XXXX XXXX ; and over a 30 m inute span of time the XXXX completely disappeared. The billing company i s ( XXXX XXXX ). I believe they are out of XXXX XXXX , CA They offer was for a free trial all you had to do was pay shipping and handling for {$4.00}. There was no mention of reoccurring shipments or payments. The first time my account was billed I did not notice it because of another glaring issue on my bank statement, but the XX/XX/XXXX bil l caught my attention, as did the package that arrived via USPS that had not been ordered. On the XXXX ad there was no place to look at policy or any other small print trickery. You simply clicked, put your information in and in a few days the product arrived in a non-descript box with no product information or any information ; just the product. This time when the product arrived I called and stipulated that I had not re-ordered the product and was billed for something I did not order. On XX/XX/XXXX I called, XXXX , the rude representative told me that I should have read the fine print. There was no fine print to read. I did not order from a website I ordered off of the XXXX presentation which did not include the fine print information. I was robbed by this company ; deceptively robbed. The information used to continue to bill my card was not on the XXXX ad. I specifically looked to see if anything said they would continue to bill you. No, it did not as a matter-of-fact it said no further obligation required. Calling the company 's number does not help any rep you get is well trained on their verbiage. By giving us your credit card information it became a legal and binding agreement, said XXXX . I cancelled the shipment. Got a confirmation # dated the call and the time. Follow-up calls would not get me a supervisor just two o ther tough talking reps. On XX/XX/XXXX - XX/XX/XXXX , XXXX would not divulge her call center ; she said it was privacy protected for security reasons. I told her any legitimate company is happy to tell a customer who and where they are in case additional follow-up is needed. Additionally, she said all supervisors were at lunch. I called again on XX/XX/XXXX for a supervisor and was denied again by XXXX . I told her that XXXX said I would be receiving a confirmation email which I had not received. She said the computer automatically generated the email when the cancellation occurred. I told her I did not get it. She started to become rude. However, I maintained my cool head and asked what procedure they had in place when the computer did not do what it is supposed to do. Do you report it to IT? She said hold on a minute. She came back and said I would get an email cancellation as well. I asked if she could give me a general idea of tiime of expectancy. She said I would have it i n 24 hou rs. We will see. Besides, she said, you have the confirmation number. I responded yes, but I want the promised email too. This company should be driven out of business because of its predatory practices. I was billed on XXXX XXXX , 2017 an d again on XXXX , 2017 for {$89.00} each time, before I caught it.
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| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
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| 04/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/22, I stopped by the XXXX XXXX XXXX to open a claim for seven unauthorized charges that were on my account. I spoke to XXXX XXXX, a Financial Relationship Consultant. While I was explaining the situation to XXXX XXXX. I noticed that she was not paying attention to what I was saying because I immediately noticed that she was not making eye contact with me which I consider to be rude on her behalf. Indeed, she did ignore me because she kept asking me questions about the merchant when I spent a good ten minutes talking about the merchant. She was acting as I was making things up, she took a long time to create those claims. At the end, she kept asking me questions about how the unauthorized occurred. I'm not sure if XXXX XXXX needs more training at work or if she likes to work with customers.
A few days later, I found out that the person that she was typing to that day of the claim was XXXX XXXX, the Branch Manager. Two days later, XXXX XXXX called me to inform me that he was going to close my account. Without hearing my side of the story he decided to close my account. Apparently the Consultant felt verbally aggravated by the way I was making my argument about the unauthorized charges. XXXX XXXX never asked me what was the reason that I was upset and how he can assist me in resolving my claims, instead he decided to close my account. Since XXXX XXXX closed my personal account, I'm not sure if I'm going to get my {$76.00} back because he closed the account. The {$11.00} unauthorized charge was for the XXXX application. I have a different card on XXXX 's files application which is XXXX XXXX and I never change it to the region 's bank card. Also, those unauthorized charges caused my account to go to a negative status and be charged {$36.00} dollars for overdraft fees. I strongly believe that XXXX XXXX and XXXX XXXX failed to handle my unauthorized charges issue in a professional manner. It's been XXXX weeks since I made a claim and I still have not received any notification about the determination taken on my claims. My remaining balance was {$140.00} prior to making the seven claims. There were {$76.00} unauthorized charges plus {$36.00} of overdraft fee which I kindly ask XXXX XXXX to refund to my bank account that was positive and failed to protect the customer account the way that it should be. This situation has been very inconvenient because I have not been able to make my monthly payments. I would like to know if I can re-open a checking account. I would like to know if I can be compensated for all the inconveniences and the bad treatment from XXXX XXXX and XXXX XXXX.
On XX/XX/22 I spoke with XXXX, a Supervisor at the General Corporate Department in XXXX, Florida and opened an investigation against the Branch Manager XXXX XXXX and the Consultant XXXX XXXX. The complaint number is XXXX.
Claim ID Total Amount of Claim Claim Type XXXX {$32.00} Merchant XXXX {$11.00} Merchant XXXX {$1.00} Merchant XXXX {$5.00} Merchant XXXX {$25.00} Merchant On XXXX XXXX I received a letter in the mail which states that they are not going to refund my {$76.00} instead I just received a Cashier Check for the remaining balance which was {$140.00} plus the {$36.00} overdraft fee a total of {$180.00}. I strongly believe that XXXX XXXX the branch manager of the XXXX XXXX location closed my account with the intention of not refunding my {$76.00} that is part of the unauthorized charges.
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| 07/06/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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I have a checking account with Regions Bank. I have an XXXX XXXX XXXX. I authorized XXXX XXXX to make automatic withdrawals from my checking to pay the amount due on my XXXX XXXX XXXX. At the end of XXXX, I ran short on funds and called XXXX XXXX to stop the automatic withdrawal. They said that it was too late, that I had to notify them more than 2 days before the date scheduled for the withdrawal. They said that I would have to call the bank and tell them to deny the payment. This was on a Friday afternoon. I called the bank and was told that they would honor it because I had an {$800.00} overdraft allowance. I asked them to remove that allowance which they did and to deny payment of the funds. However, on that Friday night they processed the request from XXXX XXXX and withdrew the money from my account even though I had no overdraft protection. The charge showed on my account as pending but the funds had been removed from the account leaving me with a negative balance and no access to funds. Upon seeing this on Monday morning, I called the bank and was told that they would not actually process this payment until Tues. night at which time the money would be returned to my account. They also said I would have to pay a {$36.00} charge for insufficient funds. So the bank had the use of my money for Sat., Sun., Mon. and Tues. and I paid {$36.00} for them to use my money and I had no money with which to buy food and gas. I got through that. However, now it is a week later and XXXX XXXX has run the charge through again and I am denied the use of my money while again the bank has the use of it for investing in the overnight market and once again I will pay {$36.00} for them to have the privilege of making money off of my money. How can the bank do this when I stopped the overdraft coverage? Also, if I were trying to spend money that was n't in my account, the bank would deny the charge immediately. Why, then, should n't they deny the XXXX XXXX charge immediately, especially the second time when I had notified them a week before not to honor that charge. In reality, the bank knew after midnight on Thursday that they had received the draft from XXXX XXXX. On Friday it showed as pending but not deducted from my account. Then Friday at midnight they deducted it with no intention of paying it to XXXX XXXX until Tues. at midnight. XXXX XXXX should be as mad as I am because, if I had had the money, then it would have been XXXX XXXX ' money that the bank was using for 4 days. In this age of computers and international markets, there is no excuse for this. But for me it was a much more serious threat. I am retired and on a fixed income and while the bank is using my money, I can not even buy food. Since I am single and like to eat fresh food, I do not buy large quantities of food at a time because it will go bad before I eat it. So for Sat., Sun., Mon. and Tues., I had very little food. Now I am in the same situation this week. I do keep some canned foods and snacks in case of a hurricane so that is what I did and will eat but for some there may be no food. I would like something done to stop the bank from denying me access to funds they have no intention of paying out ever, and, for that matter to stop denying me the use of funds that they are not going to pay for 4 days. As an aside, in the world we live in today, weekends should count as business days because world markets are open.
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| 08/01/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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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.
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| 12/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In early XX/XX/2018 my wallet was stolen. I had just gotten off work and went to my room at the motel i work at.
While i was asleep i was unaware that my wallet had been stolen. I woke up and checked my bank accounts after i couldn't find my wallet. I found out that my card had been used 3 times.
XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX So i cancelled my card online. I called the XXXX XXXX to let them know that my card was used fraudulently at there store. I told the employees i was comming into get this all straightened out. I video recorded the incident and all the store clerks could do was laugh at me.
I let them know that legally by law they are obligated to verify the name on the card to state issued identification. Which the employees replied that they dont do that. And XXXX XXXX lied and said that wasnt there store that the charges had occurred at. So i made a police report on friday or Saturday evening just before monday the XX/XX/XXXX. I showed them the transactions that happened with the use of my card. And my friend XXXX and i went to a local XXXX to load one of his prepaid debit cards so we could go back to the XXXX XXXX and check and see if the store numbers that was attached with the transaction matched, which his transaction matched my transactions. So i informed XXXX XXXX that they had in fact lied and that the two individuals who were working second shift when i first went into the XXXX XXXX the same day the charges occurred and that i had video recorded and let them know they broke the law and that they lied too me.
I had tired getting a hold of regions bank located in XXXX, tn by calling the XXXX XXXX number once i was finally able to get ahold of someone in the fraud unit i was told i had to wait until monday morning to report fraud. I gave regions the police report number and told the police when i made the police report to pull the video footage of the person using my card. In fact the XXXX police department didn't do their job and regions lied to the police department by saying my transactions were pin verified. I asked them to reopen the fraud investigation and regions refused. I have done much more then all the above things i have mentioned, but that is only to be revealed if i have to persue a lawsuite against both the XXXX XXXX and regions.
Last night i went through all my back records and found out that regions had in fact lied to me, and the police department. Both charges were not pin verified but in fact my debit card was used as a credit card in which you have to sign for. Because regions has let enough time lapse and refused to perform their legal obligated duties. I want it to be known to the public that regions is a corrupt financial institution, and that their fdic insurance should be pulled so regions may not practice financially within the public. Lastnight was Sunday XX/XX/XXXX. Which i have an email that i sent to regions fraud department asking them directly for the investigation findings, and i will be paying for the police report i filed with XXXX police department so i can have their finding as well.
That is to prove regions has completely lied and let a merchant who knowingly broke the law to get away with commiting a crime and covering up fraud.
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| 03/19/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I responded to a marketing campaign I received in the mail from Regions Bank. The promotion was as follows ( att : ached ) 1. Register at Regions.com/offer400 using your personal code.
2. Open a new personal LifeGreen checking account by XX/XX/XXXX.
3. Enroll in Online Statements and use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening.
Your bonus will be deposited to your new checking account within 120 days of completing these requirements.
I believe I met the requirements for this promotion.
1 ) Opened account XX/XX/XXXX, signed up for online banking, and funded account XX/XX/XXXX.
2 ) Made 13 CheckCard transactions by XX/XX/XXXX. ( statement attached ) I first contacted Regions ( via website ) on XX/XX/XXXX about timing of {$400.00} payment.
Regions called me on XX/XX/XXXX to discuss. I was told that I did not qualify because I had not signed up for online statements. I said I believed I did because I signed up for online banking and could view my statements online. I was told it had to be online statements and I was receiving paper statements During the call, I was able to find where to sign up for the online statement.
I told them I still disagreed that there was a difference between online banking and online statement.
On XX/XX/XXXX I received an email ( attached ) that Regions had identified new information needed to complete my request and to call Regions back. On the same day, I called Regions back and they told me that the ONLY reason I had not received the {$400.00} was because my account was considered dormant, and the account had to be active for the bank to post the premium. I found it surprising that the account was considered dormant in that short of time period. My last transaction was XX/XX/XXXX. Regions ' promotion stated " Your {$400.00} bonus will be deposited directly to your new checking account with 120 days of completing the requirements ''.
First of all I believe I met the requirements as of XX/XX/XXXX, which was my last transaction. According to Regions then, without any other transactions made on the account, it would be considered dormant before even the 120 day timeframe occurred! I was told if I reactivated the account by making a transaction, I would then qualify. Therefore, that night I used my check card, thinking again, this was the last hurdle. However, I received a phone call from Regions XX/XX/XXXX and I was told again that I did not qualify even with the recent transaction. Per the customer service representative, the transaction of XX/XX/XXXX did reactivate the active status. That reactivation sent my account to marketing ( for approval ) and marketing denied it saying I did sign up for online banking within 30 days of account opening so I did not qualify. When I asked to speak to
Marketing, I was told Marketing did not take calls. I think step ( 3 ) of the promotion ( noted at beginning ) is not clear that enrolling in Online Statements had to
be completed within 30 days. It can be read that you have to " use your CheckCard to
make 10 or more purchases that post to your account within 30 days of account opening '' but the Online banking requirement just has to be completed. I feel like Regions kept changing the requirements needed to qualify for the premium. I have attached all relevant documentation that I have
.
Thank you
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| 10/04/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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XX/XX/XXXX was the last time i used my check card, then it was misplaced.On XX/XX/XXXX a check was deposited into my account for XXXX which was put into the atm as a deposit. That monday, XX/XX/XXXX the check was sent through the bank and between the 12-14 i received notification by mail telling me that i was in the negative by {$1800.00}. I went to the bank to investigate what was going on and they told me what happened. I told a manager them that i did not deposit a check into my account and that i do n't know who did nor did i have anything to do with that deposit or know where my debit card was. The female manager said that i was at fault and that i was responsible. She did not even investigated. They did not do a claim or anything. XXXX XXXX checked my handwriting and he confirmed that my signature was not on that check and the wwriting didnt match, but another manager said i was still responsible for this. i recieved a copy of the check and at the top was the name, phone number an address of the woman who supposedly wrote the check. I called the woman and she informed me that her checkbook was stolen from a breakin and that there is someone writing check in her name all over, so the bank closed her account and she also filed a police report. The next day i went up there to close my account because they were saying i was at fault still. They still did not file an investigation complaint or anything. I asked them if they had cameras and the teller told me yes. i said can they roll the cameras back to show me who is doing this to me. The guy said yes, but then later said i had to get a police report. I asked if i do this would i get my money back, he said more than likely. i came back to the bank with my police report and the lady said thank you. I then inquired about the money they took from my account ( which was my rent money and bill money i get every month and had records to show my auto deposits ) to replace the fraudulent check that i had no idea about. The manager said i was still at fault. She then started accusing me of the fraudulent check insinuating that i gave someone my pin number. My card was missing, and i have no idea who had it or how they got my pin or if they even used my pin. I know there are scams out here. After she kept accusing me of being involved and refusing to start an investigation after the check showed different handwriting and the cameras were not me, I contacted the XXXX number for Regions bank and told them what happened. The representative named XXXX could n't not believe there was no investigation and how i was treated. She then submitted a complaint for the fraud done to my account and a complaint on how i was treated. There after i contacted you all and was told to submit a complaint with the evidence i was given and my police report information. That bank took {$1800.00} Dollars from my account for a system they set up that is a failure, and are faulting me for it when i have all the proof that this has nothing to do with me. I even told them i do an overdraft every month on the same day. I asked them why would they allow someone to overdraft my account when i didnt even have that amount in there. The response was " sometime the system will do that. '' This is not adequate, satisfactory, legitimate, or legal. I need a resolution. this is completely unfair. I am now 3-days late on my rent. Please Help
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| 10/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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Sent an International wire on the 5th from Regions Bank Branch on XXXX XXXX in XXXX XXXX LA, Banker- XXXX XXXX XXXX Manager- XXXX XXXX XXXX XXXX XXXX Its the 26th and the beneficiary bank in XXXX has not received the wire.
We were told that It was supposed to take three days to get there XXXX XXXX ordered on the XXXX.
We were told by Customer Service that notwithstanding our providing the XXXX number at the origination of the wire it was not included on the wire form. Bank Branch said it was not necessary. As a result the wire just sat at Regions intermediary bank in XXXX for days with no one taking any action.
We were not informed of anything unless we made strong efforts at contacting the bank to demand an explanation We were told over and over again " we sent it and it was received '' Which turned out to be completely false. They would never provide us with any written proof that it had been sent and received only the wire order authorization form was provided.
Bank staff was rude, incompetent and uncaring throughout this ordeal about this botched wire. Never admitting guilt or apologizing for the situation they put us in.
This wire was to pay our rent in XXXX and we were faced with eviction because this incompetent bank could nor or would not tell us where our money was and what happened to it. Conflicting stories from the branch and customer service and the wire room refused to even talk directly with us. Instead the customer service representative would talk to us and then put us on hold to talk to them and then back to us. Ridiculous.
Five written requests to talk to a supervisor were ignored. We are still yet to talk to a supervisor. My banker XXXX XXXX has never returned a phone call or email sent to him regarding this matter. His manager contacted us only once by email with information totally contradicted by Customer Service namely that the wire had been returned when customer service said it was sent with the missing XXXX number now added.
XXXX days to get a wire to XXXX XXXX Inexcusable under any circumstance. And its still not there.
I have written a letter to the president of the bank XXXX XXXX XXXX without any response I have filed complaints with the FDIC, XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX, and now the CFPB This bank could care less if our issue is resolved and we are closing all our accounts there and would advise anyone considering using this " Bank '' for business to seek another bank that cares for its customers and actually can complete an international wire.
This bank does not train its personnel properly to know to include an XXXX number on an international wire form. This bank does not allow a customer to speak directly with the wire room, This Bank does not return phone calls or emails. This banks branch personnel are rude and uncaring and generally don't know what they are doing. This bank deposits money into the wrong account. This banks fraud department stops card transactions despite being called in advance to clear the transaction. This bank keeps you waiting in the lobby for long periods of time before helping you and then they dont help at all..
Save yourself the trouble bank elsewhere.
This banks inability to complete a simple wire transfer ahs cost us time and money and has hurt our reputation.
Our next call will be to our attorney to see if we can get a recovery
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| 06/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, around the hours of XXXX XXXX cst. I made a deposit of {$1200.00} into the atm machine at the Regions Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX. I used the ATM located closest to the Post Office. Upon making my deposit, the ATM machine miscounted my funds. Instead of calculating {$1200.00}, it calculated somewhere around {$1300.00} dollars. It gave me the option to submit or cancel the transaction. I attempted to cancel the transaction to recount my funds. Upon doing that the ATM malfunctioned and did not give me the option to retrieve my funds. Nor did it give me any kind of receipt. It did return my debit card. Since it was so late in the evening and the bank lobby was either closed or getting ready to close I called Regions customer support ( XXXX ) at approximately XXXX and opened a case and was told that they would investigate it. Regions did credit the money back into my account a few days later. I thought that the investigation was finished. On Thursday, XX/XX/XXXX, I received an email stating that they have finished their investigation and decided that they would debit the {$1200.00} out of my account on or before XX/XX/XXXX. The email also stated that Regions would send me a letter in the mail with more details of their findings. On XX/XX/XXXX, I received the letter from regions, but the only thing that it is telling me is that they could not find my funds. On XX/XX/XXXX, I decided to go to the Regions branch located at XXXX XXXX XXXX to see if they could give me more info on their findings and also inform them on the letter and email that I had received. I explained to ( XXXX XXXX ) on the entire situation and she said that she would email ATM services to ensure that they did a thorough investigation. She also said that she would reopen my case in hopes that they wont debit my account for the {$1200.00} on XX/XX/XXXX. I didnt receive a claim number during this meeting. On XX/XX/XXXX, at around XXXX. I did decide to call Regions customer service ( XXXX ) to see if they had any updates. The rep told me that he is not showing that my case has been reopened and that I need to go back to my branch asap. He also told me to ensure that I do receive some type of confirmation or case number. On XX/XX/XXXX, I went back to Regions main branch and talked to XXXX XXXX again and she said that she had reached out to someone at card services and is waiting to hear back from them. She did tell me that someone did email her back and showed her that the ATM balanced out. She also told me that she should know something on my case by Friday XX/XX/XXXX. Later that evening, I went to talk to ( XXXX XXXX ) at the other XXXX location and he pulled up my info on the computer. He said that it does show that the ATM did malfunction. He also told me to check back with him on XX/XX/XXXX. I checked back with XXXX on XX/XX/XXXX and he said that he hasnt heard anything. Once leaving to talk to him, I went to the main branch and talked to ( XXXX XXXX ), which is the branch manager at that location. I explained everything to her and she filed a complaint on my behalf. She also told me to check back with her on XX/XX/XXXX. I checked back with her and she told me that the ATM was not over or under for that time period. I did find a couple of numbers for corporate and left a couple of messages, but no one has returned my calls as of yet.
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| 03/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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This incident started out in XXXX 2016. My wife and I have been Regions customers for over 15 happy years. Recently this all changed with them. We, at the time, held XXXX accounts with Regions bank. XXXX personal checking account, XXXX savings accounts, and XXXX credit account. The credit account was there as an emergency account, never used. Here recently, I noticed when I signed into my personal account online the credit account looked different. One day I signed into the account and noticed that there was a {$25.00} balance on the account. Unaware of the reason for this balance, as we do not use the account, I contacted the main Regions customer service department. I was advised that the balance on the account was a {$25.00} annual fee that is assessed to the credit account. I was never aware of this fee as I had never had a fee in the past but never the less was eager to pay the fee as it is something that I apparently owed to the bank. I inquired as to why the amount was not pulled from my personal account as over {$100000.00} a year is process thru this account. The customer service department advised me that I had to actually go in and make the transfer to the account from my other accounts. The {$25.00} fee was paid as soon as I was aware of the charge and I assumed everything was all good. A few weeks ago I was advised by XXXX that I had a negative impact reported to my credit file. Upon further investigation it was discovered that Regions bank was reporting this account on all XXXX of my credit bureau files as a negative account. I made contact with Regions bank again as I was never made aware of the fee in the first place. I never received a letter advising that the fee was charged, I never received a phone call from their collections department, nothing. I spoke with XXXX XXXX, whom is a manager within their accounts department, and was advised that there was nothing they could do about it and I just had to deal with it. Unhappy with her professionalism, I took to their social media site where I was contacted by XXXX XXXX. XXXX would not reply to my online contact but rather called me to tell me that there was nothing they could do to correct this and again I had to deal with it. Again unhappy with this reply I made contact with the office of the CEO where I was given an email address to send the CEO an email. I sent the email explaining everything that has taken place and I received a letter today from XXXX XXXX ( Customer Satisfaction Specialist ) basically telling me the same thing. He states " since the payment was made more than 30 days past the due date, a notification was sent to the credit bureau. '' After receiving this letter, I made phone contact with XXXX XXXX whom confirmed that their collection department never tried to contact me and they made no effort, other than a statement that I never received, was sent to me. They made no effort to contact me about this and went straight to the credit bureau as shown in the letter. I need some guidance to rectify this situation. I have since closed my credit account as well as both saving accounts. I am currently working to close my personal account with them. As a customer of 15+ years, I feel they have taken advantage of me and my family. They all have advised me that the credit reporting will stay and they refuse to make corrections to my file.
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| 06/01/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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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?????
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| 06/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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From XXXX XXXX XXXX I have maintained an average balance in my Regions checking account of $ XXXX {$7000.00}. In XXXX and XXXX of 2022 I was the victim of multiple home burglaries ( in addition to identity and auto theft. ) Beginning in XX/XX/2022 following the first robbery, I noticed a series of suspicious transactions and ATM withdrawals on my account. I immediately went to the bank to report the fraud, but the bank told me nothing could be done because I did not have my ID and my ID had been stolen during the robbery. I went to the police station directly thereafter and they said they had to come to my residence to " dust for prints. '' I had locked my debit card during this time on online banking. The identity of the person who committed the robbery was shortly uncovered without police involvement ; he was a prior acquaintance of someone I knew. This said person was able to find the individual and recover my ID. However, this was on a Friday and the bank was closed. The banker at the Regions location I had gone to gave me the number of the fraud department, but when I tried to call they said they could only be reached during normal banking hours. Because I had locked my debit card I thought my money was secure. But when I logged in again later that weekend just to be sure, I discovered my card had been somehow unlocked and a significant amount of funds had gone missing. I changed the login details to my account and locked my card again, but the bank was closed and there was no one at Regions available to call. I needed access to my money, so I had to occasionally log in and unlock the card, but it seemed as though the fraud continued. I went to the bank as soon as possible to get a new card with my ID recovered, but even after that measure was taken my account was eventually drained of over {$5000.00} ( all the money to my name. ) I had made fraud reports with the initial card linked to the account and more fraud reports after getting the new card. I believe the card was cloned and the person who cloned it either cloned the second one after one of the following robberies, and/or had access to my online credentials. The fraudulent charges stayed the same with both cards. They included repeated ATM withdrawals usually $ XXXX ( sometimes multiple in a row ). Most of the other charges were to a specific bar/pool hall I have never been to, XXXX XXXX, XXXX XXXX XXXX XXXX, and multiple convenience stores and gas stations. Multiple police reports have been filed for the crimes committed against me by this individual, including the fraud and money theft. As of XX/XX/2022, Regions Bank has failed to restore any money from these fraudulent charges back into my account. I am missing over {$5000.00} that was stolen from me and Regions has done nothing to resolve the situation. I received a letter from Regions in XXXX stating that they can not recognize the charges as fraud because I filed a claim " too long after the charges were made. '' This is absolutely not true because I went to the bank immediately the next day and had to watch {$2000.00} get drained over a weekend where the bank was closed and no one was available to call. Regions Bank owes me thousands of dollars. The transactions can be proved as fraud because the individual should be visible on camera at most of the locations where the fraud took place.
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| 10/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Regions Bank has been charging me excessive fees and returning items that other banks would pay into overdraft, the type of items that they did not return before, after I opted out of overdraft coverage based on advice from a customer service agent when I said I wanted to avoid fees in the future. Their customer service agents refused to admit bank errors when I was charged overdraft/NSF fees on a positive balance randomly during the day ( not overnight ), I had made a deposit to cover the transactions via instant transfer from the XXXX XXXX app by the stated deadline of XXXX central the day before. The mobile app showed the balance correctly at XXXX central, and I woke up the next day and it was still the same, then at some point I log in and my balance is {$36.00} less than expected after the fee. After I made the deposit, the deposited amount had been included in my available balance on both online banking and the mobile app. I should not have been charged the fees on these days. When I called customer service about this the agents basically just said no and didnt really listen to me, and implied that they thought I was making it up. The dates and times sometimes change for transactions, purchases disappear and then reappear later, and its very difficult to know exactly how much is in my account. The fees got worse after I called and complained. When I was opted in to overdraft coverage they were still returning some items and charging me a fee- I still had to pay the item another way but had a fee from Regions and a fee from the company, but it wasnt every single item. I was never able to make an everyday debit card or atm transaction that overdrew my account even when I really needed to get gas and was getting paid the next day, so I turned overdraft coverage off as the agent suggested because almost nothing was being covered anyway. The way it was explained to me was that opting out is just supposed to mean I do not want to allow debit card and atm transactions to overdraw my account, but I cant opt out of overdraft for checks, ach, and recurring card transactions. It should not affect how they treat my account in terms of paying or returning a check, echeck, or recurring payment, but it has seemed to have the effect of them returning more items and charging more fees. It seems almost every item is returned but they dont let me know until several days later, and these fees are being charged for items that were not paid. I have been charged {$210.00} in fees just since XX/XX/XXXX, half of that on 1 day ( It didnt show up until XX/XX/XXXX but the {$100.00} in fees are listed on the XXXX ). My balance is - {$200.00}. If you remove all of these fees just since the XXXX my account would not be negative, and many banks would have paid the returned items in my case. I might not have this big of a problem with the fees if the items themselves were not returned, causing me to be charged another fee by the other company for many of them. I was charged at least 2 {$36.00} fees when I had a positive balance after making a deposit by the deadline. I only didnt make a deposit because it appeared that the items were successful on the other companies end, and I wasnt seeing any returned items on my end so that I could prevent them being returned. The items had appeared to be completed when I last checked the app.
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| 01/09/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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FW : RE : [ Secure ] RE : Regions Bank - Complaint ID : XXXX XXXX & lt ; XXXXXXXX & gt ; To XXXX & lt ; XXXX & gt ;, customercenter & lt ; XXXX & gt ;, XXXX & lt ; XXXX & gt ; Hide Wednesday, XX/XX/XXXX XXXX Sent from XXXX for iPhone -- -- Begin Forwarded Message -- -- From : XXXX Date : XX/XX/XXXX, XXXX To : XXXX Subject : RE : [ Secure ] RE : Regions Bank - Complaint ID : XXXX Dear XXXX, If there is a problem where you do not understand the seriousness of this matter Sir. I was told by XXXX the young man whom I explained my formal Complaint to that Regions really took these complaints serious. And in your previous email you never stated Female or male. For clarification our Mother and your Member of your Bank Regions her Name is XXXX DOB XX/XX/XXXX just in case you are mixing her up with another member at your Regions Bank by the name of XXXX.
Before you and I keep going back and Forth about a third Person being added to A Joint Account back on XX/XX/XXXX a year ago this past week. If you want to discuss this Matter about the Illegal act that XXXX Committed against me. Otherwise escalate this matter above you please. Because you are not talking about the date this transaction took place on XXXX account where XXXX added XXXX a third person to an already existing account. Where I XXXX had been added since XXXX.
Please send this Email onto the next level above you Sir. Because in your email to me you are not trying to correct anything. You are trying to speak about when the POA was placed on her account. That is not why I placed a formal Complaint against XXXX. She needs not to do this ever again adding a person to a Joint Account without ALL PARTIES BEING PRESENT.
Thanks again for your time, XXXX Sent from XXXX for iPhone At XX/XX/XXXX, XXXX, XXXX wrote : XXXX : Just for clarification, it 's XXXX and not XXXX.
Thank you for getting back with me. As XXXX manager, I do Thank You for making me aware of the situation. I have reviewed your mother 's accounts and here is what I was able to determine : XXXX, XXXX and XXXX open a joint account at the Regions Office in XXXX, Georgia.
On XX/XX/XXXX XXXX and XXXX came to the Regions Bank in XXXX to bring a POA dated XX/XX/XXXX to maintenance account ending in XXXX.
On XX/XX/XXXX a joint account was opened for XX/XX/XXXX and XXXX at the XXXX Branch.
On XX/XX/XXXX, with Guardian Paperwork, the Account in XXXX and XXXX was closed.
In reviewing the accounts, the bank was not presented with guardianship papers until XX/XX/XXXX. Without guardianship papers, as long as XXXX was present at the bank and no one was removed from an account, the bank was obligated to honor the request of XXXX. Although a POA was filed for XXXX by XXXX, the POA does not prohibit XXXX from opening additional accounts in her name, either as a sole or joint owner.
Based on the Regions Privacy Policy, XXXX would not be made aware of any accounts opened unless she was a co-owner of the account.
Please be assured that XXXX did not discuss the account status or changes with anyone who was not an authorized owner on any account referenced in XXXX name.
If there is any further clarification needed, please do not hesitate to contact me at the number below. I hope this clears up the issues in your email.
Regards, XXXX Vice President Branch Manager - XXXX, GA XXXX XXXX - Office XXXX -
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| 10/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
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|
Web |
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My wife and I put down {$30000.00} and secured a loan through XXXX XXXX and purchased a home in XXXX, XXXX XX/XX/XXXX. My wife passed away the following year from XXXX XXXX, and I refinanced our home with Regions Bank, in XXXX, XXXX, putting an additional {$90000.00} ( my wife 's life insurance ) toward the principle. I made every payment, on time and in full from XX/XX/XXXX until XX/XX/XXXX, when I had some financial troubles and was not able to make payments for 6 months. My home went into foreclosure, and after a few months my account was re-instated after I paid all late fees and Regions ' legal fees. At that time, a {$28000.00} " write down '' was applied to my mortgage, but I have no memory of being informed of this action in writing and did not speak to a Regions representative, who would have explained how a write down works. I made all of my payments, on time and in full, right up to the time I decided to sell the house this summer ; I remarried XX/XX/XXXX and moved out of state, and had tenants in the house. My tenants made all payments on time and in full, too. Here is where my trouble begins : I live in XXXX, and travelled to XXXX XX/XX/XXXX to see about putting my house on the market. The balance on my mortgage, according to my Regions online account, was in the area of {$98000.00}. I wanted to be sure, so I went to the Regions bank and spoke to the branch manager, XXXX, who was a friend of mine from church. I explained that I was thinking about selling my house and needed to know the balance on my mortgage so I could make a decision as to whether or not to sell. XXXX looked up my account and provided me with the payout information, which matched my account, {$98000.00}. She printed off a copy so I could present it to my real estate agent, XXXX, who was recommended by XXXX ; I met with XXXX that very afternoon, armed with the information that XXXX had given me : that I owed {$98000.00} on my mortgage. I went ahead with the plan to sell the house based on this information. Now, a month or so ago, I got a contract on the house, with a closing date of XXXX. Two days prior I received the closing documents from the title company, and the payout was {$120000.00}, cutting into my bottom line by {$28000.00}!!! I contacted Regions HQ, in XXXX, and they informed me of the " write down ''. I asked why I had not been informed of this, and they said it was a common banking practice NOT TO INFORM the customer. I asked why the branch in Florida did not provide me with this crucial information, and they had no answer, other than I should take that up with them. So far, nobody at Regions has been helpful at all, and if anything they have been quite short with me about the problem, which they feel is all mine and not theirs in the least. I feel as if I was mislead, and given false information upon which I based a crucial financial decision. I sat in the office of the branch manager, a senior bank executive, who, personally gave me a number that was {$28000.00} lower than the actual figure. Now, I am in a contract where I am going to make {$28000.00} less than I had planned ; had I been provided with this information at the onset, I would never have decided to sell my house. I am most disturbed by this. I am a XXXX and do n't need to tell you that I do n't have much money, and this loss is catastrophic.
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| 05/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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Regions Bank has continually denied my claim regarding several fraudulent transactions made on my Regions debit card. I first notified Regions of the fraudulent charges on XX/XX/XXXX ( I reported a second set of fraudulent charges on XX/XX/XXXX, as some of the charges were still in 'pending ' status on XX/XX/XXXX, and will share the claim numbers if requested ). The total amount of the fraudulent charges are {$1600.00} made at two retail stores in XXXX, Michigan.
I have also filed a case with the XXXX, Michigan police department. This police report is still being actively investigated as of today, and the police report number should be attached to the records in my claim.
I do not understand why my claim would be repeatedly denied. This is clearly a case of theft and fraud. As a loyal Regions customer of 10 years, I am incredibly disappointed to be missing a significant amount of money for so many days. I have tried to resolve this case with Regions Bank for weeks now, but continue to receive conflicting information. My latest call was today ( XX/XX/XXXX ) at XXXX EST with XXXX who told me that because I didn't report the card missing or stolen before the fraudulent transactions were made, the bank didn't have liability for the transactions, which I don't believe is correct under federal law. She refused to offer me more information about Visa 's 'zero liability policy ' ( posted on the Regions website ) that I asked for. I do not believe I am receiving accurate information from Regions Bank about my rights and their legal responsibilities.
This agent that I spoke with today was also terribly rude, and I believe she was using intimidation tactics to try and get me to withdraw my claim. She accused me of changing my story about the theft because I didn't report that my card was missing right away. As I have stated from the very beginning, I last used the physical card on XX/XX/XXXX, but did not report it missing right away because I didn't realize my card was gone until I saw the fraudulent charges go through several days later. I believe it went missing or was stolen on the XXXX ( when I used the physical card last ), but I can only confirm the facts - I did not notice it was gone right away, but reported the theft as soon as I could ( as soon as I noticed there was something wrong with my account ). She also accused me of acting suspiciously because I did not file a police report right away! The fraudulent charges were processed over the weekend of the XXXX, and I initially called the XXXX police department on Monday ( XX/XX/XXXX ) to notify them that I would like to file a report- that is not a delay. Finally, she accused me of acting suspicious about the theft because I made other online purchases with this account between XX/XX/XXXX ( when I last used my physical debit card ) and XX/XX/XXXX ( when I first noticed the fraud ). Yes, I made online purchases that week. I had my debit card information stored on the online retailers ' websites and did not need to use a physical card to make the transactions. That is not an indication of anything suspicious! These are shameful tactics that Regions is trying to use to intimidate customers and refuse to make things right.
I sincerely hope that Regions investigates the conduct of their agents as well as their business practices.
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| 06/18/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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There are withdrawals from my checking account that I nor my husband authorized. Its at a gas station and the XXXX XXXX address is a gentleman club. Here are the withdrawals in question. All unauthorized w/d took place on or before X/XX/17. XXXX XXXX XXXX XXXX XXXX. XXXX TN - {$210.00} / ATM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX TN - {$210.00} / ATM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX TN - {$110.00} / ATM - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, TN - {$500.00} / ATM - XXXX XXXX # XXXX All are ATM withdrawals. The Local police that came to take our report informed us that there had been a criminal that used a false face on the gas pump 's credit card reader and on atm card reader to acquire banking information, namely credit/debit card numbers and pins. After filing the reports we faxed copies to our local regions bank manager but have not received our stolen funds back. We also contacted regions fraud department while the charges were still pending my account and were told that we would have to wait until they were completed withdrawing from my account before that fraud department could investigate or refund. Then we received a letter in the mail that the fraud department had declined our requests for reimbursement because our pin was used to w/d funds. We sent police reports but to no avail and have not been contacted by anyone from regions.I have a typed letter from regions manager with police report numbers and FTC letter and pdf of claim. Regions has been giving us the silent treatment. n XXXX of this year, my husband and I were victims of identity theft which, in my correspondence with the XXXX Police Department, was determined to be the result of a skimming case. There have been multiple reported cases of skimming in the XXXX area recently. Ours was not the first nor the last. The perpetuator ( s ) of this crime took from us what we consider a devastatingly large sum of money. So much so that we were unable to pay most of our bills that month, and we 've struggled to stay current on said bills since the incident. My husband had only recently been released from the hospital after an ER visit, a week 's stay in the hospital, and major XXXX when this occurred. He was still unable to work at this time, so we relied solely on my paycheck, from which this money was stolen. When this was reported to Regions the following day, I was told to " wait until the pending charges post to your account '' - charges that I did not make or authorize, that I reported as fraudulent prior to their being posted to my account, and charges which have now cost me far more in interest and late fees than the amount that was stolen. To say bills have been compounding is an understatement. I have been a loyal customer with Regions for close to a decade, so this is beyond disappointing. We reported the incident to Regions bank the second it was realized, cancelled cards, filed police reports with XXXX, and have sent multiple email correspondences, all of which have been fruitless. Our last avenue is social media, in the hopes that we will be heard, or, if nothing else, we will prevent this from happening to someone else who, like us, works hard for their money and assumes, that their hard earned money is protected by their bank.
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| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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BE ADVISED REGIONS BANK you have been sent the following Notices in relation to your attempts to collect alleged debts NOT owed to you ; Debt Validation Notice, Freedom Of Information Notice, Cease and Desist and Billing Error Notice. You are attempting to collect alleged debts from me ( a Federally protected consumer and not a customer ) without any authorization or authority to do so. You were previously sent a Notice of Opt out to prevent the sharing of my nonpublic personal information to Non-interested third parties and you have chosen to deliberately ignore this notarized notice and ignore demands made that you are required to follow pursuant to Federal Law and The Gramm-Leach Bliley act 15 USC 6802. You are exhibiting Unfair Debt Collection practices in your attempts to collect this alleged debt violating 15 USC 1692 and are not maintaining business practices consistent with the Truth In Lending Act 15 USC 1601 nor the Fair Credit Billing Act 15 USC 1666. You are Required by law to adhere to these regulations and maintain business practices consistent with these laws also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 USC 1831n. Your hostile actions lead to violation of the law and your oaths to maintain these practices in your business dealings. I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached Notices. As a consumer I have a right to privacy and you MUST respect that right, I have a right to demand how my personal, private and confidential nonpublic personal information is used and restrict its use as I see fit. ANY act going against my direction or consent in relation to ANY Nonpublic Personal information is a VIOLATION of my rights. You have chosen to remain willfully noncompliant with federal law and conducted unlawful practices in not only using and sharing my private, personal and confidential nonpublic personal information but also with regulated debt collection practices that you are REQUIRED to follow pursuant to Federal Law 15 USC 1692. As congress has stated You are a debt collector pursuant to 15 USC 1692a ( 6 ) and your adherence to this Federal Law is NOT optional. In my attached Notices I have demanded several original documents ( NOT COPIES ), if your claims hold any merit you will have no problem providing this documentation. This demand is NOT a request and is NOT optional you are REQUIRED pursuant to the Freedom of information Act 5 USC 552 to provide ALL the information that was demanded the EXACT way it was demanded. Copies can be deceptively furnished and will therefore be rejected and any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the original creditor and consumer involved in this alleged debt I am demanding you comply with the demands in these attached notices, I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable your your WILLFUL NONCOMPLIANCE with federal law.
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| 07/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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On XX/XX/2021 and XX/XX/2021, I was charged {$4000.00} and {$9300.00} respectively by XXXX XXXX XXXX, a hotel in the XXXX XXXX. Those charges are representative of my cost to host a wedding for ~40 guests on XX/XX/2021.
In addition to damaging my wedding dress before the wedding and forcing me to stay in a molded/mildewed room with rusty water, the hotel did not provide all of the services they were supposed to and many of the services they did provide were incorrect. I tried for several days after the wedding to resolve the issue with the hotel while I was onsite to no avail. The XXXX of the hotel, XXXX XXXX, advised me that my concerns were above his head and I would need to speak with XXXX XXXX of the corporate office. He offered to send XXXX an email on my behalf and I agreed. I also asked him to give me her email address so that I could follow up once I was back home.
On XX/XX/2021, I sent an email to XXXX detailing all of my issues and concerns and received a generic email back that offered me a free stay at any XXXX property. I declined the stay and again requested a portion of my money back. As of today, I am still awaiting a response back from the hotel.
On XX/XX/2021. I contacted my bank and told them about the damaged dress, wrong wedding colors, wrong food, wrong flowers and they advised me to open a dispute, which I did.
The dispute was initially denied stating I never submitted documentation. I immediately contacted the branch manager, XXXX XXXX who said she'd submitted all the documentation and would look into it. XXXX called back and said she would have XXXX resubmit the forms. After two ( 2 ) weeks, I called Reg
ions Customer Fraud and was told nothing had been submitted. I then asked for an email where I submitted documentation including photo s. After a few weeks, I was issued provisional credit for the charges. On today, I received a letter from Regions indicating the credit was being reversed because the merchant provided documentation showing that they provided the services. I told her the issue wasn't them not providing services, they did provide some services, but much of what they provided was wrong AND they damaged a custom gown that can not be repaired AND discard my parents ashes. The representative told me that there was nothing to be done as the dispute form submitted stated I " did not receive services '' and should have stated I was " dissatisfied with services I receive. '' I told her that is not my fault as the branch manager completed the form incorrectly. She told me there was nothing more that could be done. I asked her to escalate this to her manager and she said she would put in a callback for someone to call me in 48-72 hours.
After disconnecting with her, I called the branch where my claim was filed and the new manager told me I was interrupting her lunch break and that in her opinion this sounds like a civil matter. I told her that they filed the dispute wrong and now I'm being told nothing can be done. She told me she would discuss it with her Area Manager, XXXX XXXX when he came to her branch and see what he had to say about it and give me a call back.
At this point, I am losing all the way around : No wedding dress to pass down, parents ashes discarded in the trash, no photos/videos, and no money.
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| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I went to the ATM at Regions bank on XX/XX/2019 around XXXX EST. I went to put {$290.00} cash deposit in the ATM to pay a bill with. When I arrived to the ATM, I put my card in, hit make a deposit, and put the cash in, as soon as I did, the screen went black on me, so I got on my app and it said the deposit went through, so I went on my way. I paid my bill with that half of that money that night. On Monday XX/XX/XXXX, it still showed I had about half that cash deposit in the bank. I used my debit card to buy a drink at XXXX on lunch, dinner at a XXXX restaurant, a small purchase at a grocery store, and then I had to get XXXX $ cash out the atm and still showed a had around {$30.00} still in there. On Tuesday XX/XX/XXXX I checked my balance ( I do it daily ) and It said I was in the negative XXXX and some change and that included 4 overdraft fees of {$36.00}. I freaked out and went down to the nearest branch to file a claim, lady at the bank, saw I made the deposit on her end, but it didnt show on my app anymore?! I made a claim and said it should be processed between 1-3 business days. Well with the XX/XX/XXXX being on Thursday, it didnt help much. I called on Wednesday XX/XX/XXXX to check in claim it still was in review, XX/XX/XXXX was of course a holiday so I couldnt call, Friday XX/XX/XXXX I called and still in review. While it was still in review on Friday I got my paycheck and with me being in the negative now XXXX for 2 other XXXX $ overdraft fees for using my debit card earlier that week, with XXXX, and grocery store. It took the majority of my check, leaving me with XXXX $ for 2 weeks until this was resolved! Im still late on rent and after the XXXX, my apartment charges a late fee, which was 10 % of rent. Plus I had to put some on utility bill and pay 1 more other bill!!! I wouldnt be in this mess if the bank didnt XXXX my money up. Anyway, The weekend I didnt call because it was not business days. Monday XX/XX/XXXX I called in the morning and lady at customer service center said still in review so I called the lady at the branch and she was out so I left a message for her to call me back and she never did! So I called that evening at customer service center and A lady I talked to was very rude to me about my situation so I just hung up and would call back in the morning. XX/XX/XXXX, I called at XXXX something in the morning EST. Lady who I talked to was the only person that actually helped me! She said the lady at the a bank didnt put the claim in correctly and so it didnt go through?! So if it didnt go through the first time, why were the other people telling me it was in review?! Anyway so I explained to the lady I was late on rent, Ive been charged a late fee, and that it was also my sons bday today and so she expedited my claim and I got a phone call from resolution center and they put my XXXX $ worth of fees in my account but still waiting on my claim to process throughout that {$290.00} so they can put it in my account or so they say. I have been so stressed out over this, Im a single mother of XXXX kids and I live paycheck to paycheck at the moment to pay my bills and make sure everyone is happy. I have lost sleep over this, my work performance has been poor due to the stress I have over this! This should have been resolved by now!
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| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Regions bank is refusing to reimburse me money that was fraudulently and unlawfully removed from my checking account.
Moreover, they are denying me the very funds that they allowed to be removed illegally, and that they had approved the withdraw by the forger, and sanctioned it to be removed from my account that they were entrusted to protect as my bank.
Additionally, and even more importantly, they assured me, that the almost {$6000.00} would be returned to my account once the paper work was completed. I was informed then, that I should " rest assured '' that they would be " there to support me '' and I " would not suffer any loss monetarily '' once the funds would be refunded by their institution.
I informed the bank that this could not have happened at a more inopportune time in my life as I was in the process of securing a new job, and was at a bit of a financial hardship at this time. I became tearful at the time, feeling an impending sense of doom and despair at my situation, and that my start date for the new job was a few weeks away, I had car and bills payments to be made and didn't have any funds to do so.
I also quite distinctly remember taking a bit of consolation in hearing that, they would refund my money. And since I was quite visibly upset, I was informed at that time that " since the checks were a forgery and not the result of my doing '' I could expect a full reimbursement, and it would only require that I submit the required forms to be completed and the money would be electronically transferred back into my account. I explicitly recall the feeling of relief and trust, that my bank would help me in this very important matter. I agreed and was assisted in filing all the required paperwork by one of their Financial Relationship Consultants / Team Leader employed in their XXXX, IL branch. This person was XXXX XXXX, he helped me file the necessary paperwork I did exactly that and was very compliant with every step of the process, providing them police records, banking records, and all the required documents.
I then waited ....
Months went by and I was reassured that it was still in the process of processing, as I would periodically check in with my banker ( XXXX ). My visits should all be documented as Mr. XXXX would update electronically the inquiry on his computer and I again entrusted that they would do what they had assured method would. I do specifically recall I would say I must have made at least 3 or more of those check-in type visits approximately 3 times if not more. On one occasion, I was told there was a new branch manager and things had been moved around and that he could not actually lay hands on my paperwork, to check back in a few days ... which I did.
Today was one of those days. I am now being informed that a letter was sent to me ( which I never received ) stating, they do not intend to pay me what is, was, and should have ALWAYS been my money, and rightfully mine from the day I earned it, and then deposited into what I thought was a safe and secure Regions Bank account.
I am asking for your help and assistance in this matter. I will enclose all paperwork and records which will include dates, account numbers, police reports, and all necessary paperwork in support of my complaint.
XXXX XXXX, XXXX XXXX
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| 04/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I signed up for a checking account with Regions Bank in XX/XX/XXXX as a spending account. There was a promotion on XXXX that advertised free checking with direct deposit. The terms of the promotion I signed up for were as follows : {$200.00} bonus offer set to expire on XX/XX/XXXX Any LifeGreen Checking account is eligible for the bonus.
Offer is available in AL, AR, FL, GA, IL, IN, IA, KY, LA, MS , MO, NC, SC, TN & TX.
Direct Deposit is required for this offer. See options here.
Application will trigger a Soft Pull, which does not affect your credit.
You can fund up to {$1000.00} towards the opening deposit with a credit card.
The {$8.00} to $ 18 Monthly fees can be waived ( see below ).
There will be an early account termination fee of {$25.00} if you close this account within 180 days.
Minimum opening deposit is {$50.00} How To Earn The {$200.00} Bonus Open any LifeGreen Checking account online with the promo code XXXX. You can also have a personalized voucher emailed to you from the offer page for an in-branch visit. Use this online application link, which appears to be working fine ( be sure to use the promo code ). If the link is down you can try finding an updated offer by doing a XXXX search for Regions Checking Bonus.
Make 10 purchases with your Regions Visa CheckCard within 60 days of account opening.
Make a ACH Direct Deposits such as payroll or Government benefits deposit within 60 days of account opening.
Once requirements are met, youll receive the {$200.00} credit to your account within 120 days of completing the requirements.
Avoid The Monthly Fee You can avoid the monthly fee associated with most of the LifeGreen Checking accounts. LifeGreen Checking $ XXXX Monthly FeeLifeGreen eAccess Account $ XXXX Monthly FeeLifeGreen Simple Checking $ XXXX Monthly FeeLifeGreen Preferred Checking $ XXXX Monthly Fee No Monthly Fee with : {$1500.00} average monthly balance OR ACH direct deposit, such as a recurring payroll or government benefit deposit, to your LifeGreen Checking account. '' As this was being used as a spending account with a {$50.00} per month direct deposit, I signed up. I do not open accounts that require a monthly payment or have a minimum deposit amount as I knew that I would only be adding {$50.00} per month.
There was also a bonus of {$200.00} for opening the account and and having three months of direct deposit ( again with no minimum amount ).
In addition, there was another promotion for a {$50.00} gift card for referring someone else and once they opened an account, the gift card would be provided.
I carefully read the policy information contained in the XXXX ad and there was no mention of the minimum requirements for the monthly deposit.
In XX/XX/XXXX, two months after the account was opened, there was an account charge for {$8.00}. This happened again in XX/XX/XXXX and I called customer service. They told me that the terms of the promotion I signed up for changed and that there would need to be a minimum of {$500.00} per month to qualify for the free checking and get the promotion. This change was never communicated to me and go against the promotion I signed up for.
The statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are attached to show that I was not charged a fee for the first two months.
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| 09/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX BP Business Solutions generated an invoice for the XXXX XXXX XXXX account number XXXX with a total balance due of {$2700.00}. The balance of {$2700.00} was due on XX/XX/XXXX. A total payment of {$3600.00} was made on XX/XX/XXXX for the balance due of {$2700.00} and an additional {$980.00} for unbilled transactions for a total payment of {$3600.00}. The {$940.00} was not billed or due yet but was paid ahead of schedule.
On the next invoice generated for XXXX XXXX XXXX, on XX/XX/XXXX, BP Business Solutions added an itemized LATE FEE ON PREVIOUS INVOICE late fee of {$1500.00}.
The Tems and Conditions of this credit card account agreement states that the highest late fee that can be charged to a customer is 9.99 % for an account of high credit risk. However, since 9.99 % of {$2700.00} is only {$270.00} and not {$1500.00} BP Business Solutions incorrectly and illegally overcharged XXXX XXXX XXXX by {$1200.00}. Please refund the {$1200.00} amount to our account immediately Please refer to the agreement below If Customer does not make full payment of the Total Balance Due by the Due Date, then Customer shall pay a late fee equal to : ( i ) the greater of ( a ) seventy-five dollars ( {$75.00} ) or ( b ) 5.00 % of the New Balance ( defined below ), or ( ii ) the maximum amount permitted under applicable law if less than the amount in subsection ( i ). However, if Customer is deemed to be a High Credit Risk Account as defined below, the applicable late fee may be increased to the greater of up to seventy-five dollars ( {$75.00} ) or 9.99 % of the New Balance amount for each billing period for which full payment of the Total Balance Due amount was not received by the Due Date. In addition to a Late Fee, XXXX reserves the right to assess, and the Customer agrees to pay, an Interest Charge equal to the current Prime Rate + 23.99 % times the prior balance amount, pro-rated for the portion of a year represented by the billing frequency ( i.e., 1/52 for weekly cycle, 1/24 for semi-monthly, 1/12 for monthly cycle ), or the maximum charge permitted by law, whichever is less. The fact that XXXX may charge interest if Customer fails to make full payment of the Total Balance Due by the Due Date does not in any way authorize the Customer to elect not to pay such Total Balance Due by the Due Date, nor does it indicate that XXXX has consented to the failure by Customer to make such full payment. The New Balance amount on each Account is calculated just prior to the billing date and equals the Total Balance Due from the last Account statement plus any additional posted purchase transactions. XXXX also reserves the right to charge a Returned Check Fee of up to fifty dollars ( {$50.00} ) or the maximum amount permitted by law, whichever is less. If XXXX deems Account uncollectible or institute delinquency collection proceedings by sending Account to an outside collection agency or attorney for collection, Operator may stop sending Account billing statements. However, fees will continue to accrue whether or not XXXX sends Account billing statements. Customer must notify Operator of a change in Customer address by contacting customer service by telephone or mail. Operator will mail or deliver the billing statement to only one address
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| 11/19/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Since XX/XX/XXXX my father has had a business checking account with Regions Financial Corp, formally XXXX, in XXXX, AL. The account was in his name and my mothers name. In XX/XX/XXXX I bought the business and changed the name of the business so I went to Regions Bank and opened up another checking account in the new business name which has my name only. My name was also added to the XXXX account meaning that XXXX names are now on that account. When I went online to see my accounts, I could only see mine not the one with XXXX names on it. I went in my local branch and asked how can I see both accounts on the computer screen at the same time. The banker told me I had to put {$50.00} In another account for 180 days put that account in my daughters name, she 's XXXX, and I could see all XXXX accounts after that XXXX account in my daughters name was set up. I do n't understand why I had to setup this XXXX account but I did it anyway. A few months went by and one day I went online to " bill pay. '' I wanted to make a payment on my car so I logged on, saw all XXXX accounts and punched the tab " bill pay '' selected " XXXX '', entered the date and amount and hit send. A week later I get a notice in the mail that I had over-drafted the account and was charged {$36.00}. I went to my branch and they showed me that I had to select the account from a pull down tab instead the website defaulted to my daughters account which has {$50.00} in it and the other XXXX accounts had plenty of money to cover the charge. The banker refunded the money and I went on my way. I month later I did it again, then the banker said he could not refund my money but instead showed me how I could change the default setting making my account the default. ( The website should have notified me that I was about to overdraft and that I need to choose another account to pull from with more money. ) I never understood why I wad to have this account anyway now it has {$14.00} in it. This past week I checked on my accounts online and noticed that my daughters account has {$0.00} in instead of {$14.00}. I went online and checked recent activity and noticed that in XX/XX/XXXX and XX/XX/XXXX I was nailed for monthly charges of {$10.00} and the final {$4.00} making the {$0.00} balance. I opened this {$50.00} account in XX/XX/XXXX and not once had a monthly fee charged until XX/XX/XXXX. I went to my branch and asked them about the recent fees. The banker looked up my account and said that the account was changed from a student account to a small checking account that has a monthly fee. The banker was confused as she did n't understand how this happened and said Regions does n't even offer this type of account anymore. This was Friday XXXX. The banker said she would look it over and get back with me and I never heard from anybody until Wednesday XX/XX/XXXX. That banker said that he checked with " operations '' and they ca n't refund the money because that account has been closed and there was nothing they could do about refunding the money. On that day XX/XX/XXXX, I went in and closed the XXXX account with the XXXX names on it and am now waiting for the auto charges to go through to close my account. I know its not much money at all, but I feel that Regions stole my money.
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| 06/26/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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My spouse & I applied for mortgage refi with Regions around XX/XX/XXXX My wife currently has an existing home loan # XXXX XXXX ( XXXX XXXX ) with Regions and were looking to refinance the existing loan with a joint loan at a lower interest rate for around $ XXXX. The existing loan is $ XXXX/mo and our debt at the time could have all been paid off and only cost us an additional $ XXXX/mo, but not have to pay out the monthly hundreds of dollars that we had been paying. In other words, we were leveraging our debt from $ XXXX/mo w/ our business expenses. From {$8900.00} to $ XXXX/mo, a no brainer right? Both my wife and I have XXXX FICO scores with mine being over XXXX. Considering the XXXX to 1.5 % rates the banks got from the feds, they were suggesting an 8.5 % loan. When I told them no way, they later denied our loan application. We received NO documents afterwords, NO denial letter in writing and NO " Know B $ you Owe '' pamphlet. We had been banking with Regions for 3.5 years, personal, business and savings. Again, the current rate form 3 plus years ago is 4.25 % fixed, they would consider anything less than a " suggested 8.5 % '' as informed on the phone. Also, Regions has a problem, like most banks, of customer 's curtailing their loans and paying off more than 12 payments per year. We paid about 14 payments per year. Why would anyone offer twice as much in interest, for being an outstanding customer and NEVER late? Regions punishes us for this and some call us " deadbeats '' because they're not maximizing their interest profits! Regions is NOT participating under current standards and guidelines. Instead they choose to trap their customers into high interest rates, despite one 's good standing. We're tired of being gouged in interest!
Secondly, Regions over inquired against our credit report and lied about XXXX XXXX 's credit score on behalf of our business C/C. We had once previously attempted to refi 3 years ago and after running our credit which ran a XXXX score, they ran XXXX XXXX 's credit again, two weeks after and allocated that he had a XXXX score. We had applied to a business offer of up to $ XXXX @ 8 %, however, they gave us $ XXXX with a said XXXX, but@ 22.49 %. Even during Covid 19 and a previous refund issue, they are eager to maintain maximum interest profits. Regions has NOT giving us ANY legitimate reason for denying our loan application other than their own financial gain. I'm not saying that they are not entitled to a profit, they're just out to XXXX you in interest! We respectfully request that you look into Regions and acquire as requested. We would also appreciate the reversal of hard credit inquiries that they have wasted and cost us. Our business C/C # XXXX XXXX XXXX XXXX and they also assigned another # XXXX XXXX XXXX, that's confusing. It's still one account. Their interest charges are unfair and unjust. We also have about 80 % plus equity in our home and our XXXX tax income came in around {$110000.00}, so what's their problem? As advised thereafter, they are suppose to acquire only 6 pieces of information and hand out a 22 page pamphlet before wasting your time, fico points and allowing you an opportunity to be qualified before further procedure. Thank you
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| 06/18/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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On the night of the XXXX of XXXX my account with Regions bank was in the positive. I got paid on the XXXX I started transferring funds on the morning of the XXXX and my trans action were already out of my account which was approximately XXXX. It XXXX I had a XXXX with my XXXX. At XXXX she was done with my nails. The only reason I remember that time was because I had a XXXX appointment with the dealership to have my vehicle serviced. At that point she which is my XXXX girl took my card to swipe for my transaction and my card The only reason I remember that time was because I had a XXXX appointment with the dealership to have my vehicle serviced. At that point she which is my XXXX took my card to swipe for my transaction and my card was declined I looked at the car kind of strange because I know when I left the house I had a balance of {$150.00}. So I then gave her a different card to pay for the transaction at that point on my way to the dealership I looked at my account and saw that my account was $ XXXX and some change so I ' then transferred {$68.00} even into the account to bring the account into a positive balance which at that point around XXXX my account was in the positive XXXX some cents. once I got to the dealership I again got online at the dealership and saw that my account again around XXXX was in good standings. On the XXXX I got a text message on my phone stating that my account was in the positive on the XXXX which is today I got a text message about my account saying that my account was on the XXXX I got a text message on my phone stating that my account was in the positive on the XXXX which is today I got a text message about my account saying XXXX in the negative which could not have been right. So I then called customer service spoke to a young lady then asked to speak to a manager the manager I spoke to was XXXX XXXX she stated that my account was correct as I explained to her it was not I had the pictures to show heart and that she could even research it by contacting the credit card department to see what time I swiped my card and she could contact the online department stated that my account was correct as I explained to her it was not I had the pictures to show heart and that she could even research it by contacting the credit card department to see what time I swiped my card and she could contact the online department and see what time I went on to transfer the funds into my account and the last time that I checked it. The overdraft fees that they are trying to charge me are incorrect again as I stated I transferred the funds and my balance was in the positive 20 some cents. along with them charging me the overdraft fees XXXX XXXX hung up on me which is not good customer service either and especially not one that a manager should take. I am not disputing that my account was in the negative on the XXXX when I am stating is that I put the funds in there at XXXX and brought my account and the positive so I never should 've gotten an overdraft fees. I am not disputing that my account was in the negative on the XXXX when I am stating is that I put the funds in there at XXXX and brought my account and the positive so I never should 've gotten an overdraft fee.
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| 11/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Our company had a commercial fuel card account with XXXX XXXX ( aka XXXX XXXX ) in XXXX Ga. We closed the account around XXXX of this year due to nonstop bogus charges on our invoices. They would automatically sign us up for programs that we did n't want or make up new fees and we would have to call to get them removed and credited back to our account. For example, on XX/XX/XXXX we were charged {$430.00} for high risk credit fee. This was not triggered by a late payment. When we called to dispute the charge, we were told that their computers crashed and to call back the next day to have it removed and we did. They also swapped over to a new online system around the beginning of the year which delayed them sending invoices and they sent a notice ( included in attachment ) stating that they would extend due dates because we could not pay the bill online until their system was fully functional. We then mailed a check on XX/XX/XXXX in the amount of {$25000.00}. Due date was XX/XX/XXXX. As of XX/XX/XXXX the check had not cleared and we were charged {$3600.00} late fee, XXXX interest, and they signed us up for a program called clean advantage for {$360.00}. Again we called and they agreed to remove and credit these charges on the next billing cycle along with {$5.00} bonus fee, {$15.00} check fee, and {$4400.00} minimum program admin fee. The last invoice received billing date of XX/XX/XXXX, all charges were removed except for " clean advantage '' fee of {$410.00} and fuel charges of {$440.00}. I called to ask what clean advantage was why we keep getting billed for it. His response was " let me email you the information so you can look at it ''. After looking at the email ( included in attachment ) while he was on the phone I learned that this program is designed to fund projects to help reduce C02 emissions by planting trees and develop recreational space for people to enjoy. I asked him to remove the charge that we never asked for. He said ok and I was given reference # XXXX on XX/XX/XXXX. This was the last invoice received from this company and the account was deactivated. After hours spent on the phone correcting similar issues each billing cycle, we determined that this company is unethical in its business practices. XXXX XXXX XXXX have been flooding with complaints about this company with similar issues. We signed up with a new fuel card company and have had ZERO issues or surprise fees. 6 months have passed and we received a call from a collection agency on XX/XX/XXXX trying to collect a debt from universal fleet card. The amount is for {$1500.00}. We have no clue what this is for and when we asked the collection agency to send a breakdown of charges their response was " no going to happen ''. This person was very rude as well. Then we received a letter from XXXX XXXX collection agency dated XX/XX/XXXX collecting debt for same amount. I assume these are the same people that called. We do not owe this debt. Our last invoice was paid on XX/XX/XXXX and we have n't received anything from them since. I called XXXX XXXX on XX/XX/XXXX to get a breakdown of the {$1500.00} but they were not willing to help me and said that I need to go through the collection agency with any questions.
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| 07/28/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Regions Bank in the city of XXXX XXXX LA. has debited my checking account for 18 unauthorized debits of {$19.00} each. These debits were for XXXX credit reporting co. 16 of these debits caused a NSF charge of XXXX each. The debit total for XXXX is {$350.00}. The total charge from Regions Bank for NSF charges are {$460.00}. I have had no contract or account with XXXX, since XXXX of XXXX when I cancelled my account with them. Yet on XX/XX/XXXX a recurring card transaction for XXXX that says XXXX consumer XXXX XXXX XXXX XXXX XXXX GA. XXXX ending with the last XXXX numbers of my debit card account which is closed now was XXXX. The last debit from XXXX is dated XX/XX/XXXX for XXXX, all debits from XXXX are {$19.00}, there are XXXX total debits from XXXX equaling {$350.00}. I have made repeated calls to XXXX and only get promises from them to investigate, never any replies or results, or they say they have no record of these debits. I have faxed the bank statements to them to show them proof of their debits, but nothing was said or done since my first contact with XXXX on XX/XX/XXXX.This is when I first noticed these debits while looking back on my bank statements. I would like these funds credited back into my account. This is fraud by XXXX. The second problem is Regions Bank and the very unprofessional and unlawful way they are handling this matter. This bank is in violation of the Electronic Fund Transfer Act, U.S.C.5531 ( a ), 5536 ( a ) ( 1 ) ( B ), ( unfair, deceptive, or abusive acts or practices ), FDIC Law and Regulations. The manager of the XXXX XXXX LA. branch of Regions Bank, XXXX XXXX, was notified about my problem and their violations of FDIC Laws.She agreed that it was wrong to charge a overdraft fee for these transactions because the bank did not obtain an affirmative " opt-in '' for my debit card account. XXXX XXXX reassured me that the she would correct the problem immediately. Many days passed and many phone calls were made, nothing was done, no credits back to my account. I did get one answered phone call by XXXX XXXX telling me that she had to get final approval from her supervisor because of the amount, a XXXX XXXX XXXX. I have placed many calls to XXXX XXXX but no answer, no returned call. Every debit from XXXX caused a NSF charge, please see CFPB XXXX order in the matter of Regions Bank, File No. 2015-CFPB-0009 violation of Regulation E, 12 C.F.R. 1005.17, the implementing regulation of the Electronic Funds Transfer Act 15. U.S.C .1693 et seq. ( EFTA ). Deceptive representation etc. After 2 weeks of calling to follow up, as of 7/27/18 I have not received a call back from any management personnel of Regions Bank. Regions Bank charged my account {$460.00} for NSF charges this is a Federal Law Violation as per the CFPB CONSENT ORDER.. My total lost is {$460.00} from Regions plus {$350.00} from XXXX, total loss is {$820.00}. Regions bank has been reprimanded severely by the CFPB for the mentioned Federal Violations / see CONSENT ORDER. Regions Bank has maintained a very low level of cooperation in this matter, hinging on fraud at mid level management. The people mentioned are uninformed, uncooperative, and seem to be unfit to hold their positions at this bank.
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| 05/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I was given a Comdata Debit Card by my employer in XX/XX/2019. All employer payroll from that point on was to be processed and handled by third party payment processor Comdata.
Subsequently all employees were required to possess and utilize the Comdata Card to receive their weekly paychecks. Direct deposit was still offered as an option after activation. Utilizing an automated online system you could add a separate bank account to have a selected percentage of your weekly check transferred automatically to your bank. The process is stated to take 7-10 ( business ) days at which point you must then, verify the bank by awaiting a small deposit to the account, and prove ownership.
After authenticating the deposit increments, a waiting/processing time for the account to be linked with Comdata was another 4-5 business days according to Comdata. These are all stated timeframes however and after receiving the card and creating online access it took 12 weeks before my bank account was processed by Comdata allowing my paycheck to be received to my bank account.
During the extended processing time by Comdata, all my funds that were loaded on this card were said to be available to access and use anywhere Mastercards accepted, however the card can not be utilized for any normal merchant transaction, nor online purchase, not even applicable are money transmitters or the ability to pay bills or purchase a money order. The card is completely useless and no access was granted to my weekly paychecks for the entirety of the 12 week period. Every single phone call to support the countless thousands, resulted in the same negligent response you can take your card to any bank and have the money received as cash, or take it to an ATM where you have {$200.00} limit of withdrawal daily.
Withdrawing from an ATM worked for 3 transactions while the rest ended with Unauthorized Transaction Type. Any bank where the card was taken to refused to service me in any way shape or form, XXXX XXXX, XXXX, XXXX ) all services contacted by phone and told me to contact the institution that my card was through. This completed the circle back to the useless phone call to XXXX as I started.
Despite my bank account being linked to my account finally after those 12 weeks and my paychecks then on being received. Upon trying to deposit the funds already on my Comdata card, the option appeared to be nonexistent. At which point another several calls to XXXX, I was informed yet again, Your account is verified so you can take it & your ID to any bank that accepts Visa & Mastercard to withdrawal your money.
I now have a vehicle repossessed for lack of payment when I have failed for 20 weeks to transfer this money to my bank account for bills and necessary transactions. The countless time, money, and cash wasted on phone calls, visiting bank tellers, and late fees on top have completely disrupted my life in a way no institution should be allowed. This is completely absurd and ridiculous to not allow me to have my WEEKLY PAY, and even more absurd that week after week of phone calls to customer support to withdraw the {$8000.00} on my card that is very much needed, has completely been disregarded by the institution.
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| 02/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I received a SBA sponsored loan from Regions Bank in XXXX. The original amount was {$210000.00}. In XXXX I requested a loan payoff since the loan was attached to my home. I was selling my home and I needed to payoff the commercial loan. Once I received the payoff, Regions placed {$6700.00} in forced insurance premiums on the loan. I had this loan for 10 years and I had insurance the entire time during this time. I was not notified of the forced insurance. It did not show up on my loan, my monthly statement, my online account or any other bank item to even know that this existed. I was not mailed anything. I was not sent insurance policies or any other insurance information. I have never been provided the polices to review or even if they existed.
When I inquired about getting it removed, I was instructed to email the proof of insurance to a email XXXX.
They originally asked for business liability proof of insurance. I sent it. They then asked flood insurance. I told them I was not required to have flood insurance from my landlord. They then asked for business content proof of insurance. I sent that as well. I felt like they were making up things for me to get them until I could no longer produce the documents.
I sent all of the documents. I thought this would be a pretty easy process since I had insurance the entire 10 years. They then stated that the polices I sent them were not worded or titled correctly and they were not going to remove the {$6700.00} in forced insurance. From my research it looks like they applied forced insurance during years XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX but not in XX/XX/XXXX, XXXX or in years XX/XX/XXXX-XX/XX/XXXX.
Regions Bank has refused to refund my money. They stated that the policies were not correctly titled to their liking. The insurance policies in XX/XX/XXXX-XX/XX/XXXX were no different than the polices from XX/XX/XXXX-XX/XX/XXXX. This is clearly an attempt to stall, delay, find technicalities or some other reason not to refund my money.
This practice of creating fake insurance and then failing to notify the loan holder should be illegal and is basically extortion. I could not close of the sale of my home until it was paid. I pushed the closing back 4 times in order to give Regions time to make this right. They refused and I was forced to pay off the {$67000.00} in illegally obtained forced insurance out of the sale proceeds from my home.
I have two major issues with this situation. First, I was not notified fo the forced insurance. It did not show up on statements, online documents, monthly payments or any other item from the bank. They put this fee on my loan for three years ( then stopped the insurance ) without my knowledge.
Secondly, when I provided them proof of insurance, they asked for the insurance to be in at least 5 different formats. They asked for three different types of insurance and the policies to read in 3 different ways. I would like to see the policies they claim to have gotten on my behalf and I assure you they dont have the three types they made me provide ( which I did ).
I appreciate you helping me resolve this situation of a consumer being extorted by a XXXX dollar bank.
Thanks!
XXXX XXXX
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| 07/18/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/2023 I was contacted via email by XXXX XXXX employee from XXXX XXXX XXXX XXXX in regards to a fuel credit card with a balance of {$25000.00}. I immediately replied back and offered a settlement, she informed that settlements had to be submitted. On XX/XX/XXXX I received an emailed from them and agreed to settle for {$16000.00} over XXXX XXXX with first payment to start on XX/XX/2023 for {$2600.00} and last payment would be in XX/XX/2023 for {$2600.00}. On XX/XX/XXXX I contacted my representative to request a XXXX XXXX extension because I was going thru financial hardship. She accused me of lying to her, was threatening to default the stipulated agreement and threatened to file a lawsuit agains me. This was a settlement to be paid in XXXX XXXX I had informed her multiple times that I'm not refusing to pay and simply asking for a XXXX XXXXy extension to pay on XXXX. She still denied and threatened that if I don't make a payment by the end of business day of XX/XX/2023 she will default my agreement and file a lawsuit against me. She was very rude, disrespectful and aggressive. She threatened me with a lawsuit when I was only asking for a XXXX XXXX extension. Then I called back and spoke to XXXX XXXX, he approved the extension and agreed that I make my XXXX payment on XX/XX/XXXX. I emailed a postdate check dated for XX/XX/XXXX for {$2600.00} to XXXX ( another rep ). They processed my payment, it was never returned and was successfully withdrawn from my bank. However on XX/XX/2023 ( the day before the agreed payment was withdrawn ) I received a demand email from XXXX XXXX with a complete different balance of {$19000.00} as if I never made payment arrangements or extensions. I emailed back to her to inquire about the payment and she did not responded, on XX/XX/XXXX I replied again to see what was the email about and to confirm that my payment plan is still in place and she never responded. In the mean time I called her multiple times she never returned my calls. On XX/XX/2023 I emailed again and she did not replied. Today on XX/XX/XXXX I called them to confirm that they received my XXXX 's payment and that they still have my payment agreement in place. No one was able to confirm that, instead I was threaten of a lawsuit. I politely explained the situation and wanted to a reassure that my payment arrangement is in place but then the person I spoke to stated XXXX is the one I need to speak to see if he's willing to honor the agreement considering I already made XXXX payments and had an extension from him, yet I couldn't get hold of him. The rep that I spoke to demanded that I pay additional {$5300.00} by the end of XXXX month. I told him I can't afford to pay that, and that I already made XXXX 's payment of {$2600.00}. My remaining settlement balance should only be {$5300.00} paid in XXXX XXXX since I have already paid {$10000.00}. I can not pay no more than the agreed amount. I don't appreciate the harassment, the disrespect and threats from this company. I have been honest and willing to pay since day one. I have not disrespected them I only need a confirmation of the agreed payment arrangement to make sure that in XXXX pays account will be deemed settled in full.
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| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : REGIONS BANK XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 01/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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Overview : I opened my account with the promotion code and referral program, but it was closed by the bank saying I didn't provide the necessary documents in one month. However, I did bring all the documents. Now, my deserved bonus can not be honored because of the closure, which is not my fault. The online rep and branch bankers refused to honor this bonus with various runaround actions.
-- -- -- -- Timeline : XX/XX/XXXX : With the {$200.00} promotion XXXX and {$50.00} referral program, I opened XXXX checking and saving accounts in the Regions Bank branch ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) with the help of banker XXXX XXXX. I provided my passport, real ID, and XXXX card. The banker said he needed to see another proof of address such as a utility bill. I promised to take it to the branch the next day.
XX/XX/XXXX : I went into the branch in the afternoon, and met the bank XXXX XXXX at the counter. I showed my electric cable bill to him and he said it was okay. Then, he guided me to his workspace and helped me set up my online banking.
XX/XX/XXXX : After the account opening, I fulfilled all the requirements for the {$200.00} promotion and {$50.00} referral bonus. The screenshot is shown in the attached PDF.
XX/XX/XXXX : I found my debit card can not be used, and online banking was blocked. I called the online rep for support and was told that the accounts were closed because of not providing the necessary documents. The rep said that she could do nothing and suggested I could contact the bank and local branch for an investigation. I directly contact the local branch ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and a banker told me that XXXX XXXX ( who helped open the accounts and verified my documents ) was not in the branch. But this banker promised to update me in 3 to 5 business days.
XX/XX/XXXX : I didn't receive any call from the branch. I had to call them. This time, a lady banker answered my call, but she had no idea of this case. She promised to write it down and give me an update by next Monday ( which is XX/XX/XXXX ).
XX/XX/XXXX : I had to call back because I didn't receive any call from the branch. This time, a nice banker ( maybe the XXXX called XXXX ) answered my call and promised to do an investigation and give me an update in several days.
XX/XX/XXXX : Very sad and tired, but I had to call back again because I still didn't receive any call from the branch. This time, another banker answered my call and told me to wait for more days. I had no idea why such an easy investigation took so long time. It was already one month passed since my account was wrongly closed.
-- -- -- -- I have contacted Regions Bank several times, but every time the banker/rep just lets me wait for some days. Until now, I have waited for over one month, but the bank can not resolve my issue. The bankers are passing the buck, refusing to contact the banker XXXX XXXX for verification of the fact that I have provided all the necessary documents. The bank refused to honor my deserved bonus ( {$200.00} promotion + {$50.00} referral ). I am afraid it is a bait and switch to bolster their account openings and to deny me the right for me to successfully obtain the bonus.
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| 02/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Trouble using the card
- Trouble getting information about the card
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Web |
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My company awards incentive trips and contest during the year, our expenses and incentives are paid to us by using a COMDATA payment solutions master card. I do not use the cards when i get them but do before the expiration date. I pulled a card out on XXXX to use becasue it was set to expire at the end of XXXX. I called to activate the card on XXXX and after I activated the card i was asked to hold, a person came on the line and told me that the card was listed as lost. I said that the card was not lost becasue I just activated it and have it in my hand. The recording on the line said that my card was now activated adn I needed to create a four diget pin and give the expiration date and the security code on teh back. I told the person that the card ending with # XXXX had been in my safe until XXXX so it had not been lost. I asked her if the money had been moved to another card becasue I have several and an additional card number with the last 4 numbers was showing below the one that was supposidly lost when I looked on line. The person would not answer this question and said that I would have to contact my State. I again asked her what happened to the money and the card was not lost and had not been activated until XXXX, the line went dead, she hung up on me. I called back and talked to another person, I explained the same thing and she finally asked if I wanted her to send a replacement card and I said yes. She asked for my address and I gave it to her, she said no your previous address, I told her that this was the only address that I have had for the past 20 years. I told her that my company provides this card and it might have their address on it, I was then asked when I got my last paycheck, I asked her what this had to do with the card but did tell her the date, she was again confused becasue none of this information had anything to do with the card or issue. The person then said that they would call me back after they looked into this, she never called back. On XXXX I called again and went through everything the third time. This person again said that the card was reported lost on XXXX, I again said that it was not lost and it was just activated on XXXX. The person then told me that the card had been used when I kept asking her what happened to the {$700.00} that was put on the card. I asked how was the card used when it was not activated until XXXX, and how was it used when it was reported lost, at this point the line went dead again. I have made three attempts and have been hung up on two times. I checked another card that I have that has an expiration date of XXXX and it also says that it is lost but I have it in the original envelope in my safe, it has not been activated. It appears that if a card is not activated and/or used within a year or so after it is issued it is going to a lost status so there is an issue or fraud at some point. I talked to two supervisors after I started this complaint and they were not much help either, the last one told me that there was nothing that they could do and they could not help me. Based on this experience I would never use comdata npayment solutions for anything. Thansk for your help.
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| 04/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account with Regions Bank XX/XX/XXXX, after taking my time considering what bank to bank with. Regions was offering a new account incentive. So I went ahead and choose to open an account online. As I was opening this account I was also chatting with a Regions representative, that was very helpful. During this process I advised the chat rep that it was not giving me an email verification that he stated would to get the offer. I was being taken to another tab and the window wasn't opening. I screen shot this and printed it. He then advised me to not to worry, that I would have to go into the Branch to finish the new account to print the convo and explain, the branch would be better to help assist. So I did this, I also had to go thru 3 days of verification for them to approve me new account, I honestly found this frustrating. Upon completing this I gave the convo to the bank rep and explained what happen, she advised she would send this over to the lady who is verifying my account and speak with branch manager and let me know. I have been doing this since XX/XX/XXXX. The rep who helped with me at the Branch is named XXXX, XXXX branch in XXXX XXXX, Fl. I asked for info and update on the promo she asked me if is did steps I stated yes and she never responded back to me. I stepped into the Branch last week and was advised to call the XXXX #, I did. I was advised by two people that I have met all the verifications and steps needed and transferred me to a department to see where this promo was and when should I receive it. I then spoke to XXXX, very nice person. She saw everything to but was unable to see the verification code, I explained to her what happen, she advised this should be simple and she would reach out to the branch and for me to follow up. I followed up XX/XX/XXXX and spoke with a gentleman and explained to him everything and he read notes to then tell me verification code could not be verified so unable to process due to marketing. I said are you kidding me, went on to explain I have been dealing with this since XX/XX/XXXX and I did everything I was told to come to this. I even said at the Branch to XXXX if there is going to be a problem do not finish the new account, start over so I don't miss out on the promo, for her to say no its fine there should be no issue. Now the issue I miss out on an offer because no one took the time to make sure I wouldn't. I then went on to why offer something that Regions is not going to own up to, was there even a promo. He stated I presented something from last XX/XX/XXXX and he see where I also couldn't get the verification code for the new offer XX/XX/XXXX. I said that rights, XX/XX/XXXXwas expired since XX/XX/XXXX, cant use that. XX/XX/XXXX is good till XX/XX/XXXX, please fix this, and he couldn't. So I am disappointed that I have gone this long and no one can help. I met all the points to get this and was open about the issue I had opening this account from the beginning. I am requesting to have this looked at and respectfully honor the promo I was suppose to receive. If this cant be done, I may close my account, as this makes me feel Regions doesn't not do quality business.
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| 08/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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My complaint is against Regions Bank, XXXX Florida. The Mortgage Lender, loan processor, buyers Realtor, sellers Realtor, and the Seller of property. The first thing I do want to say is, buyers need to have more rights, and not get get taken for thousands upon thousands of dollars.
I was approved for a mortgage loan upon applying. After weeks of searching for a home, I found one but in ordered to have it I offered XXXX over the asking price of the listed price of XXXX and in which the home was only appraised at XXXX. So me offering the XXXX over the listing price of XXXX the seller excepted my offer. The seller then says she needed to have a additional 6 weeks to move. I had agreed to it but I had to make other arrangements on where to live for those 6 weeks which was in a hotel that cost me XXXX a week X 6 weeks. Other costs along side that was for the plane fare from XXXX to XXXX, my luggage costs, two different shuttles. Additional costs and fees related to the home process is XXXX. Upon submitting all documents on my behalf in a timely manner only to be having to do this several times over. The lender denied my loan but did not send me a letter and in which I had to ask for it. I then said to the Lender and my Realtor that I would like my earnest money back too. The lender then sends me the denial letter if you want to call it that but was dated for XX/XX/2021 where its from the credit reporting bureau which he the lender pulled on that date and I was approved. I then said to him thats not even related to a denial letter. Long story short, I was denied 2 days before closing, so they claim because I had not responded to their claim / issue at that very instant moment. Which I did reply and I said that I was working on it. In the mean time I said to my Realtor, if I am denied then want to know why and in writing and want my earnest money back. He then sends me a form to sign, I then said I am not signing anything until I know I am getting my Initial DP back. He said thats what its for. I looked it over and I was entitled to the full amount and not even 2 seconds later he sends me another form to sign saying that I would only get half. I said no, I am not signing it, and I did not sign. I also said to him that I was good enough to give her that time that she needed to move so I think she should give me an extension as well and that was to resolve an issue. The seller was very unreasonable and very hard to get a long with. Her greedy little self is not entitled to keep my Initial deposit. I feel like I was taken to the cleaners. Buyers need more rights. Buyers should not have to be put through XXXX the way that I was. Buyers should not have to put up all them up front costs where someone next in line buying the house benefits from it. I want my earnest money back. That is my hard earned money not theirs and hers to keep. XXXX ... .... I have all my documents of this case and conversations with them if need of them. I also would like to say that I am not only doing this for myself but I want to help others out there who were or will be taken fir their hard earned money. It sounds like a racket and a racket that needs to stop.
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| 08/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I was charged an overdraft fee for a posted item that didn't actually overdraft my account. My balance after the posted XXXX XXXX transaction was {$1.00}. There are 2 pending debit card transactions that have not hard posted yet. I have been in XXXX for 18+ years and I've not seen where a customer is charged for " pending '' potential overdrafts. My posted balance after the overdraft fee of {$36.00} is XXXX. How is that?? I used the wrong debit card at XXXX XXXX yesterday after XXXX. As soon as I realized this, I deposited {$2.00} to cover the difference. In my experience an overdraft fee is assessed the following day after the item hard posts to the account, giving the customer time to correct the overdraft. I also thought most financial institutions had implemented the no fee if overdrawn less than {$5.00}. Perhaps Regions is not one of them. I still think the way my transaction and fee were presented on the same day still not resulting in a posted actual overdraft, is more than shady. I'm really hoping this is some kind of system error and it will be corrected. I emailed Customer Service about this and was given a templated response regarding their posting order. " When a purchase or withdrawal is made with a XXXX, those funds are immediately held ( or " frozen '' ). Purchases made with a XXXX have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending.
The balance in the account before posting on XX/XX/2018 was {$6.00}. There was 2 transaction pending ( holding ) for {$2.00} which left an available balance of {$3.00} for us to pay the items posting to your account that night.
There was then 1 item presented for payment on the account for {$5.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay the item. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items.
I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice. '' So I will now pay {$36.00} X 3 for a difference of {$2.00}. I will now get charged 2 additional {$36.00} fees for the " held '' {$1.00} and {$1.00}, even though I deposited enough money to cover those. Since they charged the {$36.00} fee for the {$5.00}, and {$1.00}, and {$1.00} ... .but because the {$1.00} & {$1.00} are pending, when they post tonight, they will charge me OD fees for those AGAIN. I have never seen transactions pending handled this way in banking. It is thievery and should be a violation banking acts. The way these transaction reflect on my statement doesn't even reflect this logically. I was charged an overdraft fee on the same night that the transaction posted.
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| 03/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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Hello, I have been dealing with this issue for two years. It stems from a case that began in XXXX pertaining to me and my little boy. I am the mother and my son is heir to a large estate. I have a parenting plan so its illegal to sue me for custody after his father died. Anyway, the person suing me had gotten someone to seizure my computer and XXXX that are synched to delete information pending to the case showing that she is unfit for my child and the truth to the allegations claimed. So, i even know who it is as you have to have access to my old XXXX ID. I had been worried about my privacy since then and got a new XXXX ID and that worried them because the idea was to not succeed for me. They didnt want me to as the child is one of interests to the other for one thing if I am not unfit with proof. After I showed her attorney in XX/XX/XXXX that the allegations claimed were false, they canceled to have it heard. Well, they took computer in XX/XX/XXXX and the XX/XX/XXXX is the bearing they canceled that officially would have Dismissed the case. So, it was over and she kept it ongoing until XX/XX/XXXX by keeping me out of court in her city which me nor child are from. Naturally, you petition in the county where the sole living parent resides. Anyway, in relation to my products later on, I then, discovered credit fraud and false charges on my account as late as yesterday that linked to my XXXX ID from XXXX. I have been charged countless false charges and I dont even have the card linked to my account at that time. I also, have a new debit card and the one they are releasing funds from doesnt work and neither XXXX ID has my new debit card information until yesterday. Well, if I have had this card for 4 months and havent linked it until yesterday and the other is canceled? How are they withdrawing funds? XXXX said my old debit card was linked to both XXXX ids and I said no. I dont have any apps I am even paying for. I found it connected to my new XXXX ID. So, what I think occurred is that they linked my old XXXX ID using my devices. I no longer log into my old XXXX ID at this time. However, they have in order to attempt to spy or read my emails while also committing fraud on my checking account. I called XXXX and they removed the charges. XXXX did confirm this. I then, was about to place the new debit card information and saw that there was another number not my own linked to the account. I dont know whose number it was or did I recognize it. I will report the other things I have found in the subjects they each person. This is done to financially harm me as I have damaged credit now. This person who is my ex mother in law was attempting to claim false allegations and I wasnt allowed to file anything and she took my son and his entire estate. She is the one also responsible for the computer and XXXX. I dont know what to do as the local authorizes dont listen as my son isnt from this state. Therefore, you can not petition a court without venue or jurisdiction and take someones child for no reasoning especially, if the mother has never had any issues. Anyway, I thought you should know there was intent and why. Thanks.
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| 01/21/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I brought in a mailer coupon for a {$300.00} checking bonus XX/XX/XXXX to a local Regions Bank on XXXX XXXX XXXX, XXXX, TX XXXX, and opened a lifegreen checking with the bank. The branch manager told me they needed the complete mail for verification for which I already threw away because there was a detachable coupon from the mailer which did not state I needed the complete mailer for the bonus. The manager proceeded to open the account anyway stating it was okay because i had the coupon. 3 months passed by and i did not get the bonus despite having fulfilled the requirement ( XXXX debit transactions ) .This was XX/XX/XXXX, which was 3 months after i completed the requirement. I went in to talk to them, and one of the bankers ( XXXX ) kept telling me to check back which i did. Another month went by and still no bonus so i called up the bank who gave me the runaround stating they were working on the issue and would give me a follow up. I never received any follow up until i started calling the banker 's direct number to which he apologized and promised to take care of the issue. Another month went by with no result. I was thoroughly fed up at this point i told them i was going to file a compliant if they kept ignoring the issue. the banker kept telling me he would follow up with the status, never once did he initiate the call to me to update me on the status, only once after i 've called him first to demand a callback. I had to coldcall this bank numerous time week after week to get an update which was always '' i promise you it will be done ASAP. '' His excuse was the system could not locate me for the bonus because i did not have the complete mailer, but they would go ahead and take care of it because the account was opened anyway.
Finally on XX/XX/XXXX i went in the bank myself to talk to them, the banker saw me and immediately sat me down and told me they finally got the ok to deposit the money into my account and promised that i would receive it by the next morning. I gave them 2 days after that conversation, still no bonus. I tried to contact them by phone many times and was always told by a teller that they would contact me back, not a single call back.
I really wanted to close my account at this point because i am so fed up with this bank and how incompetent the people working here are. I am not even as angry about the bonus not getting deposited as it should have. but rather the lack of respect for their customer and lack of courtesy to simply give a phone call to update on the status after promising numerous times that they would.
I initially decided to give this bank a chance as i was actually looking for a new bank to deposit my money and it was relatively close to where i live. But after this ordeal with this particular bank I do not see myself going back ever again for anything, this bank has wasted numerous hours of my time chasing them on the money due to lack of communication, follow up, and lying to me about working on this issue diligently.
I work in customer service myself so i know how important it is to treat customers with upmost respect, but unfortunately this bank showed me none.
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| 01/12/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was picking up a cashiers check at the Regions Bank located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX. XXXX XXXX was helping me and she mentioned to me that they were running a special if I re-did my home equity line of credit that I currently have with Regions. She said they would waive all of the closing costs and the rate would lower and they would have a 6 month promotional rate. She followed up with me on XX/XX/XXXX and I then sent her my application over email sometimes in the next two weeks. Everything was very confusing and she told me that she would payoff what I owed on my current HELOC of $ XXXX and increase my line of credit from $ XXXX to $ XXXX. This all sounded good to me. I then received several emails from her over the next several weeks asking me for pay stubs, w-2 's tax returns, homeowners insurance information, bank statements, all of which I responded to and sent her via email when she requested. I was out of town last week and someone texted me and told me that they were coming out to do an appraisal. XXXX didn't tell me anything about this, but that was fine, and he came out and did it. I had not heard anything from her in several days so I decided to follow back with her after receiving a letter in the mail while I was out of town about a counter offer. This counter offer was dated XX/XX/XXXX, but it came in the mail between XXXX. So that was confusing as well, because in an email dated XX/XX/2021 in response to my inquiry about the counter/denial letter, she said..
Hi XXXX, I spoke to your underwriter yesterday. From what I can gather, things are running slow because of the holidays. As it looks right now I am waiting on a few items to be completed from underwriting. All documents that I have submitted have been approved. I will contact you with a closing date as soon as everything is ready to go. I appreciate your patience.
I responded that I had received a counter offer and what did that mean. She responded with : " What does the counter offer say? '' I had to take a picture of something that her company had sent me and send it to her so that she could know what it said. I found this very concerning and red flags began to go up.
Apparently once she read the counter offer I found out later that she called the underwriter who told her that the way that she had it set up was not possible. Everything about my application improved once I sent in documentation to her. The appraisal was higher which made the LTV and CLTV lower than the 80 % CLTV that she had been promoting.
Long story short they can't do anything for me because she said she was unaware of a Regions guideline that capped CLTV 's over a certain loan amount. This feels like a real bait and switch situation to me. She was promoting this great deal of a 6 month teaser rate, and then no annual fee, but apparently that was never even a possibility. I can't find her NMLS number in her email signature, but I am assuming she is registered. She should have known what the max CLTV 's were for my loan amount at very beginning before promising something that she could not deliver on. This is beyond unacceptable.
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| 07/18/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I bank with Regions, and recently, my debit card was somehow compromised. I think it may have been because of a skimmer, I just don't know where it would have been. On XX/XX/XXXX, I noticed multiple charges to my account that I did not make after checking my account balance because my debit card got declined. There was a cleared charge from XX/XX/XXXX from " XXXX XXXX '' in XXXX, IL for {$1.00}. XXXX XXXX seems to be a car wash vacuum from what I can tell, or something of that nature. There were also pending charges for XX/XX/XXXX from a XXXX XXXX store in XXXX, IL, as well as two charges to a XXXX 's store in XXXX, IL, and a water park called XXXX XXXX XXXX in XXXX XXXX, IN. I live in XXXX XXXX, IL, which is at least two hours away from the XXXX area that the cities of XXXX and XXXX are located in, and a similar distance from XXXX XXXX, IN. I live and work in XXXX XXXX, IL and have not been anywhere near these cities for quite some time ( and have actually never visited them even when I have been in that area ), so it would have been impossible for me to make these charges myself. When I noticed the charges, I immediately left work and went to my local Regions branch to see what I could do. I was told to wait until the pending charges cleared and to come back when that happened to file a claim against the charges for fraud. They did cancel and destroy my debit card at that time. The charges did not clear until I believe XX/XX/XXXX, and I was unable to get back to the branch until XX/XX/XXXX. On XX/XX/XXXX, I went into the branch and made the claim. I tried to also order a new debit card but because the charges had cleared out my account, my account was noted with a " soft close '' and was told I had to wait until my account was funded again to order a new debit card. I got paid via direct deposit on XX/XX/XXXX, and attempted again to order a new card, but was told my pay was still pending and the account would not show as opened again until it cleared. On XX/XX/XXXX I went back and the pay had cleared and my account was opened, so they ordered a new card. On XX/XX/XXXX, I received a letter from Regions detailing the charges I filed a claim against and that they would not be refunding me for the charges. Under each charge, the reason was, " Transaction verified with your card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. '' I find this completely unacceptable, especially given my transaction history shows charges that I was, in fact, making myself in my home area when the fraudulent charges were also being made. On my statement, I've highlighted the fraudulent charges. On the statement, the XXXX XXXX charge ( {$1.00}, XXXX, IL ) is posted for XXXX. The XXXX XXXX charge ( {$23.00}, XXXX, IL ), the two XXXX 's charges ( {$21.00} and {$8.00}, XXXX, IL ), and the XXXX XXXX XXXX charge ( {$36.00}, XXXX XXXX, IN ) are posted for XXXX. On the letter I received from Regions, the XXXX XXXX charge is listed as XXXX, the XXXX XXXX XXXX and XXXX 's charges are listed as XXXX, and the XXXX XXXX charge is listed as XXXX. I will try to attach that was well if I am able.
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| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Regions sent me a mail piece offer to earn a {$400.00} bonus for opening, enrolling in online banking and funding a XXXX checking account with {$1000.00} in new deposits within 30 days of opening the account. On XX/XX/XXXX, as instructed by the mail piece, I registered by scanning the XXXX code that was provided in the instructions ; I opened a personal XXXX checking account ; I enrolled in online banking ; and I transferred {$1500.00} to the new account from my XXXX checking account the funds were posted to the account on XX/XX/XXXX ( and remain there today ). I received emails from Regions on XX/XX/XXXX confirming the account was open and funded and welcoming me to Regions online banking. Ive attached copies of the mail piece I received and copies of the emails to this complaint. I opened the personal XXXX checking account well before the XX/XX/XXXX deadline listed in the mail piece.
I contacted Regions customer service by phone on XX/XX/XXXX to inquire about the {$400.00} bonus and when it would be credited to the account. I spoke with XXXX who indicated that Regions did not show that I had registered with the personal code and referred me to the local branch since there was nothing he could do. I went to the local branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX the following day and spoke with XXXX XXXX and explained my situation. He looked at my account and could see that I had completed steps 2 & 3 in the mail piece but step 1 was highlighted as incomplete. I told him I scanned the XXXX code and assumed the personal code was embedded since I wasnt prompted to enter it at any time. He indicated there was nothing he could do but submitted a ticket to the back office to investigate. I followed up with XXXX on XX/XX/XXXX and he had not heard back from his ticket. I received a call from XXXX a day or two later and he told me that unless I had some proof showing I had entered the personal code that Regions would not honor the offer. I asked him to escalate this issue which he agreed to do. I received a call from XXXX several days later and he again responded that Regions would not honor the offer. I requested he send me copies of the responses he received but as of XX/XX/XXXX I have not received that information. I left XXXX a message on XX/XX/XXXX to call me so I can request the information again.
I complied with the offer requirements by 1 ) scanning the XXXX code, 2 ) opening a personal XXXX checking account by XX/XX/XXXX ; enrolling in online banking within 30 days of opening the account, and 3 ) funding the account with {$1000.00} in new deposits within 30 days of opening the account. Regions has placed the burden of proof on the consumer for knowing the personal code was entered and recognized by their system but has yet to acknowledge that they may have had a system or process failure. Since my account was flagged that the personal code had not been entered in XXXX system its obvious to me that Regions knew I had received the mail piece and could have generated an alert to me to that part of the process was not complete but I was never contacted by Regions.
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| 11/03/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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More details of the event included in the police statement I submitted which is attached and happening in the early hours of XX/XX/XXXX. In short, met a random person on a trip in XXXX, had drinks, etc., ultimately the person asks to go to my hotel room, I oblige. Sometime afterwards, I mention the sun coming up and needing at least 2 hours of sleep, the person asked if they could use my phone to get an uber. I open my phone, XXXX it their direction as I use the restroom, they are still on the phone as I come out - kisses/goodbyes and I go to sleep. Upon waking up, I notice a XXXX charge to XXXX and XXXX to cashapp. Both companies as well as my bank, Regions, were communicated with that day as I asked for them to freeze/stop the transaction and informed all parties it was unauthorized. XXXX agreed with my claims. I spoke with someone at Regions ( I believe it was the fraud department ) that said I could not stop or dispute the claim until it goes from pending to processed but that this should be an easy claim given the details of the situation. I then disputed the claim as soon as I was able to, I believe on XX/XX/XXXX. Believing it was XXXX ' I left it at that until there was a Reg E Reversal posted to my Regions account on XX/XX/XXXX. Upon reviewing my mail I did recieve a letter from them dated XX/XX/XXXX but had no further letter or communication received at the time of the charge on XX/XX/XXXX from Regions. The only communication I had from cashapp was informing me I had to request the XXXX to send me the money back, which they of course did not. I have had a lot of interaction with both Regions and XXXX since the charge was posted on XX/XX/XXXX and believe at this moment my rights under 12 CFR part 1005, 1005.6 ( b ), have been infringed upon.
Initially phone communication was all I had with Regions. To be XXXX, I'm not sure who's at fault, but I believe Regions should have either held me liable for only {$50.00}, if not {$500.00} for this unauthorized transaction. I am under the understanding that because XXXX submitted a document confirming my phone was used, that Regions ruled in their favor and I have been told I have no recourse other than with the merchant ( cashapp ) because I did not submit anything to Regions. I was never told I needed to and didn't even see the letter saying I could until the reversal hit ... nobody contacted me by phone or email to investigate ( prior to XX/XX/XXXX, but that was more to tell me that it's my/cashapps problem, though I did get them to finally provide me the documentation cashapp sent )... I am a public servant and really been adversely affected by this and their ( Regions/Cashapp ) lack of action and communication. I respect the gov't and their workers but I already created a complaint against XXXX, as you will see, as I don't fully understand this process. I hope this doesn't waste more of your time, you have my permission to lump them together or close it if it lacks merit. I have spoke with 6 different individuals with Regions in the last 3 days and none of them have wanted to speak about 12 CFR part 1005.6 ( b ) in detail.
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| 10/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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Regarding : Regions Bank and XXXX XXXX XXXX Home LoansTo whom it may Concern ; We first listed our home at the previous address listed above in XXXX of XXXX. We had it listed with XXXX XXXX 's for over a year at multiple different prices and we unable to sell it. We then tried " For Sale by Owner '' and their broker, XXXX XXXX 's ; again at multiple different prices and again to no prevail we were unable to sell it.
We then listed our home with XXXX XXXX and had it listed for a " short sale ''. Originally we listed our home for {$370000.00} back in XXXX of XXXX ... .over the years we had continued to lower the price to {$210000.00}, well below what we owed on our combined mortgages with the XXXX banks of Regions and XXXX XXXX. ( We continued to lower the price XXXX % every two weeks until we got an offer that we can submit to the Banks. ) To give you some history on why we were trying to sell our home. We moved to XXXX XXXX, ( between XXXX XXXX and XXXX ) in XXXX of XXXX. This move was based on the company I was working for at the time decided to relocate their corporate offices to XXXX XXXX. This timing happened to be at the peak of the housing market when price were inflated. I later changed jobs and with the new company I have had to work from home and travel since our company was based in XXXX. This new company wanted me to relocate to XXXX but we were unable to because we were n't able to sell our home. During XX/XX/XXXX my company decided to sell and I would be losing my job. This finally happened in XXXX of XXXX and I became unemployed. Our monthly bills went up due to the cost of living in XXXX and with unemployment rates high and jobs hard to find in XXXX I started looking for a job anywhere. I got lucky and found a job in XXXX XXXX. Making well less than what I was making previously, but a job is a job in today 's world ... ..
We had tried everything possible to sell our home. I have talked to both the Banks ' Loss Mitigation Departments and they would not work with us until we were delinquent 90 days on our payments. Additionally they would not advise us on our repayment options ( since we were current on our payments and not past due ) or whether they will accept or deny any offer we may receive.
We talked to several Rental agencies in the area but our combined monthly mortgages are well over the average rental prices for the area.
In XX/XX/XXXX we were forced to relocate our family XXXX states away for a new job and had no option except to " short sale '' the property. We have left the home unoccupied as of XXXX XXXX to relocate.
Finally on XXXX/XXXX/XXXX the home sold. Attached are the final HUD-1 statements that both Regions Bank and XXXX XXXX XXXX agreed to. Also attached are the Court orders dated XXXX/XXXX/XXXX from the Circuit Court for XXXX County, XXXX, stating the Banks voluntarily dismissed their Foreclosure process.
Based on this evidence that home was Sold and did not go into Foreclosure we request that our Credit Reports, Score and standing be updated to reflect this.
Thank you for your time in the matter ....
XXXX and XXXX XXXX
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| 04/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I have been a customer at Regions Bank for at least 3 years. I have paid off several loans and kept a high balance for many years with them. However, I have been repeatedly denied credit. My score has never improved after I paid off loans from them and yet they used my credit score to deny me credit on several occasions the last time was XX/XX/2023, on approximately the XXXX. At that time they said they checked XXXX and that my score was too low to approve me. That is incorrect. My XXXX score at that time was XXXX. I am being denied credit illegally, forcing me to have a lower credit score than I have earned, causing me severe emotional stress, family distress and unnecessary hardship. They have consistently violated my access to credit and cause my credit score to be lowered even further when they run my credit and refuse me access to funding. This is clearly discrimination and according to your organization, the Consumer Financial Protection Bureau, denying me credit is discrimination. Under 12 CFR 202.4-Discrimination A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.
The definition of discriminate according to CFPB : Discriminate against an applicant means to treat an applicant less favorably than other applicants.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 US.C 1692k. I have worked for years to raise my score and now that it is a XXXX according to XXXX, I am still being unlawfully denied credit.
According to 15 USC 1681b Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
This was not provided to me.
In section 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; I have repeatedly repaid loans both secured and unsecured on time, and have a credit score that is considered good. In no other ways have I been found to be a credit risk, except under discrimination. My reputation has been damaged and harm has been caused to me and my family. I also reviewed the list of creditors who pulled my file from XXXX and at no time does Regions bank show up as pulling my credit report from XXXX in XX/XX/2023. So they are not only unlawfully denying me credit but using data from an unknown source to claim I am not creditworthy.
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| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Tuesday, XX/XX/XXXX, at XXXX, I received a call that my card had been compromised. The young man on the phone verified with me that he was with Regions by sending me a 6 digit code to my text messages. While on the call he stated he would close my card. He then said there is suspicious activity in my banking mobile app and that he would close that as well for further investigation. While on the phone I began to get thousands of spam email and I checked my account on my mobile banking app and all of my money was still there. When our call dropped, I called XXXX who let me know I was being " spam bombed '' to distract me from what hackers could be doing. Regions called back and He told me I could go to my nearest Regions to pick up my new card. I could not go to the bank on Wednesday so I went on Thursday, that is where I discovered hackers changed my username, password, and phone number to where I could not be alerted as to what they were doing and I could not see it because of all of the spam mail coming through. While on the phone with Regions, hackers moved {$4000.00} out of my savings, into my checkings and spent it all. At the very moment, the Regions desk agent, XXXX, assisted me with filing a claim and disputing the charges as none of the charges were me and they all were repetitive, signifying that they were indeed fraudulent. At that very moment XXXX assisted me with opening a new Checkings and Savings account but left the old one open until my dispute went through so all of my funds could go back but no funds could be taken out. She also discovered the agent over the phone on Tuesday only SUSPENDED my card and did not CLOSE my card. While on the phone with him, every transaction occurred. Had Regions closed my card and mobile banking app like they said, the hackers would not have gotten to my money. On Monday I received a call from Regions because I had put in a survey, they lady on the phone told me they denied my claims to my dispute for my {$4000.00}, I immediately went up to the branch in XXXX XXXX to talk to XXXX who assisted with me calling Fraud Claims Center. Because my case had been closed on Friday, XX/XX/XXXX, I had to reopen my claim. The lady on the phone told me my card had not been closed until Thursday XX/XX/XXXX which is when XXXX closed it. So why wasn't my card closed when the guy on Tuesday called about fraudulent charges?? The lady on the phone reopened my case and wrote down the information I had given her and let me know it would be 5-10 business days before I hear back with a decision. I asked if I could speak to the people who review the cases and she stated they do not speak to the public. I asked for a name and she said she couldn't give me one. All of my savings is gone and in less than 24 hours Regions didn't even thoroughly review THEIR MISTAKE which could have helped to avoid my money being stolen in the first place.
I have attached screengrabs of the time frame so you all can see I was literally on the phone with Regions WHILE my money was being stolen since my card was not closed and my account was still open.
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| 07/06/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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I added my soon to be wife to my checking account as an authorized user. Since at one point in the past she had an account with them under her maiden name they left her info as it was before. We advised the banker that her name was different due to a marriage, but she informed us that as long as the ss # was the same then she should have no problem having her check direct deposited in to our account. For about 5 to 6 weeks went by and we both received our checks with no problem. We both used our own personalized debit cards to make atm withdrawals as well as pos debits. Then around XX/XX/2021 my spouses debit card was cut off without notice nor consent from the card holder. She went to the local branch in XXXX Missouri and talk to a gentleman that advised her that she had to of cut it off which she did not. He also advised her that after it was all said and done neither me nor her would have an account there. It wasnt a week later that the same branch out of XXXX Missouri cut my card off without my presence nor my consent. I am a XXXX XXXX XXXX and during the pandemic it was hard to find jobs. Just so happens that the morning I found out that my atm card was shut off I was going to bid on a XXXX dollar job. But instead I had to go from XXXX branch to withdraw some money out of our joint account which I was told I could not have any and was turned away. And then I went to XXXX XXXX and then stayed on the phone with my main branch in XXXX XXXX Tennessee which informed me that what XXXX branch did to me was wrong. So she turned my atm card back on and filed the first formal complaint with regions. That same Friday both of our checks had been deposited and we went to withdraw our money and the branch manager told us there was a no post attached to our account due to my spouses last name being different. She told us wed have to wait ten days then they would mail us a check. Ten days is a long time to wait when you live from check to check through a pandemic. After three days we finally convinced or called so much that they told us we had an hour to come get our money. Ok now there was a XXXX dollar pending charge on our account so when we went to withdraw the money they gave us the XXXX dollars also which left our account in the negative which cant be closed out. While closing the account I was asked to sign a closing withdrawal slip, which I did and then proceeded to pass it to my spouse and the teller saidNo she doesnt need to sign it but we both knew better because both of our names where on the account so I asked for a copy of the withdraw slip which they were reluctant to give me. On paper it looked like we closed it on our own free will but in reality we were forced to close it with a balance of XXXX at the time of closing. While As the branch manager walk by she yelled out across the bank tell your unemployment not to send your check here cause Ill send it back. That was embarrassing to me and my spouse. I lost jobs because of this bank. I got 60 days behind on my truck note which dropped my credit score. Thanks for listening to my chain of events.
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| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2019 I called Regions Bank to file a merchant dispute for a double charge on my bank issued Visa debit card ending in XXXX. XXXX XXXX XXXX charged me {$390.00} twice on XX/XX/XXXX and XX/XX/XXXX when they should have only charged me {$390.00} once for security installation service. The customer service representative at Regions took my complaint over the phone and emailed me an affidavit with the details of the double charge by the merchant, which I promptly signed and faxed back to Regions Bank on XX/XX/2019 along with a copy of the itemized invoice. Approximately ten days after filing the merchant dispute I received a letter dated XX/XX/2019 in the mail from Regions denying my claim. Regions sent me what looked to be a standard form letter with very cryptic messages denying my claim such as passed fraud verification test, card credentials verified, no report of lost or stolen card. Well duh, I reported a merchant dispute and not a fraudulent transaction so why did Regions Bank send me a form letter dated XX/XX/2019 saying they reviewed the transaction and would not be crediting the missing {$390.00} back to my checking account with very cryptically written phrases about passing the fraud test and card credentials verified? The Regions letter went on to say that I could request the back-up documentation that was used to deny my claim. After receiving the Regions Bank letter denying my claim because the transaction passed the banks fraud test for a merchant dispute I called and told Regions that they committed gross negligence in reviewing my disputed transaction and were in violation of Regulation E and also in violation of Visas merchant dispute policies. When I called Regions after receiving the denial letter the representative rudely told me that the only way they could reopen the case was if I submitted additional documentation even though Regions Bank was the responsible party for mishandling their initial review of the merchant dispute. A few weeks later on XX/XX/2019 I faxed Regions a letter with another copy of the itemized invoice and the bank finally returned the missing {$390.00} back to my account on XX/XX/2019. However, it took more than a month from my filing of the initial dispute to have these funds returned to my account. I want a copy of the back-up documentation that Regions Bank used in initially denying my claim as they are required by law to provide to me upon request. I have repeatedly asked Regions to mail me a copy of the back-up documentation used in their initial denial of my claim and they have so far refused to send it to me. Besides being in violation of Regulation E Regions Bank needs to apologize to me for their grossly negligent and renegade behavior. My hope is that the appropriate regulatory authorities including the Federal Reserve and the CFPB force Regions Bank to completely revamp their merchant dispute policies so that they are no longer in violation of Regulation E. Regions Bank did not do their job in initially reviewing my claim and wanted me to do their job for them. This is simply inexcusable.
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| 05/31/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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In XX/XX/XXXX I signed up with XXXX XXXX with XXXX XXXX during that time I provided my XXXX XXXX XXXX XXXX number XXXX and I was informed by XXXX XXXX that my history will report every month to XXXX XXXX XXXX XXXX and informed me about my saving at the pump how I would get XXXX cents off at the pump at the pump and how I ca increase my credit line in so forth. Around XX/XX/XXXX XXXX XXXX contacted me asked me to make a big purchase on credit card because the company was doing some type of analyst and that I would want that to report on my credit report. I confirmed my XXXX XXXX XXXX XXXX number once again with XXXX XXXX and informed and couldnt make a purchase if I didnt need too. XX/XX/XXXX come around I find out my history has never been reported to XXXX XXXX XXXX XXXX. I contact the credit department XXXX they state it was nothing that they could do and to contact XXXX XXXX XXXX XXXX. I contact XXXX XXXX XXXX XXXX and they informed that the company can got back and report up to 12 months I informed the credit department of the information XXXX XXXX XXXX had just mad me aware of. They informed me that they will not go back and report it XXXX XXXX XXXX XXXX had to fix it the problem abut that will report from that day forward. I also contacted my rep XXXX XXXX. I asked XXXX XXXX what happened where was the ball dropped at, XXXX XXXX stated that my XXXX XXXX XXXX XXXX number was on file and it should have been reporting. XX/XX/XXXXI call XXXX XXXX back to inquiry about XX/XX/XXXX XXXX XXXX and to find out what was the extra charge I keep getting charged every month and it keeps going up and Im asking him to explain the bill. He states its a late charge and he hasnt heard anything back from the credit department as of this point and for me to contact them again and to contact customer service regarding my bill. XX/XX/XXXX, I contacted customer service again regarding the strange charge. Customer service finally informs me that the strange charge is an out of network fee and that every time I use another brand other then XXXX I have to pay {$2.00}. Im like wow I was never disclosed this information prior to signing up for the account or during my lifetime of the account until that day. I call XXXX XXXX immediately and asked him about the out of network fee and why did not inform me. XXXX XXXX states that he was not aware of the charge. I asked XXXX XXXX how is he selling a product you know nothing about then I went to inquiry about my XXXX XXXX XXXX XXXX XXXX and he had no answers. I gave XXXX XXXX more than enough time to resolve this issue. He has refused to response to my inquiry and refund me. XXXX XXXX has refuse me contact information of his superiors as well. Since XX/XX/XXXX I have been getting charged fXXXX XXXX in the amount of {$9.00}. On XXXX I received 2x charges for XXXX XXXX. XXXX XXXX refund {$110.00}. Out of network fee since XX/XX/XXXX in the amount of {$180.00}. Miscellaneous fee XXXX for XXXX. Total due back to me is {$310.00} and I would like company to go back and report to XXXX XXXX XXXX XXXX like I was promised 3x.
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| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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To Whom it may concern : Please update the subject credit file to reflect the courts status of the debt as indicated Discharged in Chapter XXXX Bankruptcy. The Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a due or open balance of " {$0.00} '' on all accounts in collection with you that are included in my bankruptcy case ( Case # XXXX ). Continued reporting of a due balance is the creditor grantors attempt to collect on this debt. Reporting of a balance other than XXXX shows my open credit being exceeded due to a balance being reported.
The inaccurate reporting of this balance is causing me distress. This has put me under duress, I am left with no other option of relief to either pay the balance due or file suit. My intent will be to file suit against all parties in the parish of XXXX. XXXX, Louisiana if this issue is not rectified. All attempts have failed in working with your company, XXXX, XXXX, and XXXX to correct the inaccurate reporting of information. Paying the balance open is against the bankruptcy courts order and relief granted under 11 U.S.C. 524.
To the extent that any of the discharged debt is reporting other than a XXXX balance, please consider this letter as my final dispute under the Fair Credit Reporting Act and your companies notice of negligence to the law and relief granted by the court. Consequently, I am requesting you to immediately report a XXXX balance and update XXXX, XXXX, and XXXX file with accurate information. The Federal Trade Commission has been clear regarding how a furnisher must report information relating to the balance due post-bankruptcy. The Federal Trade Commission Official Staff Commentary to FCRA section 607, item 6 states the following : Content of Report : A consumer report need not be tailored to the users needs. It may contain any information that is complete, accurate, and not obsolete on the consumer who is the subject of the report. A consumer report may include an account that was discharged in bankruptcy ( as well as the bankruptcy itself ), as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the debt.
The Federal Trade Commissions guidance remains the last word on this issue from the regulatory side and courts still regularly rely on it. See XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XX/XX/2015 ).
Page 1 of 2 Pursuant to the Fair Credit Reporting Act you are required to investigate this complaint and promptly notify me of the results of your investigation. I request that you conduct an official review of the information to all credit reporting bureaus. If for any reason you decline to conduct that review and make the necessary changes, I request that you promptly advise me so that I can take additional steps necessary to protect myself. Thank you for your prompt assistance with this matter.
___________________________________ Signed XXXX XXXX XXXX XXXX File : XXXX XXXX XXXX XXXX Re./ Regions CC : XXXX XXXX XXXX
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| 12/14/2015 |
Yes |
- Bank account or service
- Savings account
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Web |
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On Friday XXXX XXXX XXXX I deposited a XXXX check from XXXX XXXX in XXXX XXXX FL. The check was drawn on XXXX Bank which is also local. When the deposit was made through the drive through I was informed there would be a hold. I received an Notice of Hold for Savings Which will be attached. On said hold there is no explanation or reason for hold. After having deposited large sums before I felt something was wrong in regards to the full amount being held for XXXX days and to be made available on the fifth day. At no point was it mentioned why a hold was placed, I was instructed if I needed the funds available prior to the XXXX I needed to speak with the branch manager. On Monday on XXXX of XXXX I arrived at opening at the branch I went in to speak with branch manager and was informed XXXX XXXX was not available. I spoke with the XXXX whom I can not remember her name. At that point she attempted to tell me that the hold was placed due to the amount of the check and the fact I " only '' had XXXX dollars in my account. Just to preface these are not new accounts, I have had this account since XXXX and I have not had overdrafts. I requested in writing the reason for hold, and she told me that she was not able to provide that to me. I informed her that it was required for the financial institution to provide me with a explanation of hold ( whether or not it was because of amount of deposit, or an Exception hold ). She still insisted that the only document they were required to provide was the " notice of hold '' I already had. I left and called XXXX Banking and spoke with a XXXX XXXX over the phone and she did confirm that an explanation was warranted. According to XXXX XXXX she spoke with the branch and the head teller XXXX XXXX would have on written explanation available for me to pick up at the branch. I told XXXX XXXX I would be at the branch at noon. When I showed up at the branch I spoke with the same FSS and she said that XXXX XXXX could not provide me with that document since she was in the Drive through. I explained that I was promised the document and then was told to go to the drive through to get said document. after going through drive through I still did not receive an written explanation of hold. Lastly, according to Expedited Funds Availability Act Section XXXX XXXX b ) if the hold is place due to the size of the funds the first XXXX is to be treated as an general deposit, and the rest can be held up to 8 business days depending on the locality of the bank the funds where coming from. XXXX XXXX said that only applies to Cashiers Checks which is False. Also, if there is an Exemption Hold then the reason must be provided to the consumer in writing as well. I still have a hold for XXXX until the XXXX with no written explanation provided, and the verbal explanation of my account having only XXXX dollars still is not justifiable according to the Reg CC/ Expedited Funds Availability Act. Just as further explanation my online banking says the hold is till the XXXX however I was explained adamantly the date was going to be the XXXX.
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| 01/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Dear CFPB, A series of errors and disrespectful representatives has resulted in a loss of funds and a late fee for my rent.
It started with my Now Card which was compromised. I called and had the card closed and replaced. There were 3 fraudulent transactions on it. I later would find out that for some unknown reasons the three transactions were split and sent to 2 different reps. One fraudulent transaction was approved. The day I received the replacement Now card, I also received a letter saying 2 of the 3 transactions were not approved with the erroneous excuse being that my card was not compromised.
Later 2 reps, one a supervisor said themselves that was crazy and it should not have happened.
I called them back XX/XX/XXXX. The rep said it would be expedited and done by the next day.
I called back XX/XX/XXXX to learn he had lied and had not processed it. The rep that day said it would be rushed and finished by Tues XX/XX/XXXX. I had been expecting it by XX/XX/XXXX in order to avoid a late fee on my rent ; and believing them I was stuck in a bad situation.
On Thursday XX/XX/XXXX I called again. It had still not been done. I first spoke to a rep who sent me to a Solutions Dept. The supervisor there assured me it would be fixed this time and that it had already been approved after being on hold for 20 minutes and it would be back in my account within 2 hours. I called back about 3 hours later and spoke to another solutions dept rep. She informed me it had never been approved and that XXXX from before had lied. She then passed me to the department that is supposed to deal with card services. The card services rep did not want to get me to a supervisor and told me the manager was in a meeting. She assured me the manager would call me back that day. Come Friday XX/XX/XXXX I had not heard back.
Friday XX/XX/XXXX I called back. I was sent back to solutions and then card services. The card services rep did not want to help me. After putting me on hold saying she was going to get me to management she simply put me back in the cue which took me back to the main numbers again. The next rep then did not want to help me and hung up on me. I then called back the main line, asked for a supervisor. That supervisor claimed to be sending me back to Card Services. After a long hold I was disconnected again. I called back again and got to Card Solutions Dept. A woman with a sassy attitude said she would finally get to me to a manager. After 30 minutes on hold, she hung up on me.
I have still not received the refund of {$7.00} from the fraudulent XXXX transaction, {$30.00} from the fraudulent XXXX XXXX XXXX transaction and have lost {$50.00} in late fees due to the insane disrespect and refusal to get me to a manager or supervisor by the regions tech support staff. I demand that Regions pull the calls from XXXX in solutions and the card services dept with me, reimburse me for the 2 fraudulent transactions and compensate us with credit for the {$50.00} we lost only due to the games Regions shady phone reps were playing with us.
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| 06/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My wife, XXXX has a XXXX mortgage serviced by Regions Bank, dba Regions Mortgage (loan XXXX, property address XXXX AL XXXX). Regions Mortgage representatives (primarily the "Single Point of ContactXXXX but (all) others as well), have repeatedly misinformed my wife and I regarding possibilities for a loan modification. I have only learned yesterday, XX/XX/XXXX that our loan is not owned by Regions, but by XXXX. Yesterday, I called Regions Mortgage, and the extraordinarily unhelpful XXXX our "Single Point of Contact", was unavailable, and so I had the opportunity to discuss the overdue mortgage with another representative who repeatedly said the my wife did not qualify for loan modification because of the "Investor" requirements could not be met. As this representative repeatedly used the term "Investor", I finally demanded to know exactly who was the "Investor". It was only then that it was disclosed this loan was owned by XXXX. As this is actually a XXXX mortgage, my wife would have been potentially eligible for a loan modification with lowering of interest rate. To my knowledge prior to yesterday, we have never been informed of, or told to read the XXXX website, rather we have been instructed multiple times to research our options at XXXX "Know Your Options". We had dealt only with Regions, who we thought owned the mortgage, and who calls us regularly both by "robocalls" and actual people, so prior to yesterday, were not aware that our loan was owned by XXXX. This was never made clear to us in spite of multiple calls and letters from Regions. Regions obscured the fact that the loan was owned by XXXX, either purposefully in order to deceive, or by gross negligence, so we were unaware we could apply for a loan modification either in XX/XX/XXXX or anytime prior to this and thereby overpaid XXXX of dollars before going into default in XX/XX/XXXX. We have repeatedly asked Regions for a reduction in interest rate, and Regions has always maintained that my wife was ineligible as she has (1) no income, and (2) lack of equity as they maintained we needed to have an appraisal to establish that there was sufficient equity that was needed to be at some level before the loan could be modified. As we knew that the value of the properties in the local neighborhood declined greatly since our purchase, we knew that we had no equity and to pay for an appraisal was wasted money. What we did not know, and we were not informed of by Regions despite our repeated inquiries going back to at least XX/XX/XXXX, was that HARP loan modifications can be done for properties with no equity and in lieu of income, proof of and amount equal to XXXX months of mortgage payments is sufficient. I believe that Regions has been at best negligent and perhaps fraudulently misrepresenting themselves as the owner of this mortgage, and this deception directly prevented the application for loan modification under HARP. We intend to pursue this at all available levels, and any assistance you can provide will be appreciated. Thank you.
XXXX
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| 08/24/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
Servicemember |
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On the XXXX of XXXX my wife and I went into XXXX XXXX location which is located in XXXX XXXX Texas. The purpose was to add my wife on to the checking account and to open a joint savings account. We approach to teller name was XXXX XXXX and we informed her that we wanted to add my wife on to the account and opened a savings account. I have an account with regions I have been banking there for several years. She asked for my wife 's identification my wife produced a XXXX passport and a XXXX driver 's license which were current we were informed that my wife could not be added on to the account because she had to have a current United States identification. The law clearly states no matter what country you from as long as you have two forms of ID that are current you can open a bank account in America we were denied that service. Secondly I wanted I wanted to open a savings account I had a check for {$13000.00} I wanted to put {$3000.00} into the checking and open the savings with XXXX teller XXXX XXXX denied me the service XXXX XXXX informed me I did not have matching funds in my account therefore she could not accept the check after some disagreement she told me I could take my business elsewhere gave me my ID and my check back my wife and I left. When I complain to the manager will about the situation he really act like he didn't care and he was really nonchalant about the whole thing when I finally heard from him the only thing he really was concerned about was he couldn't give me information on what kind of action they took against the employee she kept her job no action. So we went to a branch off of XXXX XXXX XXXX and we requested the same services at that branch. And all the services that XXXX XXXX denied us at the XXXX XXXX location in XXXX XXXX Texas, we were given at the XXXX XXXX location wow really. So on XX/XX/XXXX I go to the bank to close out my savings account because I can no longer do business with regions. So I go in to close out my account I go back to the same teller who still working and put my request in the close out of my savings account. Her response was I have to check and see if we have that amount in the bank She returned and said that they had the amount but it would be in different denominations no problem as long as it's in cash. So they bring me these XXXX stacks of cash out set them on the tellers counter slide them across to me tell me to have a good day. Mind you this is {$10000.00} you giving a customer and you're not even going to count after some disagreement the manager on duty went to the back got a counting machine and counted the money for me. But I shouldn't have to request that you count my money especially {$10000.00} you going to give a customer {$10000.00} and not even count it banking practices with clients of XXXX need to be investigated at this regions because I'm sure I'm not the only one that this has happened. I was denied service because I was married to a XXXX XXXX and my wife was denied service because she is married to a XXXX XXXX we are at XXXX couple.
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| 01/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Regions Bank account # XXXX. I received a notice from Regions bank stating that this account was pas due. I knew I didn't have an open account with Regions so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from Regions. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called Regions and they told me that I had a Streamline account and that the yearly fee had been assesed. I informed Regions that I no longer had a Streamline account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with Regions anymore so I asked her how was it possible to have a fee assessed on a closed account. This streamline account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. Regions closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with Regions since XX/XX/XXXX. The person I spoke with at Regions bank on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from Regions ok, clearly this was a mistake on REgions part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the Regions account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by Regions is not fair and then the Regions rep acted as if she didn't care. I have disputed this with XXXX and XXXX and it's not on XXXX and the account is as it should be on XXXX ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as Regions closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX
|
| 06/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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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.
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Statement of Events : On Thursday, XXXX XXXX at approximately XXXX to XXXX I received XXXX phone calls from the following number XXXX. As this number was not in my phone contacts, I did not answer.
After becoming concern about who the number was, I re-dialed the number and it was answered by Regions Bank Fraud Department. After hanging up the call, the same number ( XXXX ) called back again. This time I answered the phone call. The male voice on the line identified himself as a representative of Regions Bank Fraud Department. He said he was calling me about suspicious activity on my Regions accounts. He proceeded to ask me about 2 charges on my account, stating that 1 charge was made through XXXX. I told him they were not made by me and that I didnt know what XXXX was.
He continued to explain to me about XXXX and told me to hold on the line while he put a block on my Regions account and the XXXX account. When he came back on the line he asked me to check my phone for a text message and give him the text message code so he could block the XXXX account and I did. He said he had taken care of the problem and that I would receive an email from Regions to change my username and password.
After several hours of checking my email, I decided to log-in to my online Regions Banking account. This is when I realized that the money in my savings account had been transferred to my checking account and 2 XXXX transactions were pending. The amount transferred from savings was {$590.00}, the first XXXX transaction was for the amount of {$900.00} and the second for the amount of {$550.00}. Leaving me with a balance of {$3.00}.
As I did not authorize these transactions, I immediately called the Regions Banking Fraud Department. I spoke with a lady and explained the call I had received earlier that same day. After she investigated my account, she explained that I had been scammed by the person on the phone. She proceeds to lock my account and advised me to go to my local branch office the next morning to dispute the fraudulent charges on my account.
On Friday, XX/XX/2021 I went to the local Regions Bank branch in XXXX, TN. The teller advised me to go to the Regions XXXX Branch in XXXX, TN were they could automatically issue me a new Regions Bank card. After spending several hours in the XXXX Regions Branch office my account is still locked and under investigation and I have no money.
After filling a dispute of the transactions with Regions Banks, filling a claim, filling a police report, filling a report with the Federal Trade Commission, keeping in contact with XXXX XXXX, Financial Relationship Sr. Consultant at Regions through email, phone calls and text, closing all accounts, opening new accounts, ordering new checks and debit cards and going for 10 days with NO way to access cash or pay bills it is now XXXX the XXXX and I have never received a phone call, email or my almost {$1500.00} that was fraudulently stole from my account.
I need help and results as soon as possible, please.
XXXX XXXX
|
| 03/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I am writing to report a bait-and-switch complaint against EnerBank USA. Last fall, I had my pitched roof replaced by XXXX, and they referred me to EnerBank USA for a no-payment, no-interest loan to underwrite the home improvement project. I used a no-payment, no-interest loan to pay for window replacements by XXXX so I am very familiar with how these loans work. There is a period ( in this case one year ) during which payments are not required and the loan does not accrue interest. As long as the balance is paid in full before the end of the promotional period, you pay no interest.
My XXXX payment, XXXX interest period with EnerBank USA expires XXXX XXXX, XXXX.
Even though payments were not required, I made two payments of {$940.00}. My XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX statements from EnerBank USA shows these payments and labels them overpayment credit adjustment. These statements correctly show my regular monthly payment as XXXX because I am still in the XXXX payment, XXXX interest period of this home improvement loan.
On XXXX XXXX, XXXX, I received yet another statement and it showed a {$940.00} postpayment reversal on XXXX XXXX ; an advance of {$10000.00} on XXXX XXXX, a {$940.00} post payment on XXXX XXXX and a second a {$940.00} post payment on XXXX XXXX. For the first time, the statement required a monthly payment of {$200.00}.
I called EnerBank USA to complain, and they said these were the terms I signed in XX/XX/XXXX when the loan began. These are not the terms I signed. I agreed to a XXXX payment, XXXX interest period with EnerBank USA for a loan I will pay off in full before this promotional period expires on XXXX XXXX, XXXX.
My second complaint relates to how EnerBank is now crediting my payments. My statement dated XXXX XXXX, XXXX shows my {$200.00} payment, but {$91.00} of it is applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA XXXX XXXX XXXX, XXXX. This is significant because after that date, this loan is subject to 19.99 % interest. My statement dated XXXX XXXX, XXXX shows and overpayment credit adjustment of {$2800.00} ; that entire amount was deducted from my principal balance. My XXXX XXXX XXXX monthly payment, however, is marked a post payment and {$140.00} of the {$210.00} payment was applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA expires XXXX XXXX, XXXX. My most recent statement, dated XXXX XXXX, XXXX shows my XXXX XXXX, XXXX monthly payment as a post payment and {$110.00} of the {$210.00} payment was applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA XXXX XXXX XXXX, XXXX.
I believe EnerBank switched me to a different loan product without my knowledge or consent. I am fortunate to have accrued roughly XXXX XXXX in equity in my home. There is ZERO chance I would knowingly sign up for a predatory home improvement loan at 20 % interest when I could have just as easily gotten a home equity loan for a single digit interest rate.
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| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the negative account balance on my account with Regions Bank, which has been a direct result of a scam I fell victim to involving the crypto company, XXXX. I believe that the circumstances surrounding this unfortunate incident warrant a thorough investigation and resolution.
I have been a loyal customer of Regions Bank for [ number of years ], and I have always valued the professionalism and reliability of your services. However, the recent events involving XXXX have severely affected my financial well-being and have had a direct impact on my small business operations.
Firstly, for your reference, I have attached relevant documentation, including news articles and legal filings, which highlight the fact that XXXX has been sued by the United States Secretary. These legal actions demonstrate the fraudulent nature of XXXX 's operations, and as a result, I have not only lost a significant amount of money, but my account balance has also been driven into a negative status.
The negative balance has had devastating consequences for my small business. It has impeded my ability to meet crucial financial obligations, such as paying suppliers and employees. Furthermore, the financial hardship caused by this situation has even impacted my personal life, as my beloved grandmother recently passed away, and I am unable to afford the necessary expenses to attend her funeral. This has caused immense emotional distress and hardship for me and my family during an already difficult time.
I kindly request the following actions to be taken in order to resolve this matter : 1. Conduct a detailed investigation into the fraudulent activities of XXXX, and acknowledge the impact it has had on my account balance.
2. Waive any associated fees or penalties resulting from the negative balance caused by the scam.
3. Provide immediate reimbursement of the funds lost due to the scam, allowing me to restore my account balance to its original state.
4. Consider providing necessary financial assistance or a temporary extension of credit to help alleviate the strain on my small business during this challenging period.
I understand that Regions Bank takes the security and satisfaction of its customers seriously, and I trust that you will thoroughly investigate this matter. I have complete faith in your ability to rectify this unfortunate situation promptly and amicably.
I kindly request a timely response within 2 days to ensure that I can make necessary arrangements for my grandmother 's funeral and begin restoring stability to my small business. In the event that a resolution is not achieved at this level, I will be forced to explore alternative options to protect my rights and seek the assistance of regulatory authorities.
Thank you for your prompt attention to this matter. I look forward to a positive resolution and the restoration of my trust in Regions Bank.
Yours sincerely, XXXX XXXX XXXX XXXX
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| 06/24/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I opened a checking account with Regions bank in XXXX, TN on XX/XX/XXXX for my mother 's Medicaid Qualified Income Trust, as required by the state of Tennessee. I provided the legal documents establishing the trust, again, as required by the state.
Late on the afternoon of XX/XX/XXXX I received a phone call from the Regions employee that processed my new account paperwork and was told that " we can't open this account per our legal department ... if we make an error and charge a monthly fee we could cause the customer to lose their Medicaid benefits. We don't want that risk. '' I asked for more clarification, and was told I could come into the bank to discuss it.
I met with the branch manager on XX/XX/XXXX who told me exactly what I had been told the day prior. I expressed my concern that the trust documentation in Article IV Section F clearly authorized the bank to collect a service charge for the administration of the account. I also pointed out that I, as Trustee, was the liable party for any errors. The branch manager maintained that their position had not changed, they would not open the account, and that the bank had NOT been opening Medicaid Qualified Income Trusts since XXXX. I expressed my concern that this policy discriminated against people receiving public assistance and that I wished to speak to someone in the legal department who could explain the rationale for this policy to me. The branch manager offered to file a complaint on my behalf, and I agreed.
On XX/XX/XXXX I had heard nothing from Regions about the complaint that was filed and called the branch manager to follow up.
On XX/XX/XXXX I received a call from a customer service liaison from Regions corporate who relayed to me the exact information I was given on XX/XX/XXXX and XXXX. When I pressed for more information regarding 1 ) how Regions Corporate could deny to open an account that was required by the state of Tennessee, and 2 ) how Region 's policy was not discriminatory to people on public assistance. I was told that I could not speak to the legal department, but that contact would be made with legal again with a note for them to contact me. I was informed that Regions would not open the checking account for the Medicaid Qualified Income Trust. As of this writing ( XX/XX/XXXX ) I have heard nothing from Regions.
Regions Bank 's reason for not opening this account was that the potential for error if they charged an account fee was a risk they were not willing to take. This is at best a flimsy excuse, mainly because other banks in this area not only DO open Medicaid Qualified Income Trust accounts but they ALSO charge account fees for them. My feeling is that this policy discriminates against people who are eligible for public assistance, a fragile and vulnerable set of people who quite frankly don't deserve this treatment.
I have asked Regions repeatedly to explain to me how their policy is not discriminatory and to date NO ONE HAS PROVIDED AN EXPLANATION.
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| 12/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
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On XX/XX/XXXX my spouse saw an ad online about XXXX XXXX XXXX, pay S & H of {$4.00} for a 14-day trial. I received the cream on XX/XX/XXXX and used it for 2 of the 3 days remaining that I had left on their " trial ''. I had to stop because it was XXXX XXXX XXXX and turning my XXXX XXXX. I tried several of the phone numbers that I was able to locate ( XXXX, XXXX, XXXX, and XXXX. ) in order to cancel the membership but no one I spoke with could locate my account. OnXX/XX/XXXX I checked my bank balance and found a charge of {$89.00} made by " XXXX '', for which I did not authorize to do. XXXX is the only one I authorized to take the {$4.00} for S & H only. The {$89.00} was for membership which was located in their Terms and Conditions link in the very tiny small print way down the bottom of the ad page where most people would not notice it. XXXX changes the Terms and Conditions at any time and without notice. I saved a copy of two of them. Nowhere could I find " XXXX '' or that the membership would be made by them and not XXXX. I tried calling XXXX again but got the same result ... no account in my name. I called my bankcard company and cancelled the card. The bank rep told me that the {$89.00} was in " pending '' and had not cleared the bank yet, and that by Wednesday ( XX/XX/XXXX) that amount would be removed from my bank card withdrawals. On Wednesday the amount was still there and this time it had cleared the bank. I called my bank, Regions and complained. I had cancelled the card on XX/XX/XXXX but on XX/XX/XXXX the {$89.00} cleared the bank in error. I was sent an Affidavit to sign and mail back to the bank. A few days later after not hearing from the bank, I emailed them to see how far along they were in settling my dispute. The email reply from the bank was that it had already been settled unsuccessfully and that a letter was sent to me about it. To date I have not received that letter. I emailed XXXX ( XXXXXXXXXXXX ) to cancel my account if one was found, but instead of cancelling it they created a new one and sent me an email to that effect ( from XXXX XXXX XXXX this time ). I told them they had made a mistake and to cancel the new one and any other ones they might have in my name. I 'm waiting their reply, if there is one. On doing research I have found many discrepancies with XXXX ... an F rating and a score of 1.06 out of 5 stars with the BBB, XXXX report, reports and complaints of XXXX being a scam, and many websites with many angry consumers who have had at least {$89.00} or an amount similar taken from their bank account or credit card unknowingly. I 'm really disappointed in my bank for allowing a charge to clear two days after the card was cancelled, and the scam that XXXX has tried to pull over me and many, many others. Note : XXXX does not issue you any receipts, etc. I would be perfectly happy to get my {$89.00} returned to me and XXXX put out of business so that they can not get away with being deceitful or hurt anyone else.
|
| 10/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
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I recently moved within XXXX and received forwarded mail from my old address that included a bank statement for an account I neither applied for nor authorized.
The bank is Regions Bank, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The bank statement covered the cycle from XX/XX/2021 through XX/XX/2021. The statement identifies the account as " Lifegreen Checking For Students '', with an Account # XXXX.
It has a beginning balance of - {$4.00}, Deposits & Credits {$4.00}, and an Ending Balance {$0.00}.
I contacted the Bank Customer Service department and spoke with " XXXX '', who after a lengthy conversation, was able to verify that indeed an account was created under my name with the account number per the Statement. Further she agreed to close the account but could not provide any other information. She then transferred me to the Bank Fraud Department and I spoke with " XXXX ''.
XXXX was unpleasant, not at all helpful, threatened to disconnect me, and insisted that what I had been told by Customer Service was not only incorrect but that in order for me to close the account, I had to submit an affidavit to the nearest Bank Branch. That branch is XXXX miles away in XXXX.
Next, I called the Regions Bank in XXXX and asked for the Bank Manager. The man who answered my call identified himself as the Manager. His name is XXXX XXXX XXXX.
I explained the situation to XXXX who asked questions and agreed the account should be closed but went on to indicate several surprising and alarming things.
First, he was aware of a high volume of fraudulent account opening activities like the one which affected me, that have been ongoing over " the past several months ''.
Second, the Bank was not only aware of this fraudulent activity but had acted to close the accounts including my fraudulent account. The four dollars in and out of the account was what the Manager described as a " charge off ''. Furthermore, in order for me to clear my credit, he suggested I needed to complete an Affidavit which he later sent via email.
Third, the Manager indicated that to his knowledge and according to information he was given, these fraudulent accounts were created online.
I have several complaints : 1. The bank did not notify me of the fraud they were clearly aware of. I believe this to be a serious violation of my rights.
2. According to the bank employee, these fraudulent activities have been ongoing for months and they did nothing to stop my identity or credit from being compromised. Had they done so, the fraudulent activity should by now have been mitigated.
3. The bank should bear all responsibility for damages for fraud they were and are aware of, including the four dollars charge off, and any misreporting to the Credit Bureaus. The Bank is responsible to investigate and remove any and all incorrect information.
4. The Bank is by their process open to violations of the Anti Money Laundering regulations and needs to bear the consequences for any violations.
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I emailed XXXX XXXX on XXXX/XXXX/2017 about a late reporting on my credit bureau. She asked if I had filed a dispute and I told her that I had not, because I knew what the issue was. She emailed me on XXXX/XXXX/2017 asking for the details of my issue and she said that she would file the dispute with a member of her team. She stated that I would receive an answer to my response within 30 days. While waiting, I contacted XXXX in the collections department. I spoke with her on XXXX/XXXX/2017 about XXXX XXXX and asked her if she saw any XXXX day reporting on my file. She told me that she did not see any XXXX day late reporting. Before speaking with XXXX, I spoke with XXXX and she also told me the same thing. I received the answer to my dispute on XX/XX/XXXX and it stated that the decision was to leave my credit report unchanged and that the information was correct. I tried calling XXXX and she didnt answer, so I emailed her onXX/XX/XXXX about the letter that I received. She contacted me on XX/XX/XXXX at XXXX and informed me that the dispute was closed. I proceeded to explain to her again that I was not late. She then told me that she would have to forward my dispute to the complaints department. In less than hours after speaking with XXXX, I received a call from XXXX XXXX at XXXX who apologized to me for the derogatory reporting and he told me that he would have it corrected. At this point, I thought that the matter would be taken care of. I requested my credit report around the beginning of XXXX and the late was still there. I called XXXX and he stated that the correction was sent in on XXXX/XXXX/2017 and that it could take 30 days before it would actually update. I asked XXXX to send me something in writing stating that I wasnt late, he obliged and the letter is attached. I again requested my credit report in XXXX and it showed the same reporting. I called and spoke with XXXX again and she informed me that the file was closed and she asked it I had gotten the letter. I told her that I had spoken with XXXX and that he emailed me a letter concerning the late reporting. I also told her that he said that he was correcting my credit file. She asked for a copy of the letter and she told me that she would have to verify it with XXXX. She also informed me that XXXX was unable to change the information without sending the request to her department. I asked if she would call me back that day after she discussed the issue with XXXX. She told me that she had a busy day and she was going to a meeting, but she said that she would call me back. She didnt call that day as promised, so I called and spoke with XXXX the next day on XX/XX/XXXX and she told me that XXXX had taken a vacation day, but she did read XXXX notes and XXXX said that she would forward my email to the complaints department again, but the late payment would not be changed. I received another letter dated XX/XX/XXXX again from XXXX XXXX in the collections department denying my dispute.
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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I received a mailer advertising a promotional offer when completing two different actions prior to XX/XX/23 : 1. open a XXXX checking account and receive direct deposits totaling {$1000.00} within the first 90 days ; once the terms of the code have been satisfied, the offer reads, the promotional bonus of {$400.00} will be deposited within 60 days.
2. open a Relationship CD of any term length with a minimum of {$25000.00} ; once the CD reaches maturity, the promotional bonus of {$350.00} will be deposited within 60 days.
The promotional mailer was sent to a nonexistent person at my address. The terms of the offer read : " One bonus offer is available to the addressee or a person in the addressee 's household. '' I enrolled my offer code on XX/XX/23, and opened the XXXX Checking Account the same day ( immediately after code enrollment ). I completed the requirements for the {$400.00} bonus on XX/XX/23.
I opened the Relationship CD ( 8-month term ) in branch on XX/XX/23. Since I have not met the terms of that promotion yet, it is not included in my complaint.
I called the main Regions customer service number on XX/XX/23 and was told at that time that, yes, the offer was attached to my account and I would receive the bonus ; the representative explained that it was a new offer and therefore would not show up in the bonus tracker that in-branch bankers have access to.
I'm also attaching a printout that XXXX at the XXXX XXXX branch in XXXX, GA, gave me that shows my offer code had already been enrolled, dated XX/XX/23. This is from a system that only bankers have access to, thus, I have not been able to access any information about the promotion on my own. The printout had my account number written on it, so I blacked it out, but everything else is correct.
The terms of the {$400.00} XXXX checking bonus say that it will be deposited into my account within 60 days of meeting the requirements, but we have now passed 60 days. I sent a secure message while logged in to my online account, and was told there was no offer attached to my account. Via secure message on XX/XX/23, I was told the representative, XXXX, had submitted a " ticket '' and that I would hear back within 5 business days. I have not had any communication from Regions in that time.
In addition, a banker at the XXXX XXXX branch, XXXX, created a ticket on XX/XX/23 with the same information I am supplying in this complaint. As of Friday, XX/XX/23, she told me she had not yet received a response.
I followed the terms of the bonus to the letter. I would not have opened this particular account without the enticement of a promotional bonus ; Regions is in violation of the law by denying me this bonus. I now have significant funds ( over {$25000.00} ) tied up in this bank because Regions promised a bonus.
The front and back of the mailer, including the bonus terms, are attached, as is the printout showing my offer code had been enrolled
|
| 05/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
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Soo Ive had an active, open account with regions for over 4 years now? Im not sure where too even begin but I guess Ill start in XX/XX/XXXX ; My wife and I started trying to XXXX! Of course a couple of loans were needed to make this happen but itll all most definitely be worth it right?!? Wrong! Regions has gotten AT LEAST 4 thousand dollars out of me in excessively abusing the over draft/ returned fees. Which in return has made me late on my rent x2 months, car note and so much more! I havent received 3/4 paychecks in the past month or so. Ive called numerous times trying to close my account due to SMALL subscriptions I couldnt figure out how to stop. There was probably a total of 6/7 employees telling me it was my fault, always on my end, never anything they could do to help. I HAD to have a XXXX balance and nothing pending.. got it, my account has literally NOT ONCE been at this point. So FOOLISH ME opens another account online with regions thinking it was just an account being neglected etc whatever ( about a month and half ago or so ). So I transferred both my wife and Is direct deposit to the new account, which is currently active and Now they have taken it upon themselves too start STEALING my entire paycheck and replacing it the other acct to bring it to balance.. which still hasnt freaking happened BTW. When I called to explain what was going on and beg and plead for advice or help ( TWO MONTHS LATE ON RENT NOW ) I was told that it was collections taking out for my old account and nothing could be done to help because it wasnt under theyre control. I asked if it was legal and was told that it was in the contract I signed to open my acct, I asked her why they didnt call me Simply because Ive been trying to get someone to stop this MONTHS AGO. It was the system well After not getting the last check ( XX/XX/19 ) I was supposed to get AGAIN due to being negative even though Im supposedly protected but at this point Im feeling freaking attacked. Well yesterday XX/XX/19 I took it upon myself to call and file a complaint, the man taking the complaint was very understanding and even mentioned a few discrepancies that didnt make sense. Especially one! I was told ACH payments COULD NOT be stopped or prevented by a woman employee 2 calls ago.. well this young fella ( praise the XXXX ) mentioned that she was wrong that I could simply pay a fee or something along those lines too prevent them from coming through.. so needless to say I feel robbed, I feel violated and CAN NOT trust my bank to protect my finances whatsoever. They are abusing their right and authority. Ive been considering getting a lawyer but figured Id do some research and found this website. This has happened before, theyve been sued for this! I hope you can get my voice heard! Please. Im working and living too pay a bank right now and losing everything in the process. Im a XXXX year old female just trying to survive here!
|
| 10/20/2023 |
Yes |
- Prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
|
|
I have been paid on a debit card issued through my employer since I started with the company. On approximately XX/XX/XXXX, I realized that I had lost my XXXX debit card ( owned by Comdata ) for her paycheck ending in XXXX and reported this to my boss. I received a new card ending in XXXX on approximately XX/XX/XXXX ( which is when the first charge to this account was made ). I was not made aware of any fraudulent activity and was under the impression that my previous card had been disconnected as it was lost.
Towards the end of XXXX, my card had declined on a couple of purchases I attempted to make. I initially assumed that this was the timing of my paycheck as well as some charges that I thought might have been to this card related to the XXXX XXXX of my dog.
I brought up issues with her card with my employer in XXXX. My boss began researching what had happened with her card and provided me with a list of transactions, as well as helped me with logging in to XXXX which I was never aware I needed to do previously. On XX/XX/XXXX, I was able to log in and dispute the charges made to the card ending in XXXX.
The total disputed from XX/XX/XXXX, through XX/XX/XXXX, XXXX, there are XXXX charges totaling {$18000.00} ; there is one credit of {$9.00} and XXXX fee charges for declined transactions amounting to {$91.00} that were caused due to unapproved activity on my account.
I was very surprised that this was never flagged or alerted to her as potentially fraudulent activity going on, or my card declined or any other action taken as in the approx. 11 months prior ( XX/XX/XXXX, XXXX XXXX, XXXX ), there was only XXXX transactions totaling {$10000.00}, of which {$4500.00} was spent on auto repairs and gas to go to work, {$4000.00} was spent on XXXX and other XXXX XXXX bills, and {$2300.00} was spent on grocery and other misc. charges. I had never had any spending pattern of some of the luxury stores that purchases were made from, made far fewer purchases than were being made in that time frame, and more was spent in a month than I had spent in a year.
Initially, when charges were disputed, a police report had not been filed, upon realizing the extent of the issues, I filed a police report on XX/XX/XXXX, to include the disputed transactions with the XXXX XXXX XXXX Police Department, event number XXXX From the period of XX/XX/XXXX through XX/XX/XXXX I had been in contact with a resolution specialist with Comdata. My initial disputes were declined, and they stated to provide additional proof. I provided a letter from my boss confirming that I had reported the card lost as well as the police statement. I was told these would be reviewed and I would be responded to. After the couple of months of following up with no response, I began looking for an attorney who could assist. This has not worked and eventually our legal clinic provided the information to make a complaint with the CFPB.
|
| 04/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
On Friday XX/XX/2020 My checking account had a positive balance of about XXXX or more. Then when I checked it at XXXX Saturday it showed negative $ XXXX Saturday XX/XX/XXXX I made a XXXX XXXX deposit and on Sunday XX/XX/XXXX Deposits in cash that were readily available that day for XXXX, and XXXX and at the beginning of Monday when the bank opened XX/XX/XXXX My account was in good standing. Regions did not pay these items so why is it they can charge me XXXX for 3 items when no money ever left my account. They say the items were returned.Returned? The bank had to do nothing. The bank did not send or handle any payments. They simply put those items in red and attached a XXXX XXXX fee to all 3.
They reorded the transactions and took the highest one being XXXX from my balance of XXXX XXXX or XXXX something and that started the overdraft, then they went and add the smaller ones to add 2 more fees bringing to XXXX.
If they would have used my balance to cover the 2 small items then i would have only 1 overdraft fee,. But greed seems to be the focus and 1 overdraft was not good enough they wanted all 3 so they took the largest debit first.
I called and spoke to the rudest supervisor ( the calls are recorded ) I explained to her that I am on a stay home order and have not been able to make my usual XXXX while im down to 2 days a week. My expenses for XXXX left me with XXXX after they were paid and my rent was now due for XXXX. So that left me with XXXX til I got more work, Luckily I was able to email my customers and they prepaid me for future work so I could pay my bils and have some extra to live on til I can get back to work full time. This is an order from the president and I have no choice. But the Supervisor did not care. {$100.00} will feed me3 and put gas in the car to get to any work that may come in.
This is what regions does and if you look on the FTCs website Regions has a 1 stqar rating but they don't care because they have billions in our money they take for NSF and overdraft fees. They are preditory in that they know who to take money from and they know they will get away with it. I want my money back.I need that money to live on. We may be on a stay at home order for a while and i will most likely have more NSF because of it. I did manage to get my pmts deferred for my auto loan and credit cards but regions wont let go of a chance to collect those profit NSF fees. This bank is a 1 star bank. and its because they treat the people who made them what they are like a piece of dirt,. They enjoy taking these fees and they laugh at us when we make thees complaints because they know they will win in the end.
I want this XXXX returned. I have a 90 % loss in income and cant get any help from sba. they have not paid us a dime. REGIONS DID NOT LOSE ANYTHING .THEY DID NOT PAY ANYTHING FOR ME ALL THEY DID WAS RE ORDER THE DEBITS TO MAKE ME GO NSF 3 TIMES.
|
| 12/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. Also the Practice of Charging overdrafts on pending charges. I had a positive balance in account as of XX/XX/2018, made several transactions from account. Checked balance on the online bankling which showed positive balance after those transactions. Made an ATM withdraw which put account into negative status and understandably incurred one overdraft fee. Had a direct Deposit that would cover the one ATM charge that should have posted at midnight. Checked account onXX/XX/18 to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee. This is the second time this has happened.
See conversation below for previous dates.
] > XXXX, Thank you for your response. My name is XXXX and I will be happy to assist you.
I apologize for any inconvenience that this matter may have caused you. When a purchase or withdrawal is made with a CheckCard, those funds are immediately held ( or " frozen '' ). Purchases made with a CheckCard have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending.
The balance in the account before posting on XX/XX/2018 was {$19.00}. There was 2 transaction pending ( holding ) for {$16.00} and a deposit of {$35.00}, which left an available balance of {$38.00} for us to pay the items posting to your account that night.
There were then 4 items presented for payment on the account totaling {$40.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay one of the items. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items.
I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice.
While we understand that your Online Banking, Mobile Banking, and alerts are wonderful tools that assist you with your financial needs, we are unable to guarantee the alerts or balances will be made and reflect in " real-time ''. This is due to a number of factors which can cause delays such as service provider or carrier outages, merchant/bank processing, inbox filters, etc. Because of this, the only way to know what the true available balance in your account is, is by keeping a written log of all transactions and deposits for each account.
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| 04/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have been trying to get my home refinanced with Regions Bank since XX/XX/XXXX and I continue to get the run around. I have provided them with all the information they asked for within 48 hours of asking but I still haven't gotten my home refinanced. hey continue to stall using all kinds of excused from COVID-19 to employees resigning but I still haven't gotten a loan. They are going into my bank statements, questioning my spending habits and asking why I am spending money on different things. I don't believe its any of their business how, when and why I spend my money and I believe that is a direct violation of my privacy. I also don't believe they do it to anyone else. I believe there is some discrimination going on here. I want to know and see if they do this to everyone that applies for a loan from them. I don't believe that they do. I have a hard money loan with a balloon payment that is way past due. Dealing with Regions bank has caused my incumbent lender XXXX XXXX XXXX to accelerate my note as of XX/XX/XXXX. They have put my house up for foreclosure and auction as of XX/XX/XXXX. Now I have Regions Bank asking for my mortgage history for the third time after I have already supplied it to them. They know my note has been accelerated and I am not allowed to make monthly payments as of XX/XX/XXXX. That means I got late payments now and they can withdraw my application. They are trying to force me to sign a document that would give XXXX my loan information. Then XXXX will publish that information with the credit bureaus and this will ruin my credit. I asked them several times will this get reported to the credit bureau 's and what is the ramifications of signing that document and they won't tell me. I gave them two different payoff docs from XXXX XXXX showing what my payoff is and they won't accept it. I have a loan with a hard money lender because I don't want that information on my credit report. I should not be forced to supply it to a third party vendor like XXXX. That is wrong and I believe it violates my rights. I wouldn't have any lates if they would have processed my loan in the 90 days that is customary. They are just looking for a reason to cancel the loan application. It is not my fault and all theirs and I want something done about it. I believe they have really crossed the line with discrimination when it comes to this application and the use of the Dodd Frank Act and I want something done about it. I would like for you to look into my issues and make them prove that they treat every borrower the way they have treated me. I find it hard to believe that they give everyone this complete run around and everyone has to wait 7 months or more to get their refinance loan processed. Especially, when Regions Bank already has a active HELOC in place on the home with me. By the way, I have never used the HELOC. Regards, XXXX XXXX
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| 01/21/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
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Web |
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XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, # XXXX ATM was used to check the card balance charging {$3.00} ATM fee. Then withdrew {$500.00}. Then another card balance charging another {$3.00} ATM fee. Then withdrew {$46.00}. Immediately called ComData ( XXXX XXXX payroll card provided to me by my former employer. ) I am located in XXXX XXXX and was home when I got the text alert at XXXX XXXX. I was on the phone and reached a live agent. I reported my card lost/stolen less than 10 minutes later to find out what was going on. I talked to XXXX who did not help me. I stayed on the phone for hours to reach someone. Kept getting hung up on. I spoke to a supervisor finally at XXXXXXXX XXXX. A replacement card was ordered but never came. I was assured that she would be on the case and that she would personally be reaching out and following up with a call to me. XXXX never did. In these incidents the card holder is required to report fraud w/in 30-60 days. They told me to call back after the transaction posted and that would take approximately 7 days XX/XX/XXXX. Which I did and they said that the fraud case had been submitted. Nothing else to report but be on the look out for an email from the fraud department which never came. I called on XX/XX/XXXX to check status of the case and not one agent or supervisor said they had any access to the case. I had to call again on XX/XX/XXXX to check on the replacement card which was re-requested and came a full month later on XX/XX/XXXX. which clearly was not the 7-10 business days that they had promised. Still again speaking to several agents and supervisors who never followed up with a call back as they promised. Called on the XXXX which was the XXXX day of the investigation which should have resolved but still no information to share. Called XX/XX/XXXX to be told that an email was sent of the resolution of the case on XX/XX/XXXX which were never rec 'd in any inbox, spam, trash, junk file in my email. Call disconnected no one called back. Called in next agent said that the email was sent on XX/XX/XXXX again nothing. Agents can only repeat that they have no access or direct contact to fraud department to be able to assist with continued resolution. Spoke to supervisor XXXX who took another email address and promised that she would follow up with a courtesy call back to make sure email is rec 'd. Also advised that we contact the fraud depart and provide them with proof that it wasn't me making these transactions. Why wouldn't a fraud agent contact me to do complete investigation and resolve. I've only taken cash from and ATM in XXXX. I mostly do POS transactions. I spent the holiday season waiting patiently for no resolution, no customer service, and Why does it take 28 days for a replacement debit card.. this has been the worst experience I have EVER experienced with a so called professional card company.
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On Wednesday, XX/XX/XXXX, I contacted the Regions Priority Customer Banking line and requested to file a complaint against Regions and their mobile deposit policies. I have both personal and business accounts with Regions. I am rarely allowed to perform a mobile deposit. Regions has daily and month mobile deposit limits, which I understand. What I do not understand is why Regions is counting both my personal and business deposits together into XXXX lump sum, and every time I attempt to make a mobile deposit I am told I have reached my limit.
I have made XXXX mobile deposit the entire month of XXXX. It was done on XXXX for {$6700.00} in my personal account. I have not been allowed to make a mobile deposit into my business account this month. The month of XXXX I made XXXX business mobile deposits. They were {$2200.00} on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. There is not a Regions branch in XXXX XXXX. I have to drive sometimes multiple days a week over an hour round trip to just deposit a check.
I explained to the priority banking representative that if Regions is going to punish me for having multiple accounts by combining both personal and business mobile deposit totals, I should also have a combined limits that represent the total limits of both personal and business accounts together. The priority banking representative told me he was aware of some priority banking customers requesting larger mobile deposit limits and receiving them. I told him that I made that request in the branch with the branch manager. The branch manager told me they submitted the request but was told no.
I told him that I would also like to add discrimination to my complaint since he informed me that Regions is offering services to certain priority banking customers that they refuse to grant to me. He took down my information and said someone may or may not be in touch with me about my complaint. I asked if he knew who to speak to about getting my limits raised and he said no. I asked if his supervisor knew and he said no. He said all he could do besides take my complaint was to transfer me to the online banking department. I said that would be fine.
I spoke to someone in the online banking department and explained the problem and complaint to him. He said that there were not different mobile deposit limits. I said well the branch says there is. Your priority banking department says there is, and the priority banking representative had told me he could only give me information that is in his manual, so therefore ; the manual must also state there are different limits. I told him that so far today no one seemed like they cared or was listening to me and perhaps the CFPB would be willing to listen to me. He sarcastically said, " Oh well thank you for banking with Regions '', and then hung up on me.
My Regions Complaint Reference number is XXXX.
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| 06/28/2020 |
Yes |
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- Trouble during payment process
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|
Web |
Older American |
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My name is XXXX XXXX. I have a mortgage with regions bank via XXXX, MS Office. My loan # XXXX. I was originally with XXXX XXXX XXXX and they retired and sold to Regions. Since that time it has become a nightmare. The XXXX office employees deletes my payments at will. I made recent payments. And I spoke to XXXX XXXX at the XXXX office XX/XX/XXXX she sent a payment ledger and added every single payment back. The office employees has selected my account to be a toy or punching bag and log in to their PC and delete my payments at will. I was working with XXXX XXXX there and she sent me a payment roster in XX/XX/XXXX showing every one of my payments they had deleted my payments so much she sent me the actual Bank payment ledger showing every payment finally got it straight. The employees there have charged me for several appraisals and no one has ever been to my home I need that money back. I pay close to 1,200.00 for mortgage monthly me and my 2 relatives. I have been tortured every since I got behind and caught up they at the office make smart remarks but that's OK the cancellation of all my payments from the PC is awful. We are trying to make the may payment and cant because they have deleted all my payments.AGAIN! It is a Regions nightmare and it needs to stop. I have begged the President to fix it he either doesn't care or lets the folks at XXXX, MS do what they like. I haven't missed a payment last year they had my payment so jacked up XXXX XXXX had added them all back she sent me a payment ledger. It showed every single payment they kept messing with my account The President moved to XXXX TN to make payment XXXX, MS cut that off by deleting about 8 of my payments, they all need to be fired actually. No employee or business owner should be able to treat an account holder like this just because I caught up they should be happy since they send me lying letters saying they are here to help. If they stop deleting my payments I will be fine. PLEASE help me I am trying to make my current payment had they have falsely moved all my other payments around got me owing over {$5000.00} guess what 2 months ago I have receipt for XXXX and XXXX payments XXXX and they are dated as such the PC wouldn't let you pay those months if they weren't correct. I need assistance and help I am just trying to pay my bills and this office of adult who are evil are torturing me and Lord knows who else.My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. A tortured soul. A victim of Region Hate. their phone number is XXXX for Ms. XXXX XXXX who was the one re-adding all the payments and sent the ledger showing every single payment. This has to stop I need an immediate remedy. Please do not show my phone number or address, or last name if this is published i have enough going on at this time. I desperately need help and only you can do it.
|
| 11/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was attempting to make a purchase from XXXX XXXX. I did not know that the website I was using was a scam and fraudulent. I found out after the fact. While placing the order I was signed up for their " rewards club '' ... I set it up using my email and a password. My mistake was that I used the same password that I use for my XXXX. I wanted to call the company about the order and was not able to find any valid contact info. Every email I sent was returned with a message saying it was not a valid email. There was not a good number and when I called the legit XXXX 's I was told about the scam. I XXXX it and got a hit instantly that the website was a scam and was not affiliated with XXXX 's at all. When I disputed this transaction with the bank, they would not help me and asked me to contact the company ( Really??? ) and have them give me something in writing that they were not going to refund my money. # 1 I have no contact info. # 2 It is a scam! I did file a dispute and called Regions. The first girl I spoke with I explained to her that I thought I was on XXXX 's website. They used deception to gain access to my account information. My account had been compromised. The girl did not close my account. She did not turn off that card. Fast forward to XX/XX/2023 and I get 2 more charges on my account from 2 XXXX charges. So now I have the {$49.00} charge from the fake XXXX XXXX on XX/XX/2023, which got me a {$36.00} overdraft fee ... .then a {$96.00} XXXX charge on XX/XX/2023 and another XXXX for {$58.00} and a {$100.00} overdraft fee for those charges!!!! I call Regions, speak to a lady in the fraud department. The logic is pathetic behind why my claim was denied. First off, she tells me it is not fraud because I provided my info. Second of all ... .I never gave XXXX my card info to begin with!!! I tell her the definition of fraud includes using deceptive means to access my account for theft. That is exactly what they did. They deceived me for financial gain. She tells me to send a confirmation email from the merchant. I say ok, because at that time I knew I got a comfirmation from the merchant when it all happened. I log into my XXXX, and my XXXX was completely wiped out. I had absolutely no email. None. I knew that my email had be compromised too because I had over XXXX emails the week before when I logged in. I had emails from my son who had passed away that I kept for myself. Pictures of my son ... Those are now gone. I was livid. I changed my password on all my accounts because I do not know the extent of what they have compromised. The lady at Regions defended the first girl saying that I did not request the account closed. I voluntarily gave the merchant my info, so there was no fraud. I disagree. I want my money back. I want the late fees taken off. I should not have to fight to have my account protected.
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
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Account # : XXXX We applied for a XXXX XXXX XXXX XXXX Mastercard with the company and were approved for an account on XXXX XXXX with a credit limit of {$1500.00}. The company said we were approved for fuel, maintenance, business expenses, international and internet purchases. The cards we were sent in the mail were fuel cards with maintenance expense capabilities. Because the other features were locked, we requested new cards. I have been working on this for the last two months. Finally after having spoken with multiple supervisors in the customer service department, our company was sent the two credit cards for which we applied. The cards were receied in the mail and we were told that they are open to all expenses but then 4 hours later we received an email saying that we weren't approved and the cards were locked from our account. We scanned and sent in the agreement which was sent to us on XX/XX/XXXX but the company doesn't care.
We were also charged multiple times for different amounts that what we approved them to bill us for which was a payment in the amoujnt of {$290.00}. Here are the confirmation numbers : XXXX, XXXX, XXXX The email we received was on XX/XX/XXXX saying that the credit department had approved the cards being sent out to us, and now they are declined so the cards are blocked. We applied for the business cards in XXXX and were approved for that, and the company sent the wrong cards. They sent fuel cards and we never applied for that. We were sent to new accounts who informed us that a second application was opened in our name but because we had a recently submitted application within the last 3 months, that was also declined. We never submitted a second application. We called to have the problem that customer service caused fixed, but that never happened. The company then said that the credit department says we have " high risk credit '' and that is their reasoning as to why they are currently blocking our issued credit cards.
However, that isn't the case either.
We have made our payments on time, do not owe them money, and we have a credit line with another company for {$10000.00}. That company is called XXXX, XXXX and they have given us a {$10000.00} credit line so clearly we do not have bad business credit. Our XXXX credit account isn't personally guaranteed by any of our authorized users because we have very good business credit. Additional verification by the credit bureau XXXX XXXX XXXX is being attached with their recommended credit card limit of {$7500.00}. We are a partner of the XXXX XXXX XXXX XXXX, so we have attached that. Their claim of having bad business credit is therefore a lie and it's a violation of the FCRA to do what they are doing.
We are attaching the cards, the request to the XXXX XXXXXXXX XXXX Directors, and the documents so that the case may be further looked into.
|
| 08/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Regions Bank regarding a deeply concerning matter that involves discriminatory practices and the violation of my consumer rights. The details of this matter are as follows : On XX/XX/2023, I applied for a Consumer Credit Grant with Regions Bank, located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. However, to my astonishment, my credit application was denied with an explanation citing adverse action. I believe that the denial of credit was a direct result of discriminatory practices and a violation of my rights as a consumer under federal law.
Under the Equal Credit Opportunity Act ( ECOA ), it is explicitly prohibited to discriminate against consumers based on factors such as race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the good faith exercise of rights under the Consumer Credit Protection Act. I suspect that my credit application was denied due to internal remarks or alleged debts from another company, which are wholly irrelevant to my creditworthiness or ability to meet my financial obligations.
This discriminatory action is in direct violation of the ECOA, specifically codified in 15 U.S.C. 1691c, and could potentially render Regions Bank liable for civil penalties under 15 U.S.C. 1692k. Moreover, I am convinced that my rights under 15 U.S.C. 1691 ( a ) ( 3 ) have been violated due to my perceived exercise of consumer rights.
In my previous correspondence with Regions Bank, I have outlined the evidence suggesting that the denial of credit was a result of an unauthorized use of my credit card, which is my social security number. This is a direct violation of XXXX XXXX. XXXX ( I ) and XXXX XXXX. XXXX ( p ), and it demonstrates fraudulent activity on behalf of the bank.
Furthermore, I firmly believe that Regions Bank is in breach of XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX C.F.R. XXXX, as my credit application was denied without adequate consideration of my ability to repay based on reasonable factors such as income, cash flows, net worth, credit history, and other relevant financial indicators.
My intent in filing this complaint is to seek a resolution in accordance with my rights and applicable laws. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Regions Bank for these violations. Additionally, I seek remedies and compensation for the damages I have incurred as a result of this incident.
I implore the Consumer Financial Protection Bureau to intervene and ensure that all consumers are treated fairly and equitably. I look forward to your prompt attention to this matter and a resolution that upholds consumer rights and accountability.
Thank you for your assistance.
Sincerely, XXXX
|
| 08/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
Regions Bank holds the mortgage on my home. I applied to Regions Bank for a refinance loan. Regions put in in touch with a loan officer, XXXX XXXX XXXX. In my initial conversation, I disclosed to him which loan I wanted and our financial circumstances. Based upon this, Regions knew or had reason to know that I could not qualify under the requirements of the loan which I sought. This is the case despite the fact that we have excellent credit and financial resources. Today, over 90 % of loans are sold to XXXX XXXX or XXXX immediately after securitization. These two XXXX then issue securities guaranteed by the full faith and credit of the XXXX, either through securitization or as covered bonds. We fail to meet the income and debt ratios for the loan under XXXX XXXX XXXX guidelines.
In this case, Regions was only prepared to make a loan conforming to these guidelines. I was informed of none of this. Instead of informing me of this by " prequalifying '' me for the loan based upon my verbal representations in relationship to the guidelines, Regions issued a full loan disclosure document. XXXX XXXX then asked me to submit detailed financial documentation to substantiate my representations which I did. Subsequently XXXX XXXX requested me to submit additional documents and had me increase the monthly distribution paid from our trusts and documentation confirming that this amount had been paid into our Regions ' checking account. The entire process took more than XXXX months and a significant amount of my time.
Even at this point, no one bothered to inform me that based upon the documentation submitted I did not meet the underwriting requirements for the loan. Instead, I was asked to pay {$400.00}. for an appraisal to secure a loan that would never be made. Only after payment was made was the documentation submitted for a review by an underwriter who belatedly started the process leading to my being informed that I did not qualify. In short, Regions wrongfully caused me to spend {$400.00}. when either they knew or should have known that the loan would never be made.
This is a wrongful consumer abuse. Apparently, the procedure described above enables Regions to make more loans with a lower overhead. Most banks have licensed mortgage brokers taking applications who will inform a customer right away if the customer fails to qualify for the loan under its specific underwriting requirements. I do not believe that the consumer should be stuck with the bill because Regions has changed the way this type of transaction is customarily handled without first disclosing this to the customer. Regions, at a minimum, should either conform its procedure to the customary way other lenders take loan applications or make prior written disclosure to a loan applicant that fees will be collected without prior prequalification of the customer.
|
| 08/06/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
In XXXX I was offered a business line of credit and visa card thru a banker at Regions Bank in XXXX, FL. I used the account to help my business. In late XXXX my personal life took over my XXXX concerns when my wife was put into hospital. I had to take care of my XXXX small children. In XX/XX/XXXX my wife recovered and I turned back to my XXXX which was in trouble. I have spent the last years getting my XXXX back on track somewhat successfully until very recently. In XXXX I fell behind in payments on my line of credit and Visa card. My wife and I communicated with the bank and made smaller payments when we could. What we did not know was that the banker who had given us the loan had moved to another bank and we had no account manager. As things deteriorated, we tried talking to many people at Regions and no one really helped us. We wanted to turn the credit accounts into a long term fixed rate loan. We were not getting anywhere and we got calls from Regions reps asking for payment ( we found out later that they were collections agents who work directly for Regions but would never identify themselves as such. We thought we were still working with the bank. We continued to make payments on the line of credit and Visa card up until XX/XX/XXXX. We then found out that the loan had been charged off in XX/XX/XXXX. We have not been able to make any progress to get the accounts back in good standing. We are not sophisticated financiers. We have found out that the line of credit is listed as an " automobile loan ''. In early XXXX, I had a representative on the phone and as usual was asking about the state of the account and had it been turned into a long term loan. She said that it had and when I asked what the rate was she said : zero. She also gave us an opportunity to pay {$77000.00} to pay off the account or make monthly payments of {$980.00}. I told her that we were not able to pay the {$77000.00} but were willing to pay the {$980.00} per month. After the call, I was a little confused since she was with the mortgage loan dept. My wife had called the number back and got another rep. who told her that if we did not get current, the bank would " take our home ''.
At this point our business is back on track and trying to expand and we are unable to move forward since we cant make any progress with Regions. I still have no account rep. I cant get an answer as to where the money I paid went to. It cant pay down a charge off. Our family owner company is struggling to survive and we need some resolution and a path forward to resolve the past with Regions and we keep getting bumped into the mortgage foreclosure dept. This is all a result of our account manager moving on and Regions not assigning us a new account manager. Instead we got swept up into a huge online system and have experienced tremendous hardship as a result.
|
| 06/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
I contacted my banks customer service by phone and requested a stop payment be placed on a specific mortgage payment around the XX/XX/2019. This was the first time I had ever placed a stop payment on my checking account, so I was not clear on the ins and outs and felt it was best to have customer service assist with the procedure. During this call, I specifically remember asking the customer service representative, is this a onetime stop payment? Because this is for my monthly mortgage payment and I dont need to have any unexpected surprises or issues because of this in the future. I was assured by the representative that this was a onetime stop payment and I should not encounter any issues moving forward making my monthly mortgage payments. Fast forward to the end of the month. I made my monthly mortgage payment by phone like I do every month. I received my confirmation number and assumed all was well. On the XX/XX/XXXX, I receive a letter via mail from my mortgage company stating there was a stop payment in place. I immediately called my mortgage company to verify and explain the error that had taken place. Once I finished speaking to them, I immediately drove to my banks local branch. They proceeded to tell me that a stop payment would remain in place for 6 months unless I contacted them to remove the stop payment. I explained to the branch manager that this is not what was communicated to me when the stop payment was placed on the account. The branch manager apologized and said this was above his pay grade and there was nothing he could do to assist me. I requested the stop payment be removed and called my mortgage company back within an hour and made a payment. While speaking to my mortgage company, I explained the error that had taken place again, but this time in more detail. The customer service representative from my mortgage company stated that I would need my bank to provide documentation that they were at fault in order to excuse the late payment. I contacted my banks customer service on five separate occasions following this incident, requesting documentation showing that they were at fault. Each time I called, I was told that a supervisor would call me back and they would need to review the initial call because all calls are recorded etc. I never received a call back from customer service. Come to find out, the representatives do not document accounts when a customer calls in so there is zero accountability for any of their employees to follow up or resolve any issue when a customer contacts them. After filing a complaint with the XXXX, I received a letter from the banks corporate office, stating there was no error on their part. I have requested a copy of the recorded phone call and have been told that would require a subpoena. This late payment caused my credit score drop 120 points.
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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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.
|
| 05/11/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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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.
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| 03/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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On XX/XX/XXXX I opened a line of credit for XXXX . This was my money that was transferred from my savings account. It was to be used to raise my credit score. I borrowed & repaid it as Regions requested me to do. It was used until XX/XX/XXXX I went to the bank to have the loan released but I still " owed '' XXXX $ & I was instructed to pay it off & give her 2 days after it was " paid off '' so it would be released with no problems. I went back to the bank after this time had elapsed XXXX had left that branch so I talked to XXXX. He worked on his computer a few minutes & told me you will have your money in ten days! I informed XXXX this was not acceptable as I was told after the 2 days had elapsed my money would be transferred back to my savings account. He told me it would be done the next day & he needed to call someone about it. I told him the next day was ok. I waited 5 days & then I transferred my XXXX $ from that account back into my savings account. Every thing seemed ok. A few days later I received a statement in the mail stating I still owe Regions XXXX . So back to the bank with nothing resolved this is when XXXX becomes involved. The date was XX/XX/XXXX I tried calling again to get this loan released. XXXX told me I needed to repay the XXXX $ so the loan could be released which is what I did the previous month. He asked if I had money in another bank to transfer to complete this loan. I told him no & I asked whats going to happen now that it 's a month later & now a payment is due. I had to make another payment on this nonexistent loan. There was a XXXX $ fee added & on XX/XX/XXXX Regions took funds from my account for another payment of XXXX $ for a loan that should not exist. I was simply trying to raise mt credit score to get a loan for a house. I invested my money over the years in rather unconventional ways that the bank wo n't recognize as legit collateral ( cars, diamonds,XXXX & others ) I knew going into this process that it was a longshot because I never used credit cards I did n't create a mountain of dept if I wanted to purchase something I saved my money. So I had XXXX credit history other than a medical bill that the insurance company will be responsible for. It would seem the banks would be seeking people like me without a mountain of debt & who pays all the bills to lend money to. What I would like to know is why XXXX did not release this loan? I asked XXXX & XXXX & neither could give me an answer. I think XXXX did n't like the response I gave him after he told me that the loan would be released in ten days & I told him I 'm leaving with my money today either all of it in my hand or transferred into my account. He said he could do it with a phone call the next day but he never did. I want the 2 payments ( XXXX $ ) transferred to my account & the XXXX $ fee removed.
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| 09/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Delay in processing application
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Web |
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On XX/XX/2021, I received an email from XXXX XXXX of XXXX advising me that I was approved for the XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. The terms included submitting a one-time refundable deposit to get access to 3 times my deposit amount. I submitted the {$500.00} deposit to receive access to the credit line. On XX/XX/XXXX, I followed up with XXXX regarding the approval and to figure out why my credit limit only reflected {$500.00}. He then told me that he accidentally sent me the wrong email and that I actually did not qualify for the account that I paid the {$500.00} for. Instead, I only qualified for a regular secured card. After he explained his mistake, I chose to cancel the card and account. I was told that the refund of my {$500.00} deposit would take up to 6 weeks to receive.
On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX XXXX ( Employee ID : XXXX ) to check the refund status. I was told by XXXX that I would not be able to receive my refund for the BP Solutions card because I was not an authorized person on the account that I canceled months ago. Ludicrous! Not sure how that works since I submitted MY personal information to acquire the account in the first place. I am the sole owner of the business.
Additionally, I applied for the Universal Premium Fleetcard, not realizing the issuer of this card is the same company- XXXX. The same situation occurred. I submitted a {$500.00} deposit through my bank on or around XX/XX/XXXX, and have not received the card. It is now XX/XX/XXXX.
I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and he advised me the Universal Fleetcard had already shipped, and to wait for it to arrive in the mail. He said it would take upwards of 60 days to cancel the account and receive a refund for my deposit if I decided to cancel before the card arrived. I opted to just wait for the card. He then followed up with me on XX/XX/XXXX via email about my XXXX XXXX account to tell me that my refund is being processed and the approximate new time frame is 4 weeks.
At this point, I need both of my deposits back ASAP. I no longer want to do any business with XXXX.
I have spoken with multiple employees from this company and no one can give me a detailed explanation about where my deposits are. I never received account numbers or confirmation numbers regarding these transactions either. All I have are emails. My next steps will be to seek legal counsel if this does not get resolved by a competent representative of this company. This should have NEVER occurred. You can not hold onto customers ' money and not provide services.
I HAVE CALLED THIS FRAUDULENT COMPANY MULTIPLE TIMES TO RECTIFY THIS ISSUE. I NEED BOTH OF MY DEPOSITS RETURNED TO ME ASAP. This company ( or lack thereof ) has fraudulently misrepresented itself and has lost all credibility from me.
|
| 12/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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We mail in our rent on the first of the month, but it usually takes one-two weeks for our landlord to deposit it. Sometimes it 'll be up to the XXXX of a month, the money has n't been taken out according to our bank 's website, mobile app, and ATM, so we 'll go get groceries so we can last a couple days until we get paid again. Two or three days will pass, we 'll check our account, and we 're good. We 're a few bucks short of rent, but we get paid the next day, so we should be fine.
Friday rolls around, we check our account, and there 's much less money than we expected. We go to check the transaction details and there are MULTIPLE overdraft fees. The rent check has indeed come out, but now it looks like it came out on Monday or Tuesday. It never showed this anywhere between Monday and Thursday, but it 's suddenly there now. And every transaction that occurred after it 's currently posted date has resulted in it 's own overdraft, whereas if it was withdrawn in the order that the account had shown the day BEFORE, there would only be one overdraft, sometimes by only a few cents.
I 've tried calling and messaging multiple times about this issue which has happened SEVERAL times to us over the past few years. When they 'll actually talk to me ( which is almost never ; despite me being on the same account with my wife, they always insist to speak to her, but she can almost never be around because of her work schedule, ) they tell me " Well it looks like it came out on Monday! '' It did n't look like that all week long, and I of course have no screenshots to prove it because who takes random screenshots of their bank account predicting that they 're going to be XXXX over this month?
Now, I understand that the day the check is deposited and the day it clears can differ. But the day it posts to our bank account should be the day the money is officially withdrawn from our account. We have no possible way of knowing the status of the check and the website gives you no indication that it is currently " Pending '' like it will do for other types of charges.
It has happened to us at least three times in memory, possibly more, and has cost us hundreds of dollars in overdrafts where only a single one should 've occurred each time. Everyone we 've reached out to for help seems to be utterly clueless as to what even happened, and every single time they 've had to ask for someone else to help them out. We ca n't be the only ones this happens to. We 're just trying to catch back up on finances and pay off debts ( I have an issue with sudden extra debts showing up with no warning AFTER we finished paying off our entire Regions Credit Line, but I 'll make that a separate complaint, ) and having this happen to us every few months is like that XXXX XXXX XXXX song : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 11/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from Regions Bank. The business that wrote me instead of Regions Bank was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then Regions tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from Regions, but that is not possible now, due to the lie of XXXX XXXX XXXX. Then Regions just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that Regions Bank has put on my credit record in XXXX XXXX to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX, XXXX MS or inhabitable dwellings in XXXX MS that is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from Regions Bank or any other business bank account for that matter.
|
| 10/29/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
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Web |
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I worked for XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. Due to issues that I have already filed a complaint with the XXXX XXXX XXXX about, I was unable to return to work. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX that assisted with deleting my inaccurate direct deposit information ( which Comdata does not allow unless we have a card, which hinders the paychecks that we are forced to accept to receive or set up direct deposit for ) and ordered me a new XXXX XXXX. I should have received this card the week of XX/XX/XXXX. When I did not receive it I contacted Comdata and they claimed another was sent out supposedly expedited on XX/XX/XXXX. By XX/XX/XXXX, I called to confirm the order again and get an XXXX because at this point I'm having to borrow money to pay bills while trying to get back to work. They confirmed it was on the way and I am sure I confirmed the address each time and they verified they had the correct address. The rep provided me with a tracking number and said it was set to be delivered on Thursday, XX/XX/XXXX. Today, I check the tracking and it says it has been delivered way to XXXX XXXX, IN even AFTER numerous address verifications. So now they claim to have ordered ANOTHER CARD and it will be sent out in ANOTHER XXXX days. She didn't even bother to make it expedited even though I explained I have been waiting almost a month now. The rep has the most " XXXX XXXX XXXX XXXX '' attitude about it.
Why does XXXX XXXX XXXX their employees to take a COMDATA card for paychecks and then show no concern, do not provide updated payroll information or make it convenient to receive our paychecks? I had not worked for XXXX XXXX since XXXX and the personnel said they updated their payroll system since then but THEY DID NOT SEND OUT INFORMATION TO UPDATE PAYROLL AT ALL. ASKING IF I STILL HAD A CARD FROM XXXX XXXX AGO EVEN THO I HAD DIRECT DEPOSIT SET UP THE WHOLE TIME. THEY DO NOT CARE IF THEIR EMPLOYEES GET PAID ON TIME AS LONG AS WE WORK. XXXX WEEKS LATER AND I'M STILL WAITING ON A PAYCARD. THIS IS UNACCEPTABLE.
Then COMDATA systems will not even allow us to log in and adjust our payroll or direct deposit information UNLESS we have their card. SO THEY ARE FORCING XXXX TO USE THEIR CARD but then WILL NOT EVEN SEND OUT CONFIRMATION EMAIL THAT IT HAS BEEN ORDERED, NO TRACKING NUMBER OR ANY INFORMATION. NOW XXXX WEEKS AFTER WORKING, I STILL HAVE NOT BEEN PAID. I HAVE BILLS TO PAY!! THIS IS HURTING ME WHEN I GET LATE FEES AND BILLS CUT OFF DUE TO NON-PAYMENT WHEN I'M LITERALLY WAITING FOR A CARD THEY HAVE ORDERED XXXX DIFFERENT TIMES.
I already filed a complaint against XXXX XXXX for working their employees XXXX hours without our second break and now they are also making it extra hard to even get paid.
This complaint is against XXXX XXXX AND Comdata.
|
| 09/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
|
All bank accounts and loan addressed in this complaint are with Regions Bank. Store has an ATM machine and the money we put in the machine are deposited to stores checking act. at Regions Bank by XXXX, XXXX. An automatic payment was set up directing the money from the checking account to pay for the monthly loan payments.
XXXX loan payment of {$5100.00} deposited and backed out by Regions Bank and accounts were accidentally closed by Regions Bank per our local Regions Bank XXXX late fee charged XXXX late fee backed out XXXX late fee charged XXXX new accounts opened and loan payment made for XX/XX/XXXX XXXX loan payments for XX/XX/XXXX and XX/XX/XXXX made and everything up to date XXXX late fee charged and XXXX late fees backed out ***When new bank accounts with different act. numbers were set up the automatic payment was no longer authorized.
***From XX/XX/XXXX through XX/XX/XXXX Regions bank could not figure what was going on and we could not get any answers from the local Regions Bank XXXX Money deposited into the checking account were taken out. The local bank tried to solve the problem but could not get answers from the loan department. They were just as perplexed as we were. Sometime during this time the loan account was frozen.
XXXX contacted by the loan department and was told we hadnt made a payment in over a year. According to our records at that point we had overpaid by {$1200.00} XXXX XXXX, XXXX the loan department contact us and advised us to fill out a fraud report XXXX we received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for default of loan payment.. that were not made from XX/XX/XXXX and all subsequent payments. Regions is demanding the principal, interest through XX/XX/XXXX ( per dime thereafter : {$16.00} ), late fees, prepayment penalty, attorneys fees and costs. We have been asked to provide data that we dont have access to because are accounts are frozen and we do our banking on line. The date the bank is asking for the bank has.
XXXX XXXX, XXXX the checking account was opened for a brief period of time and we deposited about {$22000.00} to add to the money we already had in the account for a total of about {$31000.00} and a additional deposit for a loan payment of {$5100.00}.
*** To date we still do not have answers to why our accounts are in such turmoil and I do not think they themselves knows what happened and are trying to figure what went wrong. We have been told by XXXX XXXX we can not contact the bank because the bank is his client.
***It has been 3 months and we have not heard anything on this case. Because of the default we can not get a loan and could possibly loose our business.
***Our hands have been tied during this entire time.
|
| 07/09/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs.
Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented.
I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.
|
| 02/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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|
I have a Regions Bank CC, but I had not used it in over a year until a recent charge. When I was actively using the card, I always received an email notification of a pending bill/statement ready for review. I often received a bill via US Mail as well. I did not sign up for 'paperless ' service ; but the company stopped sending me bills. They continue to send me promotional items regularly, however, and I have received several letters from them in the US Mail AND in emails this year.
Recently, I was surprised to receive an email informing me that I had missed a payment that resulted from a newspaper subscription renewal, which I originally signed up for in XXXX XXXX ( my last 'intentional charge ' on the card ). Prior to receiving the notice that my bill was past due and that the amount due now included a {$25.00} late fee, I did not receive any email or other notification that a bill was pending. Upon learning of the charges, I immediately paid the full amount of the subscription service ( {$54.00} ) and then requested that - in light of the Bank 's failure to notify me of a bill, as well as the nature of the charge - the Bank removed the late penalty. So far, the Bank has refused.
I sent my request via the Bank 's internal 'secure email system ', although difficulties with the system have been a great impediment to communicating with the Bank XXXX In a 'regular email ' ( sent thru my XXXX address ) to me on XXXX XXXX, the Bank acknowledged problems with the system, writing " Our programmers are working to fix the problem. We do not have a set date for these updates. Im sorry for any inconvenience this issue may cause you in the meantime. '' In the same email, the Bank wrote that " Security is very important to Regions. That is why we can not provide any account sensitive information through normal email. We can not vouch for the security of individual email providers. '' Further, in another email, the Bank wrote that they " can only refund late fees if the Bank is in error ''.
I have explained to the Bank the error that was made on their part, and expressed my disappointment in their refusal to remove the late fee, as well as their dishonesty regarding their ability to remove the fee ( ie they obviously CAN, but are CHOOSING not to ). The bank has not responded to my email in any substantive way except to say that there is a 'message waiting for me in their notification center '. I am not inclined to spend anymore time searching for this on a website that doesn't work properly, I can see that the {$25.00} fee remains. This is the sum of my balance, and - for obvious reasons - I now wish to close the account and cease doing business with the Bank.
Thank you for your assistance in helping me to close this account and settle this matter.
|
| 05/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XXXX XXXX I deposited a {$6000.00} check via my mobile device into my new account at Regions Bank in XXXX , Al. The payor was a jewelry company that purchased an item from me. That company is located across the street fr om Regions in XXXX and their check was drawn on a local bank. I was recently divorced and chose per my decree to return to my previous name XXXX XXXX . I opened the new account under XXXX . I was previously XXXX XXXX and the check was payable to XXXX . On XXXX XXXX I realized the deposit had not been credited to my account so I called Regions Customer Service. I was told the process normally takes 24 hours and would possibly post that day. It did not post that day so I called Customer service again and I was told that federal law allowed them to hold my deposit for 11 days. On The night of XXXX XXXX I checked my mail and I had received a letter from Regions fraud department that said " we have received confidential information that the deposited check may not be paid '' and the funds would not be available until XXXX XXXX . On XXXX XXXX I went into Regions to check on the possible fraud issue and I was told it was not fraud but the check was not paid by the payor 's bank due to NSF funds. I went across the street to the jeweler that wrote the check. I viewed his on line account and saw that the check WAS paid and had been drafted from his account. I also spoke to his banker who also confirmed that Regions had been paid for the check and it cleared the payors account and the funds were available. There was never an NSF issued. I went back to Regions and spoke again to the assistant manager, who then said there was a problem with my identify. I immediately provided her with my drivers license, SS card, and voters registration card, ALL under XXXX . I then pointed out to her that Regions allowed me to open the account under XXXX with a XXXX ID. She contacted the operations manager and the fraud department in an effort to at least release a portion of my funds to meet my immediate need. The bank refused my request even though they had received the funds and I had proven my identity. This caused an egregious hardship on me and my family. Regions employees all told different lies about the receipt of the funds and the reasons for the lengthy hold. Even though the bank may be legally allowed to deny me access for 11 days to my money there was never a valid reason for them to do so. I am furious! They even offered me a LOC that would cost me interest to cover my immediate need. Regions should be paying me interest for holding my money! The law that allows banks to do that should be amended to define " just cause '' if the funds have been paid and consumer ID is verified. XXXX XXXX XXXX
|
| 09/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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On XXXX/XXXX/XXXX, 11 fraudulent checks were deposited into my checking account and hours later the funds were available and withdrawn from different locations including XXXX and other atms. I noticed the activity the morning of XXXX/XXXX/XXXX and immediately attempted to report it to the number on the back of the card. This is a joint account and the card that was used was under the other card holder so he had to call and dispute. I was told to go into the branch also which I did that morning. The charges were disputed but a hold was put on the account for fraud. My regular direct deposit went into the bank on the XXXX for {$1100.00} but a hold was put on this until the investigation was complete. We were told at that point by the representative at the branch that are account would be closed and chances were we would not be reimbursed because the PIN number was used. I received 1 noticed that stated we were given provisional credit so we could function normally until the investigation was complete and this is not true. We did file a police report and are working with them on criminal charges, but that did nothing fro the bank 's investigation. I was basically without money for basic daily needs and the bank turned their head. We have attempted to follow up with the investigation but that has been very difficult because we are given no information from the branch and were refused any documentation from the supposed investigation that was completed. One rep told me the PIN number was used so that was the investigation. We are not allowed to speak to a supervisor when we ask and we are given the run around every time we try to follow up with any progress. We were told today that the " investigation '' was complete and the account would remain in negative standing but I have still not been provided with any documents regarding their research or investigation. We have both been treated like a criminal during this situation and told we did things that we did not do. The bank wants us to think that someone getting our PIN number is not possible and could never happen. There are ways in this day and time.
I did ask the question several times about why these fraudulent deposits were made available so quickly and no one has been able to give me an answer. When I make deposits through the atm I have to wait on funds to be available. The customer service with this bank has been a joke and I will not stand for being treated the way we have been treated. The amount of money we are our is huge to us and the whole point of having a bank is so my money is protected. We tried going through XXXX and the FDIC but are still with no answers. I included the notices that I received dated only 1 day apart and 3 of the 11 deposits made into the account as an example.
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| 06/27/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Regions bank is NOT adhering to signed Promissory Note/Closing Documents signed XX/XX/XXXX.
Disbursement date on simple interest XXXX was XX/XX/XXXX ( as noted on closing documents ) 1st payment was due XX/XX/XXXX covering XX/XX/XXXX-XX/XX/XXXX period from closing From first billing, interest was calculated on an erroneous billing period of XX/XX/XXXX, XXXX XXXX, XXXX ( noted on billing statements ).
This incorrect billing period set up all future billings to cover an incorrect billing period of the XXXX to the XXXX on a monthly basis despite payments set up to be due the first of each month as in closing documents. The billing period should have reflected the XXXX XXXX or XXXX on a monthly basis ; based on disbursement/closing documents.
This discrepancy in the billing period being used by Regions ( and not supported by closing loan documents ) set up inaccuracies in additional interest calculations on my monthly payments made and due by the first of each month which has now gone on for 4 years without being corrected Additionally, as per Promissory Note/Closing Documents ( and further supported via emails by Regions VP/branch manager/closer on loan ) additional Principal Only payments are allowed without penalty to be applied to outstanding principal balance. As noted on Promissory Note Early payments will reduce the principal balance due and may result in making fewer payments However, each month from XX/XX/XXXX to present, a separate check marked Principal Only or Extra Principal Payment Only in the amount of {$100.00} was sent in same mailing as regular mortgage payment. However, despite Regions receiving by the XXXX of each month ( due date according to closing documents ), the entire extra principal payment {$100.00} was not applied to the principal balance, but rather interest was taken out ; NOT adhering to signed closing documents.
Despite numerous attempts to have the loan examined and fixed since first noticed in XXXX of XXXX, Regions continues to let this error go on ; effecting me financially and emotionally. They state my Principal Only payments have to pay interest first owed for the month based on the erroneous and incorrect billing period as noted above.
This loan MUST BE FIXED with all incorrect additional interest taken by Regions ( both out of regular monthly payments and out of extra principal payments since the start of the loan ), credited back to loan to lower principal balance.
Based on Regions attitude, one can only wonder if this type of error is going on with hundreds, if not thousands of others, who unknowingly are being negatively impacted financially while Regions is making millions off of them. Maybe Regions need to be investigated or have a class action lawsuit to make them correct their errors.
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| 08/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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XX/XX/XXXX Had my Bank Regions Bank wire XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX Had purchase contract. Shipment bill. Stated would recv truck in 3 days. After no response by Wednesday called Branch to get advise and made an appointment XX/XX/XXXX and filed fraud complaint and stop to get my money back. Rep from Bank was XXXX XXXX and he told someone will contact me in 48 hrs. No call back and call back and XXXX gives me a wire # to call and they tell me I have to have a pin # call back and speaks to manager XXXX XXXX who tells me no updated info and if they got my money back it would be in my account and he said you requested the wire. I told him abt the pin and he said he used his pin and see No updates. So by this time I am so upset with this Regions Bank. Early that week I report to all Federal reserve file a police report and with the FBI.. This is a lot of money to me. Call the bank and no would talk to me leaving messages. So finally Saturday morning on the XXXX of XXXX XXXX XXXX I finally get him and prior to this call I have been trying to call the bank that recvd the wire and I asked XXXX XXXX do you freeze the account and did you notify the other bank and he told me you are suppose to do that. I said I have but I dont use this bank and you also have to have a pin. So I am furious at this point why this bank has not taken proper procedure and top priority on a fraud complaint. I continue to call the other bank that recvd the wire and it was XXXX XXXX XXXX and they finally let me talk to someone in there fraud dept which was very nice. She explained to me that my bank contacts them to advise them there was a fraud wire and and freeze the account which they still can see were money goes.. This is Still the XXXX XX/XX/XXXX now we are 2 weeks in and decided to call another branch to see if I could get some more information on my wire or anything.. So I call XXXX XXXX finally speaks to Manager her name was XXXX and I explain my situation on fraud wire and she says you need to call the branch that did the branch that did the wire. I stated I cant get them to return my calls and I dont thing they know what their doing. I said if your not going to help me then I need the person to speak higher higher up. This is XXXX this is a lot off money to me. She finally said let me call to the wire dept and see what I can find out.. XXXX comes back to me and says they have never received anything and I said no I came into the branch on XX/XX/XXXX and filed my fraud claim to stop wire it was fraud scam and she said again it wasnt stopped! But I will send XXXX XXXX XXXX an email and give instructions what he needs to done and said 2 weeks have passed.. OMG. I did file a complaint to the bank and yet to receive knowledge that even happened..
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| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have a student account with Regions Bank. I had visited the XXXX, FL area the first week of XX/XX/XXXX for a music festival. Somehow my debit card and pin number were stolen. I did not realize my debit card was gone until after returning to my home in XXXX, TN. There was very little money in my account as I was not working at the time as I was focusing on my high school graduation. Regions contacted me to collect on an overdrawn student checking account. Regions had accepted a counterfeit check, with a forged signature to be deposited and funds withdrawn between XX/XX/XXXX and XX/XX/XXXX. I do not know how my pin number was compromised or my card was stolen but I do know that I did not provide it to anyone. Regions did allow this counterfeit check with a forged signature to be deposited into my student account in the amount of {$4700.00}. Regions did provide a copy of the deposited check and it is not my signature. My account has never had this amount of money in this account. I do not understand why they would have accepted this counterfeit check, with or without a pin number. On XX/XX/XXXX Regions Bank said I allowed my pin number to be used which I did not know anything about. I knew nothing about these transaction taking place in XXXX, FL while residing in TN. The notification from Regions told me to go to the local branch for assistance but they indicated they could do nothing and suggested filing a police report which I did with the XXXX, TN police department to have the case reopened. I filed my police report and sent an appeal to the finding. the appeal was faxed on XX/XX/XXXX to XXXX. I have not received any notification regarding the appeal. Regions did takes funds from my grandparents ' account and my uncle 's account as my grandmother had to supply her social security on my account because I was a minor when it was established. They took over {$2200.00} form my grandparents account and over {$300.00} from my uncle 's account and they found out when attempting to use their accounts.
I really need some help. Regions continues to call and attempt to collect over {$2000.00} dollars for a counterfeit check that should have never been allowed in my account. I start college in a couple of weeks and have no such funds available. My grandparents had to go borrow money. I really feel Regions should have caught this activity based on the fact this is a student account that has never seen this type of activity. While I understand the pin number was used, I did not know it was stolen and had no knowledge of this activity. If I had {$5000.00} in the bank and it had been withdrawn using the pin number, I would feel it may be my fault. When Regions allows a counterfeit check to be deposited, I feel they are responsible for that.
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| 06/01/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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FHA loan denied at last minute.
I applied for a mortgage thru Regions Bank in XXXX Illinois on XX/XX/XXXX. Due to a previous divorce I knew my credit was questionable. Well it turns out that my score of XXXX was 4 points below requirement of XXXX. Disappointing but I understood. I immediately hired a credit repair firm to help me fix my credit. By XXXX it has increased to XXXX, well within the requirements. We started the process on XX/XX/XXXX. The first question asked was what will I use for a down payment, initially I figured I would use my 401k. Unfortunately I was unable to pull from that due to restrictions, and stated that I would get the funds from a friend as a gift. My loan originator changed things on the original application showing gift money for the down payment instead. I was approved for the loan on XX/XX/XXXX at 3 % locked in. I started sending all the required documents and on XXXX paid for the appraisal. Meanwhile the inspection had been completed as well as the appraisal. On XX/XX/XXXX I submitted the remaining required documents including the signed and dated gift letter. By XX/XX/XXXX I had wrapped up some of the minor repairs on the home to meet requirements.On XX/XX/XXXX I was told final inspection was ordered. The closing date showed to be XX/XX/XXXX. I requested a cost estimate to make sure I had enough saved for closing.I was given a settlement closing statement- estimate. I was told all they were waiting for was insurance and final inspection. On XX/XX/XXXX the email from the loan originator stated " we are good, sent loan to final underwrite while they wait for final inspection '' I was very excited as the house repairs were all complete and tons of document sending was complete. Now on XX/XX/XXXX the drama started, they needed a bank statement from my gift donor. That was tough to ask for but I got it from the gift giver. Then about 15 emails were sent asking about my relationship with the donor. ( she was my girlfriend of 7 months ) They got the cancelled check copy and they got her 6 page bank account showing the funds transfer. FHA would not approve without it. By now it was XX/XX/XXXX and more requirements came including my 401K statement w/terms of withdraw. Now on XX/XX/XXXX FHA stated DENIED without proof that ties me and my girlfriend together. They wanted joint lease/joint bank statment/ID 's with same address or evidence of being on the same phone plan. I was floored at this point to be told FHA would not approve. Months of preparation and expenses 80+ emails and 30+ documents for nothing. I done research to find nothing that says FHA needs this kind of relationship from a gift donor. I can not attach all the documents of all the above discussions with Regions Bank as there are 80pages.
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| 04/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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I am the XXXX for our local XXXX XXXX XXXX. We bank with Regions Bank. In the Spring we have a big fundraiser where we sell and spread XXXX to help raise money for the kids to pay for outings, gear and Summer Camp. On XX/XX/XXXX we made a deposit that was about {$10000.00}. There was one check from a XXXX customer where the customer had written the date as XX/XX/XXXX and then changed the day from a XXXX to a XXXX. There were initials above it. The remitters bank ( XXXX XXXX ), refused to pay the item, and Regions returned it unpaid as altered and proceeded to place a hold on the entire account to investigate XXXX XXXX. The balance was over {$50000.00} and they froze the entire account, not just the {$220.00} that represented the check in question. The notice that we received in the mail only indicated a hold for {$220.00}. I went to the bank when a check totaling {$7100.00} for a trailer of XXXX was returned with a reason of Frozen account. The Regions manager opened a ticket and within a day told me the hold had been lifted from the account. We continued to do business by making deposits and writing checks for expenses. Then on XX/XX/XXXX I learn from a XXXX parent that a check we wrote him to reimburse some expenses was returned unpaid after he made a deposit into his Regions account on XX/XX/XXXX. So, I end up back at the bank to see what had happened. Apparently the hold that was to have been deleted on XX/XX/XXXX was never deleted. After my request to escalate, the manager was able to get the hold lifted by the end of the day. I have been in the financial services industry for 16 years, 15 of which was in operations for XXXX XXXX.
Here are my issues with my experience. Im sure the date being changed triggered some flow chart of policy that was followed to return the check unpaid. But if someone actually looked at the check, they would realize that the date being changed from XX/XX/XXXX to XX/XX/XXXX ( initialed or not ) has no impact on a check that isnt deposited until XX/XX/XXXX. Any check that isnt stale dated or post dated should be fine if the date of deposit is after the date on the check. If the check in question is only {$220.00}, why put a hold on the entire account balance? If there is a freeze on the account for research of deposit fraud, why not block all credits too? Why continue to let us deposit into the account? And lastly, when you send notice that there is a hold on {$220.00}, only hold {$220.00}, dont hold the entire balance. Regions has been standing in the way of 45 Boy Scouts having access yo money they have earned to pay for XXXX XXXX. And while this XXXX be the way banking is done, it definitely isnt a good customer experience. It makes people question Regions ability to handle their business
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| 12/24/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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On XXXX XXXX I opened checking and savings accounts with Regions bank and I used their online feature to do them both. I deposited {$50.00} in each account as an opening deposit.
I wanted to transfer money from my old bank and called Regions customer service to ask if I could write a check to myself and use the mobile deposit app on my tablet to deposit it in my new Regions checking account. I was told that I could and that people do it all the time. During the deposit process you are presented with 3 funds availability options and I picked the overnight option. The following morning, XXXX XXXX I checked my account and saw that the deposit had been made. On XXXX XXXX they reversed the deposit and took the money out of my account. I called Regions customer service and during the course of about 3 hours I spoke to at least a half-dozen Regions employees including a gentleman named XXXX who stated that he was an online banking supervisor.
I explained to him that the money I deposited was all the money I had to make it through the rest of the month, that I was a XXXX Veteran, and that my caregiver was off until after XXXX so I had no way to get to a branch. He stated that there is nothing anyone can do unless I go into a branch. He also told me that I had overdraft protection so if I needed groceries I could use my check card and the overdraft protection would cover it. I asked him about the fees and he said I could probably get them reversed.
I also spoke to an employee who stated his name was XXXX in the local branch and explained to him that I had no way of getting into the branch, that I 'm a XXXX Veteran, on oxygen 24/7 and asked him if there is n't anything that could be done. He stated the only way they could remove the hold is if I came into the branch and talked to the branch manager who had the authority to remove the hold that was placed on my deposited funds.
XXXX, and other Regions employees told me that the hold was on until the XXXX of XXXX. But on XXXX XXXX they changed the deposit to pending again. This had really gotten my accounts all messed up at both the old and new banks. Because I had my VA XXXX benefits and XXXX direct deposits changed to Regions it is too late to change them back to the old bank and get my money.
Then yesterday, XXXX XXXX, I received the attached letter which stated that the reason my deposit was put on hold was because they had " confidential information '' which made them believe the check that I deposited would n't be paid. How is that acceptable that a bank can use confidential information to make a deleterious action against a customer.
The whole experience has been very, very disturbing to me and I am just stunned that Regions would n't take proactive steps to help me.
|
| 05/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
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Regions Bank failed to honor the terms and conditions of a recent sign up bonus for a checking account. According to the offer promotional code ( XXXX ) , by XX/XX/XXXX , I was required to open any new LifeGreen Checking u sing the promo code. In exchange, I would receive a bonus of {$400.00} when I completed the following : Make 10 purchases with a Regions Visa C heckcard ( must post within 60 days of account opening ) Enroll in Online Statements through Online Banking ( within 60 days of account opening ) Moreover, the terms of the offer stated : The offer is available only to the person who has registered and is non-transferable. ( this is the same language in the previous offer, which was not targeted, so theres no reason to believe this is targeted ). {$400.00} bonus offer may not be combined with any other offer, does not apply if you have or had a Regions checking account on or afte r XX/XX/XXXX , o nly applies to personal LifeGreen checking acc ounts 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 LifeGreen checking acc ounts require a {$50.00} minimum opening deposit. The only checking account with a n APY is LifeGreen Preferred. No interest is paid on other LifeGreen checking ac counts. For accounts opened in Iowa, certain account fees are subject to Iow a State Tax of 6 %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient. Regions associates are not eligible. I opened my account on XX/XX/XXXX , and I completed all terms and conditions that I could. However, Regions Bank never sent my debit card to my registered address which prohibited me from completing t he 10 tra nsactions requirement. Regions states they sent the card, but I repeatedly told them I did not receive the debit card. I was repeatedly assured it would come. My address is valid and I regularly receive mail at the address. Eventually at my own suggestion I requested Regions Bank send the card to a local branch so I could pick it up. I did, but wanted to confirm I could still complete the offer. I was told no, that the time had passed. I requested the time frame be reset so i could complete the promotional terms. I was told no. I was unable to complete the promotion due to Regions ' failing to ensure receipt of the debit card. My incessant requests for the debit card shows I intended to complete the terms and conditions. The fault is the Regions Bank, not mine.
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| 06/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
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|
Web |
Older American |
|
On XXXX at XXXX AM, I called Regions Bank teller, XXXX, and informed her that five fraudulent checks had been processed and paid in my medical practice account. I was put on hold for 18 min. and the teller never came back on the line. I called the bank branch 's alternate different phone numbers and there was a busy signal all day, on all the lines.
The signature on the checks was not mine. My signature was not forged. There was a different name I did not recognize on those checks. Also, the check numbers were grossly out of sequence.
I also sent an email to the XXXX XXXX, XXXX XXXX, on XXXX, to alert him to the problem. No return phone call. I have been a customer of the bank for 39 years.
The next day, XXXX ( Weds. ), another 20 checks with signatures that were not my name were processed. I was out {$7800.00} due to fraudulent checks, not including bank fees. I went into the branch that day and informed the branch XXXX that I needed the funds stolen to make payroll. I asked, when could I expect a refund of the theft and bank fees. The XXXX XXXX opined that it might take at least 15 days. He opined to my wife, my office XXXX, that we ( myself & my wife ) were the most likely suspects as perpetrators of this theft.
At first, Regions Bank wrote that no credit to my account would be forthcoming ( see attached ). I contacted my lawyer who contacted the XXXX XXXX for the bank in XXXX, AL. This resulted in a provisional credit being issued. The bank XXXX was flabbergasted.
In discussions with other Regions Bank bank personnel, I was informed that this type of theft occurs regularly. When I tried to obtain results of the banks efforts investigating this theft, even over a year later, I was informed that this information will not be shared with me.
I did file a police report with the City of XXXX XXXX police. The investigation was opened and closed w/o discovering a perpetrator.
On or around XXXX, I was told that my Regions Bank account of 39 years was being closed. I asked why. Various bank officers said they did not have to give a reason.
I would like to know why the bank 's computer program that verifies customer 's signatures did not identify a problem-for two days running. Why the check numbers, being wildly out of sequence, did not raise a red flag, for two days running. Why I was hassled with two accounts, which at times required over an hour to transfer funds. Lastly, why did I need to retain a lawyer and pay legal fees to obtain the funds timely that were stolen as a result of the banks lack of controls and oversight.
My legal expenses and my own personal time lost should be covered by Regions Bank.
Finally, has Regions Bank identified the perpetrator and solved this allegedly recurring problem?
|
| 06/22/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
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The reason for this letter is to inform you on the amount of time it takes to get a response on a dispute. On XX/XX/XXXX, an unauthorized transaction took place on my card while I was in church. On XX/XX/XXXX, i noticed this transaction on my account. I called and spoke to a Regions Banker and I was told that I could not dispute it until the money was no longer pending. XX/XX/XXXX, transaction is no longer pending, so I called back to dispute the transaction. I was interviewed over the phone. I was also faxed over documents to sign and return. I returned the documents the same day. I was told that it would take XXXX business days up to XXXX business days. I called back on XX/XX/XXXX and was told by a Regions Banker " I 'm sorry that you thought it took XXXX days '' ... In addition to speaking to over XXXX Regions Bankers in a XXXX week period, I 'm still coming up with the same answer, " There 's nothing in the system about your request ''. " It can take up to 10 business days ''. " Please hold for XXXX minutes ''. " XXXX XXXX, there are no notes in the system, your dispute is still pending '' ... After XXXX weeks. I 'm still empty handed. I received a letter in the mail that told me to return the information within XXXX days of filing my complaint or my request will be dismissed. After looking over the letter, I realized that these were the same questions that I have already answered.
When calling this past weekend, I was told that your office had not received the information that i faxed over on XX/XX/XXXX, and then again on XX/XX/XXXX. When I was adamant about returning the documents, the representative finally put me on hold again. She came back to say ask, " What time did XXXX fax the information ( on XX/XX/XXXX )? She locates the information that I initially faxed on XX/XX/XXXX. I was then told that it 's being expedited, which i 'm not understanding because I have already reached my XXXX business day. The representative old me to give an additional XXXX business days ... This has been the biggest inconvenience for me. I had to spend additional money to rent a car and borrow money to compensate for the money that should have been in my account. Your policy on disputes is the worst that I have EVER encountered. The communication with the customer service representatives and your fraud department is awful. Your bank locations and ATM 's are a huge inconvenience and this has really pushed me to close my account and go elsewhere. I am passed disappointed in the customer service and your policy for my situation. This has literally had me scrapping up change. As of Friday, I had a utility disconnected because I have yet to receive my {$150.00}. This disconnection also comes with a {$75.00} re connection fee.
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| 01/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
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Web |
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On XXXX XXXX, 2022 at XXXX XXXX I called XXXX to speak to the institution who holds my deposits on a prepaid debit card given to me to receive my funds after XXXX donations at XXXX. Per the Fee Schedule provided my deposits are held at Regions Bank and there is some third party relationship with XXXX. Also, the prepaid card is issued by Comdata.
The reason for my call is that when I received the prepaid card at XXXX at the beginning of my relationship the card was in a sealed envelope which contained a prepaid card attached to a schedule of fees ( XXXX side was the Welcome letter the other side was the list of all fees ). Per the schedule of fees there are only XXXX ways to access your funds free of charge after XXXX donations. Either by conducting a POS Transaction as a credit transaction that requires a signature or via Bank XXXX Withdrawal ( for banks participating in the XXXX Network ). I called to ask where I can make a Bank XXXX Withdrawal to withdraw my funds without being charged. The Operator explained that what I was seeing on the schedule of fees is not associated with my debit card but with their payroll card. I explained the fee schedule was confusing and deceptive because it appears there is a way to withdraw funds from the account without being charged but only after I called them am I being notified that was wrong. I told them about XXXX and that this fee schedule was deceptive as there is no way to withdraw funds after I make a XXXX donation without being charged. The bank works with XXXX as an in-network ATM, the cost is XXXX if you withdraw your money and it is XXXX if you withdraw at a POS system. The Operator acknowledged that it was deceptive but she provided no further assistance. I would reccomend that regulators listen to my conversation with the bank at the time listed above. They let me know the call was recorded.
I want the bank to update their fee schedule so they do not receive consumers. When I told the bank about the issue they pushed the blame to the XXXX donation center. I told them they could not absolve themselves of responsibility just because they give a third party authority to issue prepaid cards and the cards are sealed in envelopes sent by the bank. The Supervisor at the bank was not concerned about it even though I recommended they communicate with whomever has authority to enhance their fee schedules. I fear they are taking advantage of XXXX people who donate their XXXX and might rely on the payment and are not aware the bank is making every effort to deceive the donors and take part of their income. There are other prepaid cards for XXXX centers who have chosen not to charge fees for the first withdrawal after a XXXX donation ( for example, XXXX XXXX ).
|
| 04/24/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Here is a copy of the letter that I emailed to the company today. I tried to contact XXXX XXXX XXXX but their website does not allow the submission of letters with any type of punctuation and I felt that my submission would be grammatically incorrect and mis-founded.
XX/XX/2019 XXXX XXXX President and Chief Executive Officer Regions Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Alabama XXXX FDIC Field Office : XXXX FDIC Supervisory Region : XXXX, GA Federal Reserve District : Washington Re : Bank Statements Dear XXXX, I have difficulty making deposits for a family member on a personal account that they have with your bank. When I researched your bank insurance information online from different websites I found conflicting information. Some of the sights show that you are FDIC insured and others show that your customer accounts are not : Investments, Annuities and Insurance Products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition of Any Banking Activity Only bank deposit products are FDIC insured.
Member FDIC.
Your companys profile ( file : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows that you are FDIC but that your main focus is, Commercial Lending Specialization which may be why I get nervous every time I walk into the bank to complete even a small deposit. Also, your customers bank statements do not reflect personal ownership, meaning their name is not listed on the bank letterhead with their account number. This leads me to believe that you are not properly insured for consumer personal account and that anyone can use the funds from someones personal account without a transaction being easily traced. I have had an account with Regions Bank in the past and I always had an accelerated urgency to spend my funds as soon as I deposited money into my account which caused fees. In a small town or city the customer is being targeted if they can not determine how often they spend their personal funds or in what order their purchases will be paid.
To resolve the problem, I would appreciate your action properly insure consumer accounts against fraud from the bank employees as well as the general public, discretely indicate on bank statements that a customers account number belongs to them, allow the use of first, middle, and last name ( and/or initials ) on bank accounts and statements to insure that two individuals with the same name or initials do not get their funds mixed up.
I look forward to your reply and a resolution to my problem.
Sincerely, XXXX XXXX XXXX, Attorney Pro Se, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 2019
|
| 05/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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On XX/XX/2019, I had 8 pending charges ranging from {$0.00} being the smallest to {$140.00} being the largest. The attached statement from my online banking account will reflect that the balance of my account beginning XX/XX/2019 was {$110.00} after the first entry for that date was credited as a deposit of {$55.00}. The overnight reorganization and posting of debits/credits occurring on XX/XX/2019, reflect that the {$110.00} covered 7 of those pending charges with an ending balance of {$48.00}. The last of those pending charges remained pending on XX/XX/2019. On XX/XX/2019, Regions Bank assessed 6 overdraft fees associated with the 7 charges that posted that day at {$36.00} each, resulting in fees in the amount of {$210.00}. On XX/XX/2019, Regions sent a notice with some kind of reorganizing debit math formula to validate their {$210.00} worth of fees that they claim are overdraft fees for their payment of the 7 charges on my behalf. However, the online banking statement clearly shows that those 7 debits were paid with my own money, leaving a balance in my account of {$48.00}. As of XX/XX/2019, there was still a pending charge for {$140.00}, which had not yet posted, but for which 1 overdraft fee should be rightfully incurred once the pending charge is actually posted to the account. It seems unethical to me that a bank can assess overdraft charges based on a pending payment that has not yet posted and claim that the pending payment caused charges that previously posted to overdraft the account when there was a {$48.00} balance in the account after those charges had posted. I thought this may perhaps be an error, so I went to a local branch of the bank where a teller attempted to explain that the pending charge of {$140.00} was posted to the account before the other 7 charges, which caused the 7 overdrafts, but as a courtesy they only assessed 6 overdraft fees. A courtesy? Every single one of those 7 charges were paid with my own money with a positive balance left over, for which they charged me {$210.00} in overdraft fees, but it was a courtesy to me that they only charged for 6 and not 7? As my online statement clearly reflects, the other 7 charges were posted to the account before the {$140.00}, as the charge for {$140.00} remains pending as I write this complaint. The teller was not able to provide any printout or evidence other than her word that the {$140.00} charge posted before the other 7 charges that were posted on XX/XX/2019, nor was she willing to refund any of the fees. The only evidence that exists of the posting order of the charges on XX/XX/2019 is the online statement I have attached hereto, which shows 7 debits posted with a balance of {$48.00} and a pending debit of {$140.00}.
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| 12/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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I was attempting to buy tickets for a concert in XXXX on Tuesday, XX/XX/XXXX, XXXX XXXX were playing. I was trying to buy tickets off XXXX the day of the concert, which I've done in the past. Someone agreed with me to sell the tickets at a reasonable price, two for {$240.00}. The seller wanted to do the transaction via XXXX, I never used XXXX but presumed it was safe because it was linked with my bank. I attempted to transfer the funds to the Seller at the email address XXXX, but the transferred failed to go through due to an error with the Seller 's XXXX account. I usually would have been alarmed by this but the seller was incredibly pleasant and immediately suggested we use his wife 's account at XXXX and he gave her name as XXXX XXXX. The fact the account was already set up and he provided a full name that was associated with the XXXX account reassured me to send the money. I sent the money and texted the seller if his wife had received it, he said they could not tell. I noticed that the XXXX transaction stated it was received so I asked again and the seller told me to simply hold on because he was out work. I got very frustrated after ten minutes and proceeded to repeatedly call the Seller, but the Seller did not pick up. It appears the number is still in operation, I tried calling it from an unknown number today but no response. The seller 's number is XXXX I called my bank, Regions, the next day after it happened to see if I could get the transaction blocked. The Regions representative was nice and sympathetic, he told me that they should be able to block it and that it would take 3-5 business days. I made this call on Wednesday, XX/XX/XXXX. I received a peculiar notice ( attached below ) that the regions disclosure statement and agreement for electronic banking services had been amended on XX/XX/XXXX. Interestingly enough, the amendments were primarily to the section regarding XXXX and other payment services. Section 7 covering refused and returned transfers was amended, the section now states that Regions will use reasonable efforts to block prohibited transfers and return funds. I'm curious as to what the section said before. Nonetheless, I called Regions on Wednesday, XX/XX/XXXX because it had been 5 business days and they informed that my funds could not be returned because XXXX does not have a fraud prevention policy when the transfer was authorized by the user. I felt betrayed due to my belief that the transfer was through my online banking portal it would be safe and that Regions would prevent or reverse any fraudulent transaction. I was sketched out about the curiously timed amendments and by the fact that Regions did not contact me when they knew my funds could not be returned.
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| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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In XXXX I opened a Regions checking account. I deposited 3 checks I believe. There was some type of an issue with 2 of those checks. When I tried to withdraw the {$900.00} from my account the debit card did not function and neither did my online bsnking. They told me the account was locked for security reasons. When I tried contacting them about a week later they said the account will be closing and never gave me any explanations about anything. A fee years later I noticed that I was still receiving emails from them so I decided to call to find out what's going on. The woman I spoke with on the phone told me thst I do not have any accounts with them.
While checking my email 2 days ago and I saw a bunch of emails from them. So ideside to try to log into my online banking. This time I was actually able to reset my online banking password and I was able to log in. I saw that my balance is {$430.00}. And i saw that for the past 5 years they have been charging me {$8.00} every month. And that the account that was supposably closed has actually been open all this time. So the very next day I went straight to the bank. To take out my money and close the account. When I went to the teller window she said that my account is inactive and that she needed her supervisor to approve it. Once that was done the teller informed me that they are not allowing her to give me the XXXX So I sat down and waited for a banker to attend me. He looked at my account and said that if I take the $ out they will have to close my account. I agreed. And then he said that he is not able to give me my XXXX He emailed someone and told me that I need to go back the following day and thst once he gets the approval from corporate office he will be able to give me my XXXX
The next day I went to another branch closer to my house. And I was not able to get my funds.
I don't understand how is it that they tell me that my account is close. Then I find out its not. Then when I try to get my $ they say the account is frozen and the funds are pending. Yet they have been charging me {$8.00} a month for the past 5 years which totals a little over {$400.00}. For service fees. And now they don't want to give me my {$430.00}. I'm pretty sure they just want to keep charging me {$8.00} a month for the following years until the account is at XXXX. And they will close it. Really I feel like they should reimburse me for that XXXX The banker from the other day said that it looks like there was some type of fraud on my account. The only fraud I see going on is regions bank stealing $ from me little by little. And not giving me access to my $ to make it easier for them to steal it. " Stealing '' is the best way I can describe what they doing to me.
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| 01/21/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Bait and switch by Regions bank to sign up for a new bank account.
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ).
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information.
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX.
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida.
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| 04/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am a joint account owner on my XXXX father 's checking account at Regions Bank. My father is in an XXXX XXXX facility, so he does not have credit cards or a wallet and at some point in the past year a new checkcard arrived for our joint account. The card was in his name. I put the card away in a wallet with my own credit cards and never used it.
On XX/XX/2019, my wallet was lost/stolen. Someone gained possession of my wallet and began attempting to make purchases of about {$2000.00} at a local XXXX pharmacy. They tried using two of my credit cards, but my credit card companies flagged the activity as suspicious and declined the charges. The person who had my wallet did manage to successfully use my father 's checkcard to make two purchases at XXXX.
The purchases, which were made on XX/XX/XXXX and posted on XX/XX/XXXX were one for {$1000.00} and one for {$830.00}.
I alerted Regions Bank to both purchases immediately, the afternoon of XX/XX/XXXX, as soon as I discovered it. I asked them to close my father 's checkcard, which they did. They asked me to wait until the transactions posted to formally dispute them.
On XX/XX/XXXX, the transactions showed up as posted on our account so we called to formally dispute the charges. We explained that I had possession of the card, but that my wallet was stolen and that my father had not authorized anyone to make purchases with his card. Furthermore, the Regions representative confirmed that the last time the card was ever used for a withdrawal was almost a year ago. This card also is never used to make purchases and very rarely is used to make withdrawals, so although we do not know what triggers a fraud alert, it would seem that these large purchases should have been identified as suspicious activity by Regions.
On XX/XX/XXXX, we received a letter denying our dispute. The reason given was that the transactions passed " fraud analysis. '' Again, this is confusing, since a pin was clearly not used in making this purchase and certainly my father did not sign for whatever was purchased.
We have appealed the decision and provided additional information, including a police case number and a report of identity theft we made with the FTC. Our recent communications with Regions, however, indicate that they are not inclined to reverse their decision, despite the fact that we have now told them we made these reports to the police and the FTC and we also provided them with evidence that I reported the fraudulent activity with my own cards ( although the transactions never went through ) and I have been issued new credit cards as a result.
I am attaching a fax and documents that we sent to Regions in an attempt to appeal their decision.
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| 08/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, REGIONS BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 10/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms.
In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors.
I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic.
In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap.
During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans.
That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to you.
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| 07/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.
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| 06/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account.
I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.
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| 03/24/2022 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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My mortgage is through Regions Bank in Missouri. At or during the time when the United States Government enacted the Covid-19 Forbearance, I called Regions Bank to inquire about this program. I asked many questions, to include asking the employee handling this Regions Mortgage Forbearance Program, to include is there anything I should be warned about ahead of time, will this affect me or my credit on the tail end of this option. So, by accepting this Covid-19 forbearance through Regions Bank , would it be reflected on my credit statement on either three of the credit reporting agencies. The employee stated equivocally and totally that it was a NO. That by entering into a forbearance, it would NOT be reflected on my credit and yet I am still fighting their credit determination and reporting practices because the forbearance was reported to my credit as non payment. I am in understanding that he was a low-level employee and that was not a question he was eligible to effectively answer at that time. I say that because now I am finding out through proof of this company 's handlings with my report and the short comings in which it not only was but is still being handled. I feel they are at blame in this matter because what I was told by their employee and the fact that it should be on record, by the statement they told me during every phone call is that all phone calls are recorded. So, if this is true then all of my phone calls should be on record in regard to this matter, even going back to when I first signed up for the program in which I am referencing and should be able to be accessed to this case.
My issue is that when I first called, they, the employees at Regions Bank on a recorded phone line informed me that nothing would affect my credit or reporting of my credit from going into the Covid-19 Forbearance Program enacted by Congress.
Secondly, when i have checked my credit, I see that this forbearance through Regions is yet still reflected on my credit, through all three credit reporting agencies. My issue with this bank and their reporting, is that I was promised by a Regions Bank employee in the mortgage department that by entering into the Covid-19 Forbearance Program set in place by our government that it WOULD NOT affect my credit. It however is being shown on my credit and I am very upset about this. I am a veteran, and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX through the VA. I do not appreciate their actions or response to my inquiry about this and it has not been done in a timely manner and or handled in a respectful manner. I feel I am owed this by my service to my country at the least.
Thank you for your time in regard to this matter.
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| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Debit card for Regions bank account stopped functioning in readers around XX/XX/XXXX. When I went online to request a new card, I discovered the address was outdated and I had to update it. Customer service advised me that updating an address blocked me from requesting a replacement card for at least one week.
Efforts to move money from Regions account to an external bank account associated with the same SSN were not successful. It appears Regions was also not able to complete those transactions. This blocked another option for accessing my funds.
XX/XX/XXXX I requested a new card through the usual online process. According to customer service, card was mailed out on XX/XX/XXXX.
On XX/XX/XXXX I discovered that Regions has separate address lines for each account, and I had only changed the address for the " global '' settings. I contacted customer service to make sure the card was sent to the correct address and customer service verified the address line by line. I was advised to be patient for the card to arrived.
On XX/XX/XXXX I contacted customer service when no card had arrived. Customer service asked me to verify the address ( same one as was verified by them on XX/XX/XXXX ) and when I did that, they informed me the address had most likely been misprinted, making the replacement card undeliverable. They advised I call a phone number to get an expedited replacement.
Any efforts to contact Regions by phone have only resulted in getting stuck in a voice memo system. I returned to customer chat. They informed me they would charge me {$25.00} for an expedited replacement, even though the error was completely on them. When I persisted in saying I would not accept those charges and still expected a replacement card in a timely manner, they suggested I was to blame because of the address change a week prior to my request. When I presented them with evidence that they told me they sent it to the right address on a chat on XX/XX/XXXX, then told me they misprinted it on XXXX, they went back to telling me they were obligated to charge me to expedite my card.
We have gone a month without debit card access to our account funds. While we can move some money digitally, Regions has greatly restricted our access to our own money by their own poor customer service. We have to pay some expenses with cash or a bank-linked card, which we were using the debit card to pay. With that option unavailable, I have had to pay {$20.00} in transaction fees through this bank ( so far ) in order to move our cash to places that we can access it. I should not have to pay money to access my money, nor should I have to pay a bank extra fees for them to fix their own mistake.
|
| 12/28/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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After my Fathers death mid XXXX, my mother and I tried to regain control of an account managed by him for which my mother and me are currently co-owners. My parents are international customers living in XXXX, I live in XXXX. For that account a card was existing but the ATM pin was unknown and no cheques were existing.
It was nearly impossible to contact the bank throughout several months as a key number ( social security number ) is needed to make the phonecall and all known personal contacts at the bank branch were not responding to emails/phonecalls.
We managed to get through on XXXX XXXX to the branch and the director agreed to send to XXXX a card and a cheques book to regain control of the account. Nothing ever arrived.
We managed to get through again on XXXX XXXX through the XXXX number and the person attending agreed again to send a card and cheques. Nothing ever arrived.
Between mid XXXX and mid XXXX, all money in XXXX different accounts was spent from XXXX XXXX XXXX XXXX using a single card. In order to do this also money was transferred between accounts within the bank ( from an account for which no card was existing to the one that was accessible via the card ). The card number and type used is still not known to us as the bank has refused to provide any information.
We ( my mother and me ) traveled to the branch personally and placed the claim personally.
After less than one week, we found out that the claim was denied.
After this, I reviewed the claim to figure out that it was wrongly formulated and requested a correction via the branch. It is not clear for us if the claim was updated for such correction.
In addition we requested more information regarding the reasons why it was denied as well as more information to enable further investigation from our side. The branch has, after more than XXXX requests, not provided such information.
The claims department indicated that XXXX leters have been sent explaining the reason for not accepting the claim but none of these have arrived so far ( after almost 2 months ).
Through the branch, I requested an account statement to find out that most of the account fees and XXXX fraudulent transaction had been refunded back ( total amount of fraudulent transactions is around XXXX and fraudulent transfers XXXX ).
After contacting the claims department, they insist that the claim has been fully denied and that no refunding has taken place.
I have been trying to get information from the bank but just get forwarded from one section to the next one. Waiting times are considerably long ( last phonecall was 2 hours long until the call got forwarded once more and there no audio was available ).
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| 05/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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This complaint is for the Regions Bank Fraud Department. On XX/XX/2023, a reputable meat wholesale company in XXXX, XXXX posted on their business XXXX Account a sale of puppies. I messaged the company directly and was advised there was a deposit required. I obtained the CashApp information, and within 30 minutes I realized that their business XXXX Account was hacked and I was a victim of fraud. One of the Administrators of the Account contacted me and advised their account was, indeed, hacked and unfortunately, they were not selling any puppies ( 30 minutes after the transaction ). In trying to resolve the issue with XXXX, a representative advised that they were not going to help me obtain the money from this account and it was not their responsibility to provide a refund due to a scam. I submitted the dispute with Regions Bank and was not provided a response. I contacted the Bank virtually and was told they were not going to credit me the {$250.00}. In speaking with Regions Fraud Department, they advised that they were not going to provide a reimbursement for this and that I was supposed to obtain the refund through the third-party ( XXXX ). At this point, I requested that the representative from Regions Bank Fraud Department submit a complaint of their practice to refund victims of scams. I have been a loyal customer with Regions for over ten years, and they were unwilling to refund a {$250.00} transaction.
I understand the situation that I am in. It was my decision to send money through an application that is not secured thru FDIC ; however, I find it hard to believe that this also happened to my mother a few weeks ago ( another victim of scam with XXXX ) and she was able to get her money refunded within 2 days time. If the Regions Fraud Department is able to provide this assistance to my mother, why could they not do this for me as well? I have been a loyal ( preferred ) customer with Regions Bank for over ten ( 10 ) years and I have never called to dispute a scam or fraudulent charge. The email alone is more that {$250.00} but someone has to figure out how to stop these companies from allowing your customers to be victims of scams and have their hard-earned money taken from them.
Again, the wholesale meat company is a reputable company in XXXX, XXXX and there was no way for me to know that their account was hacked or compromised. For the Regions Fraud Department to not provide a one-time grace for their customers to understand this is a big issue in the United States and not protect their customers is sad. It's only {$250.00} and I can only image how much they have received from my overdraft fees and interests on money in my account.
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| 04/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I have had an account with Regions for over 20 years. A Free account ; when I lost my job 5 years ago I was told as long as I had XXXX deposited into the account it would be free.
I have been charged for this account {$3.00} and {$8.00} here and there for a FREE account. I have been with Regions for over 20 years ; this past XXXX they started charging NSF fees on pending transactions ; which I have never seen. I was always told that they do not do that in order to give you a chance to deposit money into the account. I went back and forth and every agent agreed with me, but because Regions put a block.. I was told no one could correct it even though they could see it was not my error. I finally filed a claim and the bank returned my fees after months of fighting. Finally my account went in the negative over a bank monthly fee. For the banks fee i was charged a {$36.00} NSF charge, and as long as I have had an account.. that has never happened even if I did not have the money to cover the fee. The young lady gave me the {$300.00} fee back, but I'm still left with the {$36.00} I told her I was closing my account because this is absurd. Now here we are again with Regions has been getting over on these fees since the pandemic. I am one of the ones that has been out of work due to the pandemic, and recently ill from XXXX. Here recently they charged me for XXXX NSF fee charges, but only XXXX item overdrafted my account. Then I was charged another {$72.00} for XXXX items that were covered by my deposit. I have a record that shows I had a {$440.00} deposit on the day they charged me the {$72.00} ; that should not have been. I'm still recovering and trying to stay on top of my affairs when I was sick.. still sick ... no compassion from the bank, and their ledger shows something different from what mine shows ; that they provide for me/consumers to see, but it's different so they can charge up these fees. I want my fees reimbursed and the block lifted from my account. Per your agents who said it's a bank error ; stated they could not do anything because of it. I feel like the block was out in for retaliation from a branch manager at the XXXX location, because I went above her. I just want my fees back and I will leave your bank because I feel they do not want me as a customer. Because of this ; it has put all of my bills out of sync with these fees they process as they want but differ from the ledger on online and app banking so they add what they want. So I will probably incur more fees because I didnt account for them adding fees when there is an actual deposit ... so if I incur anymore fees due to the current situation. I want those reversed as well
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| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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I just received a debit card from XXXX XXXX starting Friday, XX/XX/2022 as a brand new plasma donor. XXXX gave me a sealed envelope stating the card inside was mine and would be loaded with payment each time I came to donate plasma. Inside was the card, attached to a list of fees. I did activate the card that day, but did not use it. When I looked over the list of fees for using the card, " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) '' said the fee would be {$0.00} to do this. This is the way I would like to receive funds off my card, as I will be taking the money to my daughter 's school for her tuition. The school does not accept credit/debit cards, so I needed the cash off of the card. When I saw this item on the fee list, I thought I would not have a problem doing a cash advance ( what the bank calls it ), at a bank. So, I did make a second plasma donation on Wednesday, XX/XX/2022. When I went to one of the two XXXX banks I use for cash advances ( my job also puts our paychecks on a card, but that is a different card company ), the teller said the card declined. She said I would have to go to another XXXX location because they can only run a card once a day, per branch. So, when I picked my daughter up from school, I tried the other XXXX bank I use and the teller there said my card was declined again. I had called the number on the card before leaving and I knew the money was on the card, so I was puzzled and aggravated that my funds were unavailable to me. Later on in the evening, about XXXX XXXX EST, I double checked the fee schedule, then called the card company, Comdata/Regions Bank XXXX to find out what was going on. I apologize, but I did not get the name of the representative who spoke with me. She said that the only way I could use money from the card at no charge is if I ran the card at a store. In order to get physical money back, I would have to pay {$.00} for cashback at a store, or {$1.00} at an ATM. I told her that it plainly states on the list of fees {$0.00} cost if withdrawn at a bank, she said no. We went back and forth but the answer was still no, even though I had this brand new card with the enclosed fee schedule saying that was the case. This is very, very upsetting and I personally see this as scammy. I don't feel I have to pay an ATM or store to give me my money that is owed to me 100 %!!! Especially if I have the paperwork that says I can do what I wanted to do. Not right!!!!
By the way, the pay card from my job, which I withdraw cash advances from every two weeks at one of the two XXXX banks I referred to above, is a Mastercard. So, those two XXXX banks do participate in the XXXX XXXX.
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| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I have XXXX checking accounts with Regions Bank. My main account into which my direct deposit was paid became overdrawn because i went on unpaid leave and no deposit were going into the account. Because I know there is a time limit to how long accounts can remain overdrawn before being charged off, I called the Bank to ask what my options are since they state that there are hardship options available. I called the Bank on XX/XX/XXXX. The representative told me that I had until XX/XX/XXXX to clear the overdraft or the account would charge off. She said if that happened, I would have to call Collections and make an arrangement to pay. I asked if there was any help that the Bank could offer, and she said no. I had some funds coming in from a parttime job which were about 40 % of my normal pay but it would be just enough to pay my bills. Those funds went into a different regions account that I use to pay my bills. The first of those payments came in on XX/XX/XXXX. Regions debited {$640.00} from that payment which cause a number of my bills to be returned unpaid. I was charged {$250.00} in fees for those payments which were returned. I thought it was an error and was waiting the funds to be credited back to my account. Unfortunately, I had a health emergency and couldn't follow up immediately. The second payment came in XX/XX/XXXX for {$1400.00} and Regions took almost all of it including the fees leaving me with {$2.00} in my account. When I called Regions on XXXX to ask what was happening, I was told that the collections department had taken the funds to pay down the overdraft on the other account. I said that nobody had notified me of this. I was told to call the collections department which I did. The first thing the agent told me was that I owed Regions money and they could take money from any account to pay their debt. She said I could have avoided that if I had set up a promise to pay on the original overdrawn account. I said I was never told that when I called in or I would have done that. I explained that because Regions had taken the money leaving me with only {$2.00} I wasn't sure how I was going to be able to eat. She recommended that I try a local food bank and said there was nothing they could do to return any of the money or the fees. In the meantime, I had incurred another {$250.00} in fees because all my payments had been returned because the money that was in my account to pay them had been taken out. So now both my accounts are overdrawn and I have been charged {$500.00} in fees. I called and asked if the fees could be refunded and I was refunded {$72.00} as a courtesy because the fees were correctly charged.
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| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I as of this last year having been banking with regions since I was XXXX roughly ( I am XXXX now ) as of this last year I have seen nothing but errors and miscalculations running through my account causing me to get charged in overdraft fees AT LEAST ONCE EVERY OTHER MONTH. I have proof of this miscalculation today with a paper from the company with my insertion of money because I was on my last XXXX dollars in the account of XXXX. Yet for 4 days it had told me I only had a mere XXXX left. My online statement says otherwise and changed stating I in fact had {$520.00} at that time ( so a sudden influx of money made no sense. THEN I run negative into my account today stating XXXX XXXX from all of these charges that should have ran days ago and they have recrunched the numbers accordingly they are either stealing money or purposely running different numbers so that I am forced to pay a penalty fee. Others say when I asked that it just takes a few days for certain charges to run through however that should not be the case either. ( However I tested this theory ) I would wait and numbers would strangely enough STILL change. I have noticed numbers being off consistently and Im either running negative or have more than I should and it feels like my account is nothing but a game of tag. And if that were truly the case of things of not going through immediately why is it that everytime I make a purchase through a day the numbers go lower ( as normal one day ) and the next day they are not the same numbers ( I have been trying for months to hold out with my account to prove something is wrong with this system but I it would seem this issue strikes at random. However all I am aware of is I have had this account for years and NOTHING has been a problem until the end of last year THEN it proceeds to get worse. I suggest this company be investigated. I have also noticed as of today that this bank already has A LAWSUIT for the same exact issue for someone elses company and I believe they are scamming people DOING THE EXACT SAME THING TO OTHERS TO PAY FOR THIS LAWSUIT. I would also like to add my account is supposed to be protected by overdraft however that is hard when doing online purchases ( as I have been informed over the phone ) it still should not run when trying to purchase something and I have noticed that if my card doesnt run then I dont have the funds ( including online purchases ) so if that is the case why do these purchases continue to run as well as change on my page telling me different numbers one day if I in fact didn't have the money at the time why would my card run in store? No one else could answer that either.
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| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On the afternoon of XX/XX/2023 I recieved a call from a person impersonating Regions Bank saying that my credit card had been hacked and we need to shut the card down. When speaking to this person they had all of my banking information and personal information, and they asked me to verify so we could deactivate the card, so I did. Once this person was able to access my account, they made XXXX XXXX payments out of my account for {$17000.00}, {$39000.00}, and {$42000.00}. I learned about this on the morning of XX/XX/XXXX simply because when i arrived at work my employee notified me that my phone number had been hacked. I found out that when i was speaking with the person impersonating the bank that they had somehow activated my call forwarding and all of my phone calls were going to that person. As soon as I realized the last person who had called me was from the bank, I checked my account and noticed these transactions and immediately called the bank to get them stopped. I spoke with the fraud department at the bank, and they assured me that they would have this resolved in a matter of a few days and that no other action was needed on my part including no need for a police report. After checking on my account multiple times a day for the next few days and not seeing my funds returned i went to the branch and spoke with them in person on XX/XX/XXXX. When I was at the branch the lady pulled up on her computer that my funds were not there, and the reversal of the transactions just came in that morning and that they had not showed up as of Saturday XX/XX/XXXX, she was not sure why they hadn't showed the reversal before that time but she just brushed it off and said that we should be in good shape now since it was showing there. After meeting with the bank in person a couple weeks had gone by and then i was called by the branch manager and i was told that I needed to get a police report filed because they are now classifying it as an identity theft case. I was angry with him because i had asked on the first day of learning about the incident and i was assured that I did not need to file once because they handle these things in house and i would be taken care of. I immediately went to the sheriff 's department and filed a report on June 26,2023. Since then, we have filed a subpoena for all of the information from Regions Bank and they were to reply within 15 days, on day XXXX they asked for a XXXX extension and the prosecutor granted that. that extension. That extrension came and went and it was a little over 2 months before they provided the information and once we had it the information requested was not in the subpoena.
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| 11/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XX/XX/XXXX Regions Bank Mortgage Loan Number XXXX XXXX XXXX XXXX Senior Executive Vice President Head of XXXX XXXX XXXXXXXX ( XXXX ) XXXX Regions Financial Corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Tomorrow is XXXX and I am crying.
I need your agency to dialogue with Regions Mortgage Department as I had agreed to a lengthened mortgage to resume at the same amount but extended in time to cover the pause in payment. It was the only way I could agree to forbearance.
Forbearance on my mortgage started in XX/XX/XXXX with an interruption of XXXX payments of XXXX in XXXX XXXX. I resumed forebearance in XXXX of XXXX again with my written and verbal communication To Regions of repayment restart at same monthly amount and an extension of when mortgage payment would end.
Forbearanace ended...
A snail mail received XX/XX/XXXX stated I owed over {$7000.00} or could declare bankruptcy and go into foreclosure.
In XXXX I applied over the phone for a forbearance pause to my mortgage with Regions bank. I was clear that the only way I could do this is if, at the end of the pause, I would resume my regular payments and the mortgage would be extended to reflect a longer time to pay with the same monthly amount and rate.
I continued to believe this was okay when on the phone and by email I continually stated this, verbally and by email, during this period.
I even interrupted the allotted time with XXXX payments in XXXX and XXXX XXXX XXXX of {$950.00} which was the monthly mortgage payment they agreed to. This acceptance of the monthly amount allowed me to think they understood my understanding and that they agreed to what I could do when the forbearance time was up.
It was only at the end of the forbearance period XXXX days ago, near XXXX, I got a snail mail stating I owed over {$7000.00} with a caveat I could declare bankruptcy and go into foreclosure.
I am a XXXX XXXX XXXX XXXX who has worked through many pandemics and currently I am high risk for COVID. I would never have agreed to this program ( clearly stated to Regions ) only to be met with a high payment and the option of bankruptcy and foreclosure/homelessness As a XXXX and prior frontline worker during COVID I am high risk and very clearly stated multiple times both verbally and by emails I could only start forbearance if at the end I could go back to the original monthly payments with an extended mortgage end date to cover deferred mortgage payments.
I almost ended up in the local ER when I got the surprise snail mail from Regions stating the above.
Happy XXXX and XXXX but not to me, a senior citizen, XXXX XXXX XXXX, XXXX
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| 12/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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XX/XX/XXXX : We were trying to buy a kitten for my children for XXXX. We found what appeared to be a legitimate, professional looking website, with names and contact information, testimonials, everything seemed above board. I submitted an inquiry via the website and they responded by text. They then emailed me photos and we agreed on {$600.00} for the cat, and {$200.00} for the delivery, as we live in different states. They requested some delivery information for the kitten- name, address, closest airport. They asked that I transfer the payment through XXXX, a service my bank, Regions, offers but I had never used before. It appears in my banking app and on my desktop online banking, right in the payments section so I simply assumed it was a credible payment method. As I had a daily limit of {$500.00}, I had to make 2 separate transactions.I sent {$500.00} on XX/XX/XXXX and the other {$300.00} went through Monday, XX/XX/XXXX. Once they received the money from the second transaction, they said the shipping company would contact me. Later that day, I received a text from the shipping company saying they were trying to arrange delivery. I said, " Great, when can I expect? '' They responded with, " There's a little problem we're facing which we need to resolve ASAP so we can proceed with delivery. We sent an email on what we're facing. '' So I checked my email to find an email saying the crate provided by the seller is very small and won't sustain the kitten throughout the flight because of the harsh weather conditions, and I need to rent a special, auto-regulated crate for {$1400.00}, which is fully refundable upon delivery of my kitten. They would send me the policy stating that it's fully refundable once I make payment. I was immediately suspicious and questioned why it was my responsibility, and not the sellers, to provide an acceptable crate. From there, I immediately knew I had been scammed, and told them so, and they told me they would be sending my money back. Yeah right. I immediately contacted my bank to dispute the transactions and alert them to the fraud. After being transferred to a few different people/departments, I was told I have no recourse, as XXXX is not protected and there is nothing I, nor Regions, could do about it. So now I don't only have XXXX heartbroken children who won't be receiving their kitten for XXXX, I am also out {$800.00}. I have been a loyal Regions customer for 5 years and do a lot of business with them. To just hear, " Sorry, there's nothing we can do, '' is not acceptable. They should not endorse a service with such lax policies and zero protection for their customers.
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| 12/02/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
- Application denials
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Web |
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I recently met with local branch manager to discuss options for HELOC. I was concerned about a drop in my credit score over the last year, and a fair amount of debt. I wanted to see if I had options prior to diving into an application that would ultimately have a further impact on my credit score from a hard inquiry. The manager told me my credit score was fine, and we could proceed with application for a {$36000.00} HELOC. He was confident of success, especially as we would consolidate some of my debt.
However, the application was ultimately declined, due to " not meeting their underwriting scoring criteria '', for the following reasons : 1. Too many recent inquiries 2. Number of accounts over 30 days delinquent 3. Insufficient mortgage credit history/not enough information The only one of those three reasons that is accurate is that there have been a few recent inquiries on my report.
I have NO delinquent accounts showing on any of my credit reports, and Regions Bank have failed to provide me with information about these alleged delinquencies ... they refer me back to the credit bureau, which has no derogatory information.
Also, Regions holds my mortgage loan so I am baffled as to the allegation of " lack of information ''. If they mean that I simply have not held my mortgage loan long enough, why did the allow the process to start? Again, they hold my mortgage so they knew at the start how long I have had it I approached the manager in good faith, with all my cards on the table. My mortgage information has always been available to them from the start, since the loan is held and serviced by Regions. At the very least, I should be entitled to a copy of the negative information that was reported, and the source so that I can fix any inaccurate reporting. I should not just be fobbed off and told to ask the credit bureau - who is clearly not the source of any negative reporting. I monitor my credit very closely and I have no derogatory information on my record.
Their " underwriting scoring '' practice is very concerning to me ; I was approved for my first mortgage of {$120000.00}, by the same bank, with less than FIVE MONTHS of full time employment ( I had been unemployed for ten years prior to that ). I have banked with Regions for five years, have checking savings and a personal line of credit, all of which have been conducted satisfactorily, without as much as a late fee or overdraft fee. How do I not meet these " secret scoring requirements '' after three years of stable employment and credit, but can get more than 3 times the ask with little to no history? Sounds a bit dubious to say the least.
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| 04/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
Servicemember |
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***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***
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| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently wrote to Regions Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Regions Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Regions Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Regions Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Regions Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Regions Bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Regions Bank is seemingly willfully noncomplying. Furthermore, Regions Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Regions Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Regions Bank continues to falsely verify as accurate. This has to stop at once!
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| 07/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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I had an new hvac system installed in my home in XXXX. The contractor offered financing with XXXX. I was approved and had the work completed. I started making payments right without issue. Fast forward to XXXX of XXXX I received a letter in the mail from XXXX stating they were changing over portals but that as an auto draft client I wouldn't need to do anything. In XXXX I noticed my payment wasn't auto drafted, so I called. I spoke with a representative who advised they were having issues with debit card auto drafts. I made a payment over the phone with her that day and she said I needed to set up a new auto draft with my bank account information. I gave her all the information and was told I would be fine for XXXX. XXXX came and two payments were deducted from my checking account. One went with the debit card and other went with my bank account information. I called XXXX and was advised that they did not see how that happened but that my account was credited for two payments and that I didn't owe anything until XXXX. XXXX came and once again they took two payments. At this point I tried to call XXXX again but the phone lines were down. I sent an email, no one responded. I contacted my bank and opened a investigation and advised them to please block any payments that they try to take. My bank finished the investigation and did show this was an error on XXXX part and refunded me the double payments. I contacted XXXX to try for a resolution. Every time I am told that they do not see any auto draft info. My online profiles have been deleted per my request, all payment info has been deleted per my request. XXXX came and they once again tried to take a payment, which was blocked. Each time this happens they are charging me a XXXX Insufficient funds fee which prompts me to call and have it reversed since none of this is my fault. They have reversed fees but no one can give a resolution. I asked to speak with a manager or supervisor in XXXX but no one called me back. As of today XX/XX/XXXX they have tried to take another payment. I called this morning right at XXXX when they opened, explained the entire situation again. I was advised a manager would call me back. I do not have confidence that I will receive a call back, I do not have confidence that this issue will be handled. I have been told by numerous representatives that I do not owe a payment until XXXX, no one knows why they would even be trying to take a payment. I would really like help with this matter. I have been dealing with this since XXXX, countless hours of hold times, repeating the entire lengthy story and zero resolution.
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| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a conventional home loan from Regions Bank d/b/a Regions Mortgage and was denied.
My credit scores were XXXX respectively from the top three reporting companies at that time.
I was paying a 20 % down payment.
I had assets greater than the cost of the {$130000.00} loan being requested.
I had money in our bank accounts covering multiple months of payments, even after making the down payment and closing costs.
I had a fulltime secure job with XXXX XXXX in Tennessee and reassured the bank I had no intentions of quitting until I secured a job in Illinois.
Due to COVID-19 restrictions, XXXX was allowing all employees to work from home indefinitely. I did not have to work in Tennessee to complete my traveling job responsibilities as a construction manager.
We had already sold our home in Tennessee and we were planning on buying a home in Illinois in preparations for the future job offer.
I had an apartment in Tennessee while my wife was living in Illinois with a monthly hotel rental that was less expensive than renting an apartment and paying utilities.
My income alone covered the monthly cost of both my living expenses and my wife 's living expenses, in addition to being able to pay a mortgage monthly.
I was waiting on a hiring letter fro the State of Illinois at the time of the loan application and re-enforced to the bank that I would not leave my XXXX XXXX job until I received the official offer and start date from the State of Illinois.
The bank refused to give me a loan until I received and started a job in Illinois.
When we attempted to use my wife 's 30 years plus self-employment income and credit instead, they also refused us a loan stating that she was not making enough income to cover the mortgage and living expenses. Expenses and a mortgage being covered by my salary alone without her salary.
My wife 's credit scores were XXXX respectively from the top three reporting companies.
XXXX, Illinois is known for redlining and segregation and recently the XXXX XXXX drafted a statement promising to provide better inclusion and equity to those seeking to own a home in XXXX.
We ended up having to take money out of my retirement funds, paying early withdrawal penalties in addition to the taxes, in order to close on our home and buy the property in cash.
Regions Bank took too long and in providing both loan refusals and we had to move our closing date once as a result and had to wait on the transfer of retirement funds.
Please investigate Regions Bank and the history of their loan practices, especially for people of XXXX in XXXX, Illinois.
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| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.????
PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}.
PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled, mishandled, and robbery of obsessive nsf funds.
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| 07/07/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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We have had a Superfleet card for our business for many, many years. We have rarely if ever have been late, and our bills are paid in full EVERY SINGLE MONTH! In XXXX of XXXX, we didn't receive their statement in the mail until way later in the month due to issues with the post office. We sent the payment out the day that we received the statement like we always do, and it took them over 3 weeks to post the payment. They shut our cards off, charged us {$75.00} in late fees, plus other charges. They said they did not have our payment, but crazy as it may seem, it came out of our checking account the very next day. We had to pay over the phone in order for our employees to get fuel on their cards. In XXXX, we had a credit since it was paid by phone AND by check. In XXXX, we received their bill around XX/XX/XXXX, I sent a check out the same day, it didn't post until after the XXXX of XXXX, which made it late AGAIN! We don't use these cards often, our drivers fill up the trucks at our shop daily, these are used in case of emergency only. We rarely pay more then a couple XXXX dollars to them monthly. In XXXX, same deal. In XXXX, they deemed our company a credit risk and starting charging several XXXX dollars of credit risk fees in addition to the late charges, and they changed our due date! In XXXX, I sent a check to them as soon as I got the email that had the amount due on it. They sent that on XX/XX/XXXX, I mailed the check on XX/XX/XXXX. We received their bill which was post-dated XX/XX/XXXX on XX/XX/XXXX, so let 's say our check was received by them in about 5 days as well. Our due date was changed to XX/XX/XXXX, so 14 days after I mailed the check out. Still didn't post to our account. It didn't post until XX/XX/XXXX! There is no reason it should take 17 days to post. Especially when every other check that I sent on the same day, several that went further than theirs, took 8 days or less to come out of our account. I checked EVERY DAY to see if that check cleared, on the XXXX I tried to use their online CheckFree option just to avoid the fees, but guess what, it doesn't work!! On our XXXX bill, we spent under {$30.00} for fuel, but the total bill was {$280.00}! This is ridiculous, if they aren't going to post payments in a timely manner, the due dates should be MUCH further out. They have refused to refund fees except a couple late fees, and they have refused to move our due date. Apparently I am not the only customer that they are doing this to. If you look at any profile for their parent company, XXXX, they are doing this to many, many people. How is this legal??
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| 09/11/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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Describe what happened so we can understand the issue ...
Contacted on XXXX XXXX CST by XXXX XXXX HR Manager ( XXXXXXXXXXXX ) and Hiring Manager and XXXX XXXX ( XXXXXXXXXXXX ) Human Resources Department for XXXX XXXX XXXX XXXX for a online interview and briefing for a position on the job search engine XXXX., All of the company history and stats were provided. Our temporary office is located at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX, United States. Expanding their businesses/customer reach by setting up a branch in XXXX, AL which will be commissioned on the XXXX of XXXX and that 's why we are employing online. I was advised that it will be strictly an online and work from home job until the branch is commissioned. The working hours are flexible and you can choose to work from anywhere of your choice. The pay is {$25.00} per hour during full working hours and the training is {$18.00} per hour and you will be getting your payment weekly via check or direct deposit working 30 to 40 hours weekly ( 6-8 hours daily ). If you are employed, you are going to be working as a full time employee and not an independent contractor. Benefits : Health, Dental, Life and AD & D Insurance, Employee Wellness and 401k plans. Paid Time Off and Holidays with Generous Company Discounts.
The website was provided and the position description, Also, particular software was needed for the position and their would pay for it ( XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, XXXX, XXXX and a Time Tracker ). The funds for the software/working equipment will be provided for me by the Company via check. The check will cover the cost of a laptop, printer, scanner, time tracker with a fast internet connection you need to start working with. The check was mailed and delivered to my home via XXXX or USPS courier service and once I receive the check ; I needed to have it deposited to my bank account for immediate clearance. The funds will be credited and available in your account for cash out within 2 business days. I needed to purchase the working materials from any of the their certified vendors who we have been buying from for years. A check was mailed via XXXX. I opened a separate business account just for this job. On XXXX/XXXX/16 the check was deposited. Regions back cleared the check on the XXXX. I took the monies allocated for supplies and deposited in the vendor account with XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX : {$3600.00}.
The bank cleared the check and then held me accountable for the cashier check not being valid. I have the bankers name and documents to support all.
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| 04/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Regions continues to refuse to work with us in rectifying their misapplication of our mortgage payment. On [ XX/XX/XXXX at XXXX XXXX ] we asked Regions : " I would like to request/confirm that any additional payments I make to this mortgage will be applied solely to the principal? Thank you. '' The next day we received the response " Yes, the additional payments can be applied to the account. Please make payments after the current payments is due and prior to the next one. The website is the best place to confirm if they were applied as intended. '' We followed their instructions and noticed that the payments were NOT applied as intended. We have been attempting to work directly with Regions and with the assistance of the CFPB since XXXX to have them fix the issue but to no avail as they do not respond to our attempts to contact them.
We sent a message through the online portal to XXXX XXXX on XX/XX/XXXX and have not received a response. We called a Loan Servicing Escalation Specialist, XXXX XXXX, at XXXX, and left a message around XXXX XXXX EST on XX/XX/XXXX requesting assistance but have not heard back. On XX/XX/XXXX, we sent a message responding to Loan Servicing Escalation Specialist, XXXX XXXX, per his request, but have not heard back.
For the record, Regions claims that " a letter dated XX/XX/XXXX was sent to the customer explaining the issue. '' We have informed Regions on multiple occasions that we received no such letter. We have triple, and quadruple checked our files of correspondence, and even verified with the USPS informed delivery service. Therefore, we maintain that no such letter was sent to us.
We'd proposed a simple solution : we would consider this issue resolved if what we requested 7 months ago was honored : a simple correction of their misapplication wherein {$4500.00} is applied to the principal on XX/XX/XXXX. We will immediately pay an additional {$1500.00} to satisfy the outstanding payment at that point and make our loan current and whole. Regions contacted us and informed us that they would mark us delinquent in this instance ... however we find it unacceptable to penalize and hold the customer delinquent when Regions, by their own admission on XX/XX/XXXX, gave us improper instructions : " From what I see is that you may have used the wrong option to pay principal only. This is not your fault, because the proper instructions should have been provided. '' XXXX ( Regions representative ) We sincerely hope this institution will begin to value its Mortgage customers who enter into transaction with them at great personal cost.
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| 01/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XXXX, Regions Bank inquiries about unauthorize use of complainant 's Regions debit card.
The Complainant traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gas pump # XXXX, on XX/XX/2022 at approximately XXXX pm to purchase fuel. At which point, he bought fuel at pump # XXXX for an approximate total amount of {$9.00} using his Regions Bank Visa debit card. That same day, he noticed a {$69.00} charge pending on his debit card in the transaction detail section of Regions online services, from XXXX XXXX XXXX XXXX MO XXXX. See the XXXX XXXX of XXXX document titled " Transaction Detail '' below on XX/XX/2022, after receiving notice that payments were no longer pending and the amount of {$69.00} was final. The Complainant immediately dialed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was unsuccessful in resolving this matter with the XXXX XXXX employee. This employee will be identified in the complaint as ( XXXX XXXX. The Complainant is owed an apology for interfacing with an ignoramus employee ( XXXX XXXX. XXXX XXXX, XXXX XXXX is the epitome of XXXX 's definition of ignorance. For the love of XXXX, again this employee will be identified in this complaint as ( XXXX XXXX.
The XXXX returned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, to obtain the gas pump number for this complaint. The following incident was observed by the complainant, as shown in the photos below : Pump XXXX was not open to the public at the time. The pump 's arm was covered in plastic, as shown in the photo below. The complainant also observed pump # XXXX displayed the same price as was charged to his Regions Debit Card on said date XXXX days later.
In summary, the Complainant immediately demands that his Regions Debit Card be returned of the overcharged funds of {$60.00} and again an apology to deal with such ignorant employee. You can reach me at the address above if you have any questions about this request. The official submission of material synopsis of the event led to XXXX XXXX XXXX XXXX XXXX MO XXXX, as described above, overcharging my debit card of the said amount ; see attached photo titled Transaction Detail. Please note all affixed materials are made part of this complaint and will be used to justify the claim of overcharge on Complainants visa debit card ending with XXXX, as stated above.
The top prosecutor in Missouri tried to settle this dispute but couldn't because the vendor didn't respond the way the complaint asked him to. However, Regions Bank exerts considerable influence in attracting the vendor 's attention, but more needs to be done.
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| 07/20/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I contacted regions Bank on XXXX to dispute transactions on my account that I didnt make or recognize, I spoke with several agents that continued to forward me to other agents repeatedly and finally I got to an agent who told me she would be helping me file the dispute, She ask me some questions about if my card had been misplaced or stolen which I explained to her that I still had posession of my card and had not misplaced it she then ask me to give her the merchant names and amounts for the transactions I needed to dispute so I provided her with those and after asking me a few other questions, canceling my debit card and ordering a new one she told me the dispute was successfully filed and informed me that " Check card claims '' are completed after 10 days ... XXXX XXXX I contacted Regions to ask about the status of my claim and was told by the agent that she didn't see a active claim on my account I explained I filed the claim on XXXX but she still said she seen no active claim and she couldn't help me since she didn't see the claim so I contacted Regions again on XXXX to ask about my claim status and was told by this agent that she also didn't see an active claim on my account I kept insisting the claim was filed and told her the name of the agent who assisted me in filing it and she then said she did see a claim in my account and it was denied she told me I would receive a letter explaining why it was denied, which i did finally receive and it stated that my claim was denied based on " No report of card loss, theft or comproise were reported and transactions passed fraud analysis ''. I have contacted regions again several times since the denial and was told diffrent things everytime by each agent, i spoke with one agent who told me to contact the fraud department, others just transfer my call again and again or place me on hold for endless amounts of time and one agent even said that I had to provide a police report to reopen my denied claim I explained that I had no police report since my card was never stolen to my knowledge I had no reason for a police report and once again I informed the agent that I was admitted in to the hospital on XX/XX/2022 and was not XXXX until XX/XX/2022 which was during the time the fradulant transactions occured I also faxed my XXXX XXXX papers to the fax number provided in my denial letter that show the date I was admitted and date I was XXXX ... .The date of the fraudulent transactions that I disputed were made on XX/XX/2022, XX/XX/2022 and XX/XX/2022 which were during the dates of my XXXX XXXX
|
| 01/27/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened an account with Regions Bank after receiving a personalized offer in the mail. The offer stated I'd get a {$400.00} bonus for opening a new account if certain terms were met within the first thirty days. Here are the terms presented to me on the flyer I received in the mail : -Register at regions/com/offer using your personal code -Open your new personal XX/XX/XXXX checking account by XX/XX/XXXX, and enroll in Online Banking within 30 days of account opening -Use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening. Almost any CheckCard purchase counts, including bill payments, online chopping and subscription services, as long as you use the XXXX number -Your {$400.00} bonus will XX/XX/XXXX deposited directly to your new checking account with 90 days of completing the above requirements I opened my account online on XX/XX/XXXX right about XXXX XXXX and funded the account at that time. I didn't receive the card for my account until XX/XX/XXXX and it was postmarked XX/XX/XXXX. I've attached an image of the XXXX mail ( which I get daily ) showing the card being delivered on XX/XX/XXXX from their address, XXXX XXXX XXXX XXXX, AL XXXX. Even getting the funds at the time of opening my account to Regions took XXXX days.
The very next day, I started using the card. Between the first day I used the card, XX/XX/XXXX, and XX/XX/XXXX, I used the card eleven times. Within that window, the last two purchases were made on XX/XX/XXXX ( Thursday ) and XX/XX/XXXX ( Friday ). The charges are attributed to XX/XX/XXXX, when Regions say they " cleared ''.
This week, I've reached out to the bank via a branch, and two different calls. Each time, I was told I wasn't going to get the bonus because I didn't make the purchases within the first thirty days ( not true, based on Regions own account info ), and that the first day I opened my account ( XX/XX/XXXX ) was counted as one of the days counting against me. I repeatedly said that thirty days means twenty-four hours, thirty time. I didn't have a relationship with Regions bank for most of XX/XX/XXXX. To say that counts as a full day it pretty ridiculous. I know the charged amount " cleared '' early in the morning, earlier than the time I actually opened my account on XX/XX/XXXX. So not only were the purchases certainly completed before thirty days within opening my account, they " cleared '' before the thirty days ( 24 hours ), I opened the account.
Regions Bank made me an offer and it making up the definition of a day
|
| 12/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I received an insurance reimbursement claim check in the amount of {$48000.00} from XXXX XXXX for Hurricane Irma damage. Summary of Loss Roof {$51000.00} and {$2800.00}. interior repairs less deductible of {$5800.00}. The check is made payable to myself, the adjuster, and Regions Bank. The adjuster and I went to Regions Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XXXX/XXXX/2020. We have them the claim report and attorney loss settlement communication including the insurance company breakdown of the reimbursement, the roof replacement contract including paid summary and release of lien. The rep that addressed our need XXXX XXXX indicated that an inspector would call in a few days and that once the inspector came to the home, I could return to have the check endorsed. On XX/XX/2020 I emailed XXXX XXXX to follow-up and never received a response. I then sent a message to Regions via my online banking and received a response to call the branch. I never received a call back from XXXX XXXX. I called Regions XXXX to follow-up and on XX/XX/2020 I emailed Customer Service at XXXX the settlement letter explaining that it was the only documentation provided by XXXX XXXX. I also sent them all of the receipts of the repairs that were done. I called XX/XX/2020 and Regions said they would review. I called XX/XX/2020 and again XX/XX/2020 when XXXX said I would hear back from an inspector within three days. I called again Tuesday XX/XX/2020 when XXXX referred me to a supervisor who called back and again said they needed the detailed settlement. He apologized that Regions was using a new system and they were having computer issues with system failures. After a long talk, finally they he said that an inspector will call within three days. Since I have provided proof of payment for a roof replacement and that is the bulk of the reimbursement and only {$2800.00} is for the interior work, I sent pictures of the interior work to Regions. This morning I called Regions again and they said that because of the holiday it may take more than 3 days for an inspector to call to schedule the appointment. I believe that it should not take a month for Regions to contact me for an inspection. They have proof of payment, invoices from the contractors, and claim settlement from XXXX XXXX. My HELOC account is current and I have not been late since inception. Payments are deducted from my Regions checking account. All payments to the roofing company and contractors have been through my Regions bank account. My HELOC with Region Bank ( XXXX Florida ).
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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XXXX XXXX sent me an offer with personal code : XXXX stating that I would receive a " {$XXXX} BONUS ' for opening a XXXX Checking account, enrolling in on-line banking within XXXX days of opening & then making {XXXX total deposits within XXXX days. VERY straightforward, little or no room for confusion -- then finally, your {$XXXX} bonus would be directly deposited to your checking account within XXXX days of completing requirements.
On XX/XX/XXXX I opened checking account by phone with the branch @ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This took approx. XXXX minutes but there were no problems. I asked if it would impact my credit-they responded not a hard check so no it would not. This indicated to me that they were going to check my credit history before approving account. My credit score is literally VERY CLOSE TO PERFECT! I deposited via credit card by phone ( on same initial call ) the minimum requirement of XXXX proceeded by XXXX separate deposits of {$XXXX} & {$XXXX on XX/XX/XXXX & XX/XX/XXXX totaling the {XXXX that they required to qualify for ALLEGED {XXXX} BONUS.
On morning of XX/XX/XXXX, I went to check my XXXX Checking balance only to find out that it had BEEN WIPED OUT TO XXXX!!! Only thing that showed was an 'Account Withdrawal ' Pending for {$XXXX with no explanation. THIS IS HOW I FOUND out that someone had shut down my account, again 0 explanation. I called their Customer Service and was told I had to go into a branch, which I did in XXXX XXXX XXXX, XXXX which I did that same day. They said they couldn't say what happened -- that I had to call customer service. This began a XXXX day circus of each telling me I needed to check with the other -- cust. serv. via phone blaming branch & viceversa. I then went to XXXX XXXX XXXX. branch in XXXX XXXX, XXXX on XX/XX/XXXX to meet with their 'FRAUD claim ' dept ( made online appt ) to see if I had better luck determining what happened. Same game -- no answers.
They have responded that on XX/XX/XXXX a check was cut for XXXX} to be sent back to me within XXXX business days but no reason for my account being shut down like that. They seemed to think that I should be fine with that. SO, after wasting all my time & effort, I've still yet to receive my {$XXXX} that I deposited ( I requested they cut me a check there or cash would be fine, they weren't doing that ) NOR AM I RECEIVING THE so called {XXXX} BONUS! I don't know what kind of fraudulent scam they're running trying to increase their business, but this is incredibly UNETHICAL to say the very least.
|
| 01/19/2022 |
Yes |
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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Regions Mortgage continues to ignore the letters I have sent them clearly pointing out how they are in violation of two laws that I have proven and pointed out to them on more than one occasion, by stating to me that my dispute letter is a duplicate letter and that they are not required to respond, because this dispute is listed as an exception in section 12 CFR 222.43 ( b ) of the FCRA. Despite me informing Regions Mortgage that the recent dispute letters I sent them is not the same type of letter that they are referring to, they continue to completely ignore my letter alone with the evidence I have sent them that I also have attached to this complaint.
I informed Regions Mortgage that they violated and are in violation of 15 U.S. code 6802 obligations with respect to disclosures of personal information ( c ). It states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option. I informed Regions Mortgage that the only thing they did was inform me that they may disclose my information to the credit bureaus but failed to inform me of my rights to exercise my nondisclosure option, and I attached the statement that Regions Mortgage first sent me that proves what I said is true, and yet they continue to ignore my letter, falsely claiming that its a duplicate dispute.
If this was a duplicate dispute letter, Regions would only be showing how they ignorantly refuse to comply with the law. I also informed Regions mortgage that they are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions, it states that a consumer report aka credit report does not include transactions or experiences, and because of these laws, I instructed Regions Mortgage that I do not want them reporting anymore of our Mortgage information to the credit bureaus until further notice, as this is our right as a Consumer under these mentioned laws. I also sent Regions Mortgage two invoices for a total of {$2000.00} for their violation of these laws, stating that under the FCRA remedy law, it is {$100.00} to {$1000.00} per violation, and because of the damages and stressful issues that Regions has put us through, I am demanding the max.
I need for Regions Mortgage to honor the already invoices I have sent them and honor my instructions to stop reporting our information to the credit bureaus.
I also attached a copy of the letter I sent Regions Mortgage in the mail that they keep ignoring.
Nothing Further.
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| 11/24/2015 |
Yes |
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Web |
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Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX.
I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware.
Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX.
Regions Bank reported card past due 180 days.
Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly.
Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history.
Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct.
Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected.
Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX.
Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX.
The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family.
Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''
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| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On Thursday afternoon XX/XX/2023 around XXXX my husband received a phone call from a teller at a regions bank in XXXX Tennessee asking him if we wrote a check for {$4700.00} to a XXXX for jewelry bc she had a suspicious feeling about the person trying to cash this check and he said no and she advised him to contact our local regions where we live in XXXX XXXX At that time when we went to call it was too late a check was already pending in our account for {$4800.00}. I was able to find out this specific check was cashed in XXXX Tennessee at the XXXX XXXX XXXX. The check number used was check # XXXX which I still have in my checkbook ( the last check I wrote was check # XXXX to a company ) and it appears this is not a washed check but an actual fake check, on this check the font is different, and wording and safety thing next to the amount and things missing just a fake check altogether with my account info and name. I noticed a transfer from my savings to my checkings account in the amount of {$3000.00} was made immediately before the teller cashed the check. I filed a police report with a detective at the XXXX ga police department Friday XXXX XXXXXX/XX/2023 and then went to directly to regions bank in XXXX XXXX and filed a fraud claim for the check. I have not been refunded my fraudulent stolen money and am very upset that when presented everything I have to wait 30+ days to receive my funds back without a provisional credit given to my account because the amount is too large well how do you think I feel when my bank was drained and I have kids and a mortgage and bills to pay. I have contacted regions customer service who was the one who gave me all the information on where the check was cashed, presented me with that specific tellers ID # and how the transfer occurred the transfer was not an internal transfer thru electronic banking but occurred in the form of an ACH deposit which they said took place in the branch or over the phone, and they said over the phone they can not transfer more than {$1000.00} which left only one other option the teller who cashed the fraudulent check at the XXXX XXXX transferred the funds from my savings to my checkings in order to cash this check. Is she did not do that transfer the check would not have been able to be cashed and I would still have my money. This is now an fdic issue and Im just very disappointed in the lack of urgency to resolve this claim and return my money to me and my next step is hiring an attorney if I do not receive my money back by the weekend.
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| 12/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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To Whom it May concern, XX/XX/2016 I applied for a Mortgage Loan with Regions Bank. I was pre-approved and permitted to house hunt. I was pre-approved after submitting all the usual documentations : bank statements, tax returns, pay stubs and so forth. A month later I found a property and submitted further documentations since it was a condo. I then received a commitment letter from my Bank. I was then set to close XX/XX/2016.
On XX/XX/2016, thinking I will be closing, my bank finally contacts me stating they need bank statements since they never received them. This makes me question the following : How did I get pre-approved without that, is n't that bad Financial practice? Did they lose my documentations which has severe personal information, is n't this also bad financial practice? With this said I then had to drive 1.5 hours to XXXX XXXX, XXXX to hand deliver this bank statement instead of email or fax because I no longer have trust in Regions bank and its team.
My closing date was then pushed back to XX/XX/XXXX. Due to other issues of documentations it was then pushed back again to XX/XX/XXXX. Now, the bank wants further documentation and letter of explanation which was never expressed before my initial closing date. I am two weeks behind closing and losing significant money due to this delay.
This process, with this Regions team, is incredibly unprofessional and all aspects. Workers involved in my loan are uninformed and do not know when to admit they are at fault or even how to communicate thoroughly with their client ; me. On top of that I now fear my personal information is being exposed and that Regions Banks practices bad financial services that is detrimental to its potential clients like myself.
Throughout this process I have had the most horrific experience working with XXXX XXXX whom is the Senior Mortgage Loan Officer who has '30 years of mortgage experience '. Completely unprofessional, never informed of the status of my loan application, and has delayed the process by losing or falsely claiming to receive documentations. All while approving and continuing the loan application. This entire process, delays, lost files, starting the loan process after closing date, approving loans without documentations is horrible and the worst financial practice at its best. I have emails stating when documentations were submitted, and when they were received since I was given approvals and commitments. Yet, I am still being asked for documentations that were previously submitted months ago.
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| 08/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I have had my checking account with Regions Bank for quite some time now, maybe 6 months, and I have always done everything to safeguard my personal information and pin number from theft. I hid my pin number to my debit card in a pair of grey sweatpants in my closet, and my debit card in a safe in my living room. On or around XXXX/XXXX/2015, I noticed about XXXX or XXXX unauthorized transactions on my account, and reported this to Regions over the phone, which started the claim. A new card was sent to me, and the old one cancelled. I received the claim AFFIDAVIT in the mail about 7 days after that. In the AFFIDAVIT, I specifically stated that I believed that my ex-girlfriend and her brother might have taken my PIN number, more so her than him, because she lived with me, and although I NEVER told her where my PIN number and debit card were located, she WAS my girlfriend and it s conceivable that she could have searched throughout all pairs of my pants in my closet, found the pin number, and could have been watching me enter the code to my safe. This is all speculation though. I faxed the completed affidavit ack to Regions and the next day, I was told that Regions had received it, and that my claim should be finalized by XX/XX/XXXX no later than the close of business day, XXXX/XXXX/2015. On XXXX/XXXX/2015, I called the REGIONS CONSUMER PROTECTION department, which handles the fraud claims, and asked what time the funds stolen from me would show up in my account. I was told that my claim had been denied, and that I did NOT state in my AFFIDAVIT how the pin number and debit card had been stolen from me. This is all a lie of course, because I specifically stated in my AFFIDAVIT that my ex-girlfriend and her brother might have been the ones who stole this from me. I was told that the ONLY way to reassert my claim would be to provide a police report and/or provide clarification on how the pin number and debit and came up missing. I explained to the " specialist '' over the phone that I had no further information regarding this claim, and that under Regulation E of the Federal Reserve Board rules Regions was required to reimburse me, and that this is NOT contingent upon the filing of a police report, because the police are NOT responsible for reimbursing me, REGIONS is. The police job is to catch crooks and criminals. Despite all of this, even if I had attached a police report, which I did NOT, and am not, the outcome would still have to be the same : REGIONS MUST REIMBURSE me. She hung up the phone me.
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| 05/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I had a line of credit with Regions bank. I rarely accessed my checking, savings, credit card and line of credit. On or about XX/XX/XXXX I paid the full balance of {$4400.00} on the accounts and requested that the line of credit and credit card be closed. On XX/XX/XXXX Regions placed at {$47.00} maintenance fee on an account that was supposed to be closed. The fee then turned in {$190.00} because there were no notifications sent via email, mail or phone. I had this account for more than 5 years it shows that the fees were always taken from the checking account. During this period there was roughly {$24000.00} in the checking account. I was unaware that the line of credit was still open or there were fees being added and late payments being applied to the credit reports. When I purchased my house in XXXX I was notified of this on my report from XX/XX/XXXX then again on XXXX, XXXX and XXXX of XXXX. After contacting Regions 100s of times about this matter I finally got a rep named XXXX that said this was wrong and he would work to get the reports corrected. After about 60 days the reports updated and the negative lines were removed. There was a delay in my house closing which caused them the run my credit report again the day before closing and the negative lines were placed back on my report. This caused my interest rate to increase 1 point and I had to put down an addition {$25000.00}. My mortgage is now {$3700.00} instead of {$2900.00}. Now after all of this I still can not get the line of credit account closed. This makes no sense to me. The checking account and credit card is closed but the line of credit will not stay close. Regions will tell me its closed then 2 months later it will be open again. I've been into 2 different branches and requested it to be closed. They will say sure we are closing it now then it remains open. I can not keep loosing sleep in fear that a service fee is going to show up on my credit report. I do n ot do any business with them and should not have to keep monitoring a closed account. At this point I consider this fraud. They continue to charge fees on an account that I do not want open. I have disputed the credit report over and over in the last 2 years and they keep saying the chargers a valid and will not remove it. My current score is still XXXX but this is pulling it down from being XXXX and costs me additional points on my auto loans and other credit cards. I am requesting that the credit reports be corrected and the line of credit be permanently closed.
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| 07/30/2023 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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My husband and I decided to build a home in a rural county in XXXX XXXX. We came across Regions Bank for construction loan via an internet search. Started working with their team. After reviewing our finances and credit history, we were offered a 5.5 % interest rate on our loan. The loan team from the bank requested that we sign and execute the contract with our builder in order to start the process and we complied. Little did we know that the bank has not done the contract review or builder approval prior to this. So during the contract review and builder approval process, the loan team started making demands to the builder to alter the contract, provide his personal credit information etc. Despite us requesting that we be kept in the communication loop, we often came to know of these demands by the bank from the builder. Now that our builder has the signed contract from us, he has no reason to oblige to these demands from the bank. And for us, since we had signed the contract, we were at risk for being sued by the builder if we were not to proceed with the construction.
The contract had stipulated that we pay about 40 % of the cost up front for the builder to block the cost of the materials and gain the spot in the line with the sub contractors. Bank did not agree with this and builder declined to make changes to this clause. In order to keep the construction still a possibility, we agreed to put down this amount as down payment and have the remaining 60 % as the loan amount. Bank demanded that we provide them with proof of this payment inorder to process the loan, which we did.
Even after this, bank continued to demand further changes in contract clauses from the builder. XXXX 's lawyer recommended not making any such changes and we were left with no choice, but to find other options for funding the construction.
Now that we had signed the contract and paid 40 % to the builder, we had no choice but to use our " nest egg '' to proceed with the construction.
Bank later communicated with us that they are ready to approve the loan, waiving all the requirements from the builder. At this time we were worried about what other requirements would be put forth when the builder submits the request for withdrawals at different stages of construction.
In nut shell, the Regions Bank put as at risk of being sued for not complying with a contract with the builder ; and also at risk of loosing 40 % down payment to the builder if we had not been able to secure the finances by liquidating our assets.
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| 06/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX. Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.
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| 09/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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This problem is with Regions Bank. XX/XX/19 I had my Direct Deposit to come through. On that said date i paid some bills and etc. By XX/XX/XXXX I looked and I only had {$1.00} and i thought o wow. So i transferred the {$1.00} onto another card. When i went back and looked it showed me XXXX balance. So then i did overdraw - {$190.00}. Which in my checkbook register it shows now i should owe the bank - {$230.00}. The next day XX/XX/XXXX it first shows i am - $ XXXX.I was like what? Then with my very on eyes while i was on the website i saw my transactions move..it then went to - {$680.00}. Then it shows - {$480.00}. And that is what they are saying i owe. I called there 800 number they would not fix it cause they said it was pending..what no i have proof of receipts it came out then. It usually always come out as soon as i use my card. Few days later i talked to someone at my local branch and she said it was because of pending transactions i told her that is not possible that i had my deposit to cover those. She said its because they go form big to low in posting ordering. I said that is not my fault. Well the lady from my local branch sent me some documents..but it does not show when my deposit was made..but it does however show that it was and overdraft fee of 2 pending which was the {$1.00} and - {$190.00}. so i thought why did they do this on my {$1.00} when that was not overdrawn, But it shows what my debit card paid most all on the XXXX that it was NSF,. How could it be NSF when i had my Direct Deposit few days before to cover these bills. Now i know i am at fault for the - {$190.00} plus {$36.00} fee..and i don't mind paying that. But they took {$250.00} in fees from me. I called the 800 again and they said it could not be waived cause i already had 1 in XXXX which by the way i caught and told them that was not right and they waived it..so in XXXX that was their fault too. So XX/XX/XXXX I was on Regions Bank XXXX page seen how they have done this to alot of people. Alot was mad..and i made some comments., when i did someone from Regions told me to email them my phone number. So i did. She called and said she was just in the complaint dept. Took all my info..but didn't really say what she was gon na do., but said i don't know if i will call you back or not. So how am i supposed to know if they look into it? I just want my {$250.00} fees waived back to me! This thing they do which is called reordering transactions should be illegal. Thank you for your time in reading this.
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| 04/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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Greetings my name is XXXX XXXX XXXX XXXX and I believe my banking institution has been weaponized by our Missouri Chief officer XXXX XXXX XXXX that has initiated a unlawful acts of abuse and deliberate indifference as I pursued this official of Governor XXXX XXXX in Federal Court and now that he has not only been protected y the Clergy and appointed to our Banking Commerce by Gov XXXX. Now my services with my bank has been retaliatory.
Count 1..bank fraud : The date would be my last payday XX/XX/2023. I brought a check phsyciallyn in the Regions bank at XXXX and XXXX XXXX XXXX XXXX for the amount of XXXX charge cashing my check. I would cash this check then deposit {$380.00} and take cash on hand in the amounts of {$150.00}.
There was {$380.00} left in my checking account. I would go on this day making two transactions later from this account as I was given the Regions Bank slip with the amount of {$380.00}, but my lender has tried ample times trying to deliberately entice me to become irrate or enraged by abusing my rights as a banking costumer deliberately freezing my.account after I had already made two transactions with the account earlier in the day to my.cash app..
I would still have funds in my account but transactions would be declined right around the time my banking institution was about to close this same day. I called the banking institution? I frequent at that has caused these deliberate problems. The XXXX XXXX Banking attendant would tell me " my account funds were held do to a Checkm, I brought in to there business this day and deposit this same day, XX/XX/2023. This is false and a absuive tactic these employees were given direction to perform from what I believe is directly from the top as I never deposited any check this day. I only cashed a check, deposited {$380.00} and took home {$150.00} XXXX was a check, I cashed then deposited {$380.00} as I was given the PD SLIP- XXXX XXXX # XXXX XXXX # XXXX DA XXXX XXXX XXXX {$380.00}.
There were still funds in my account this lender 's fraud would obstruct not to be use by causation caused by this lender employee trying to deliberately entice or anger this costumer so he appears a certain way fighting against corrupt officials appointed by Governor XXXX XXXX. It did not place any fear in me! I am coming after XXXX XXXX XXXX XXXX! Respectfully! Especially for these type.of stunts weaponzing agencies and businesses with these absuive tactics. Please let him and them know? THIS IGNITED THAT FIGHT AGAINST HIM!
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| 11/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I was the victim of debit card theft. I reported this to my bank the same day ( XX/XX/19 ) I saw the charges appear. I was in Florida WHEN they occurred. I made a check deposit at my local branch, and these FRAUDULENT charges were for out of state businesses ( XXXX, XXXX XXXX, XXXX ) with 2 of them being personal drafts made by the thieves. The XXXX XXXX charge didn't go through since my card was deactivated and/or it wasn't accepted by the bank. One of the fraudulent charges even has one of the recipient 's names, XXXX XXXX. I am assuming she is part of the theft being as though this woman lives in the same city/state as all of the physical stores. I did some digging on the name, and found a criminal history for a XXXX XXXX in Georgia for related incidents. The 4th charge is a small online charge for {$17.00} to an unknown store. Yet, all of the physical store locations have store numbers listed on the fraudulent charges, and they are all located in XXXX XXXX, Georgia. XXXX XXXX also lives in XXXX XXXX, Georgia. She was the recipient of the fraudulent money transfer of {$100.00}. This is not an application I've ever used, nor heard of prior to this incident. I am still not entirely sure what it is. My bank can see I've never used it before, too. Nonetheless, I reported these fraudulent charges to my bank immediately. They were all processed AFTER the reported theft. I immediately had my debit card canceled, and lived without any access to what remaining money the theives left for me nearly a week. I replaced my card at the bank just yesterday ( XXXX ). The remaining fraudulent charges are as listed : XXXX XXXX XX/XX/19 {$100.00} XXXX XX/XX/19 {$63.00} XXXX # XXXX XX/XX/19 {$240.00} XXXX XXXX XX/XX/19 {$17.00} The reason for not returning my money is that my card wasn't reported stolen. Yet, the bank is who canceled my card after I reported the theft. I am a FLORIDA resident. My bank is FDIC insured. I am supposed to be protected against this type of fraud. Regions has been completely uncooperative in assisting me. They have the name of at least one of the theives, but even if they chose not to prosecute her, the bank has insurance. I am more than likely going to change banks. Complaints I've read online show that this a wide spread issue with this particular bank. I'm at a loss of what to do. I clearly am not a Georgia resident, and used my debit card at a Florida branch location on the same day. It should have been obvious that my numbers were skimmed somehow.
|
| 08/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I had an ACH deposit this morning for {$230.00} in my savings at regions bank. When I look on the mobile app it shows a balance of {$270.00} and when I call the banks automative line it says I have {$270.00} available. I went to transfer money from savings to checking to bring it to a positive but they turned off my ability to transfer. I contacted customer service ( first rep didnt provide her name ) and she was rude telling me there is not deposit and because I have no money in the savings, and because my checking is negative by {$37.00} they temporarily closed my account until a deposit is made. I did not give them permission to turn off my overdraft for one and they took my deposit because I show a deposit on my end. Ive worked with many banks and none have ever told me an ACH was not available the day it was posted because its guaranteed money. I feel they are committing fraud! I asked them to waive all fees because its out of my control and with the economy were living pay check to paycheck like the rest of the world. They wouldnt assist me and told me they would transfer me to a supervisor XXXX XXXX who advised me the same thing. I want my money today and I want all fees associated with my account refunded. I am the owner of the account and work hard for my money, and banks shouldnt be able to control peoples money like they do. The only reason my account went negative is because I accidentally transferred {$37.00} to the savings not realizing they disconnected the ability to transfer to and from savings. Then once I did that by mistake because their system is confusing they penalized me. Their transfer system is not user friendly and I feel bad for the elderly. In addition, I know banks have to at least release partial money and they wont even do that. I have four little kids and I cant even buy water for them ( so they have to drink out of the faucet where there are chemicals ) with my funds held up, that is not okay. Banks need to be more of consumer advocates instead of always making it hard for consumers to live as human beings. Especially with the economy and banks being XXXX dollar companies its narcissistic to not help the consumer. I just want my money and all fees given back for the emotional damage. If this route doesnt work then I will contact a consumer protection lawyer as a last resort and I will also contact the paper. Im so tired of banks and Im sure most of the world is tired of them as well unless they are rich, banks favor the rich.
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| 01/06/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American |
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Hello. My name is XXXX XXXX XXXX. On XXXX/XXXX/XXXX I went to Regions Bank on XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I intended to transfer {$10000.00} of my EE savings bonds to my savings/money market account so as to avoid having to pay taxes. However, the banker XXXX XXXX said that he could cash in all of my savings bonds without incurring any tax penalties. As a result of his advise, I ended up going ahead and cashing in all of my {$100000.00} worth of savings bonds since he said that it would be tax free and they could go into a tax deferred account with no tax penalty. Unfortunately, I feel that he took advantage of me and tried to make sure he could get all of my deposits even though it was not in my best interest. He cashed in all XXXX of my savings bonds and put them into a non-tax deferred account so he could make sure that he got credit for all of my deposits. I am now faced with paying taxes on the full amount because of his greed and lack of morals. I originally wanted to only deposit XXXX, but he talked me into doing all of may savings bonds even though it was not in my best interest. I am a widow with a very limited amount of income and savings. I want them to make up the amount of the taxes that I will have to pay due to their greed and unethical behavior. They are trying to say that they did n't do anything wrong, but what really happened is that after I asked to just cash in XXXX, he talked me into cashing in everything. The bank even tried to set me up with an accountant after they realized the mistake that they made, but the accountant confirmed that they had made a big mistake by making me cash in all of the bonds. Since they are not admitting any blame, they refuse to do anything to help me with the severe tax penalties from cashing in so much at once. They should not be allowed to get away with taking advantage of old ladies like me with not having any penalties. They are being predatory and taking advantage of me, and no one seems to care how much they cost me in tax penalties. I think they are going to tax me about XXXX when all of that could have been avoided if they did the right thing. I even questioned XXXX multiple times about the taxes, and he assured me everything was fine. He lied to me and took advantage of me. I ca n't afford to be ripped off by people like him, as I have no opportunity to replenish my savings at this age. Please help me hold them accountable, as they are lying and not taking responsibility for their actions.
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Older American |
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This communication is to inform you of the fraudulent activity at Regions Bank that occurred through XXXX Banking. On XX/XX/XXXX, I discovered that {$90000.00} was pending to be taken from an account of an organization within my banking profile. {$78000.00} had been transferred from my Money Market account leaving {$150.00} and combined with {$12000.00} from the organizations account. On XX/XX/XXXX, {$90000.00} was taken out of the bank. When I checked with the bank and the Fraud Department, I was told that it was a wire transfer and there was nothing they could do.
On XX/XX/XXXX, {$700.00} was transferred from my XXXX Account to the XXXX XXXX Account. A letter was written by Regions Bank XXXX Department, on XX/XX/XXXX, stating that an investigation was done, and provisional credit ( {$700.00} ) would be provided to my account. Another letter was received that same day stating that based on the investigation, they determined not to provide any credit to my account for the transactions. The letter stated that the {$78000.00} was transferred to another account that I also own. None of these transfers were made by me.
A letter dated XX/XX/XXXX, was received when I came back from XXXX holidays stating that the investigation had been completed. Based on the investigation, we determined not to provide any credit to my account for the transaction. This determination was based on the following findings : WIRE TRANSFER XX/XX/XXXX {$90000.00} Transactions were authorized using agreed upon security procedures.
Shouldnt someone be able to tell me where the transfers originated, what security procedures were agreed upon, and where the money was transferred to. I couldnt get any answers. I have trusted my money in the same bank since XXXX even through the many name changes. Now this! They are making it look like I took my own money and wire transferred it to someone. This is identity theft and felonious activity.
Upon receiving the rejection letter, I reached out to the number indicated on the letter. On Friday, XX/XX/XXXX, I spoke to XXXX who informed me that he did not agree with the denial, and he was escalating the matter to his XXXX, XXXX. Once I spoke to XXXX, she reached out to the initial department that made the denial and that person refused to speak with XXXX. The only resolution is to return the funds back to my account as I have not authorized the wire transfer. My attorney has contacted the media and there will be a story aired soon about this event.
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| 07/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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Regions Bank ran a promotion last year to open a Business Checking Account and receive {$300.00} bonus. I opened an account in branch on XXXX XX/XX/XXXX for my sole proprietorship business. I received my Visa CheckCard in the regular mail 11 days later. So, I began, in earnest using my card to achieve the required 10 transactions within the remaining 19 days after account opening. My first use was on XXXX XX/XX/XXXX and it posted XXXX XX/XX/XXXX. The next use was on XXXX XX/XX/XXXX but did not post until XXXX XX/XX/XXXX because merchant didn't charge until items shipped. Every transaction after this posted to the account within 2 days of the charge. Even charges on XXXX XXXX and XXXX XXXX ( during XXXX holidays! ) posted the next day ( not business day ). So, I had a reasonable expectation that my final transaction on XXXX XX/XX/XXXX would post within 2 days to meet the bonus requirements. I waited the required 120 days after the final transaction for the bonus to post. When it never did, I went to the branch to question why. Upon subsequent checking, the bank indicated that my account didn't have the bonus incentive attached to it. I had all the documentation to get that fixed and I waited. At no time was I ever told that they were going to deny me the bonus because the last transaction didn't post until after the initial 30 days had expired - something I had no control over, but the bank did. My expectation was 2 days to post based upon the previous 9 transactions. While I was waiting for my branch banker to find out what was happening with the bonus, I did not have the use of my funds without jeopardizing the potential bonus or paying a monthly fee. I had to keep the account open another 3 months just to be told XXXX XX/XX/XXXX that I was not getting the bonus. At no time prior to this was I ever advised that I wasn't getting the bonus. Seems pretty shoddy that a bank that wants me as a customer would not, in this case, overlook their failure to : 1 ) get me the Visa CheckCard within 5 days ( which is normal according to branch banker ) so I could start my transactions sooner, and 2 ) to post a final transaction to the account within the normal 2-day time frame and award the bonus, at least, as a goodwill gesture to keep a customer.
In the promotional literature with the bonus advertising, Regions says their goal is to be my new bank and that once I experience their award-winning customer service, I will become a long-term customer. Ain't happening.
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| 11/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 08/07/2015 |
Yes |
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Web |
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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.
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| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I went to the ATM to deposit funds into my account in the amount of {$460.00}. The ATM took my money and then gave me a message across the screen stating " We apologize we can not deposit the funds into your account we can not give the funds back please contact your bank. '' I filed a complaint the very next business day. After a few weeks of waiting, I received a call stating that they could not deposit the credit to my account because my account has been closed. I went to the bank and spoke with branch manager XXXX who then informed me that my account was not closed but placed into a do not deposit status. No one can tell me who placed my account into the do not deposit status, why it was placed into the do not deposit status, and why I was charged to have that account closed when no one asked my permission. We then had to open a new account so that I could get the credit for the funds. I received a credit to my account almost a month later and then towards the end of XXXX, I received a letter in the mail stating that they have determined that I did not make the deposit to the ATM and that they will be taking the funds back from my account. Once I receive the letter I called and asked how they had come to that conclusion? I was told that the money would be separated into a separate batch if it did not go into my account however when speaking with branch manager XXXX he let me know at the time that the ATM was broken and that they had a claim on the ATM to get it fixed. I then asked if they would pull the time stamp card for my debit card in the footage to prove that I was there and that I didn't make that deposit, They told me no, they needed a subpoena to do so. So I went to the police to file a report to get them to pull the footage. It is now Friday, XX/XX/XXXX and no one has contacted me. So I did call the branch today and spoke with branch manager XXXX again he let me know that the internal investigation team got in contact with him and told him that they viewed the footage and saw that I receive the funds back which I did not. I want to see the footage that they saw that they claim I received the money back from. I know I did not get my {$460.00} back, Nor did those funds go into my account. I sat at the ATM for about five minutes after I took my money trying to figure out what to do I do not believe that the entire film was viewed or they would've seen that I did not get my money back.
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| 08/24/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi Mgr ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My wife and I live permanently in XXXX XXXX- where we have a bank account with Regions Bank. We are currently living for a year in XXXX, where we have already filed a police report ( XXXX ). The XXXX police recommended that we also file a report with you. On XXXX XX/XX/2023, someone -- not us -- cut two new debit cards on our account at Regions bank. On XXXX XXXX, at XXXX, a criminal used the illegal replica of XXXX XXXX 's card at ATM number XXXX at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX illegally to withdraw {$800.00}. Also on XXXX XXXX at XXXX, at the same ATM, a criminal used the card of XXXX XXXX to withdraw an additional {$800.00}. On XXXX XX/XX/2023, at XXXX, a criminal used ATM number XXXX, also a XXXX XXXX XXXX, located tat XXXX XXXX XXXX XXXX in XXXX, FL XXXX, to withdraw an additional {$800.00}. This crime was committed using the illegal replica of XXXX 's card. At XXXX of the same day, a criminal used the illegal replica of XXXX 's card -- at the same terminal -- to withdraw a final {$800.00}. As a result of these unauthorized and illegal activities, {$3200.00} was stolen from our Regions checking account. XXXX reported these illegal transactions on XXXX XX/XX/2023 to Regions, as soon as we discovered them through our on-line banking application. Our bank -- after a very cursory investigation ( my wife had to discover the above information on our own ) -- insists that we carried out these transactions in Florida ; at a time when we were in XXXX Oklahoma, and our legitimate cards were in our possession. The complexities of this operation indicate that this fraud might very well be an " inside job, '' although our bank has no interest in pursuing this matter further. We, however, are hoping that authorities will be able to recover the security footage from the ATMs where the crimes occurred. We hope, as a result, that the perpetrator ( XXXX ) will be identified and brought to justice. We are eager to press charges against the perpetrators. Indeed, we are sure that we have not been the only victims. We are willing to press charges. All that Regions Bank said was that, since these transactions were chip-on-chip they must have been authorized by either my wife or me. My wife was able to find out the information above concerning the times and places of the transaction with remarkably little effort. As the XXXX police told us, it sounds like you have been doing your banks work for them.
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| 07/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX I received an email regarding a purchase confirmation on my XXXX account. I di not make this purchase so I immediately looked at my checking account with Regions Bank and saw this charge as well as two charges to XXXX for purchases that I did not make. I called my bank and notified them that my card and accounts had been compromised. At this point, only one transaction had cleared and two were still pending. They opened a dispute for the charge to XXXX that had cleared but told me that I must wait until the two pending charges had cleared before I could open a dispute for those two. On XX/XX/XXXX I was charged an NSF OD fee of {$72.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$180.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$36.00} and on XX/XX/XXXX a paid overdraft fee of {$140.00}. All these charges were a result of the pending fraudulent charges on my account because my previous made charges were coming through while these pending amounts were still there. I contacted XXXX who was able to refund one of the charges on XX/XX/XXXX ( 6 days after the charge was made ) On XX/XX/XXXX I was able to dispute the two charges that had been pending for 5 days as they had now cleared. I contacted my bank again to dispute these charges. I received notice from my bank on XX/XX/XXXX that they did not find the first charge to XXXX fraudulent. I faxed in a login history for my XXXX account showing login attempts in XXXX, XXXX, California, and several attempts to change my password. I then received notice from Regions Bank that they would not refund the two fraudulent XXXX charges even though I sent in the order confirmations where the hacker was ordering mattresses and shipping them all over the united states because they said XXXX refunded them to me. XXXX refunded one charge only but this was 6 days later. I visited my local branch on XX/XX/XXXX and explained what ws going on and provided all documents supporting. The branch employee told me that everything is done through a computer system and that is likely why it was denied. I have not heard anything since. I am now out {$640.00} betwen the thieves online and the thief, Regions Bank. I should not be charged {$430.00} in NSF overdraft fees from my bank that were a result of identity theft. I am the victim! I have contacted the XXXX Police Department to file a report but was told I would need an affidavit from my bank. PLEASE HELP!
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| 02/14/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.
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| 11/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Greetings, My name is XXXX XXXX. I have XXXX accounts at Regions Bank, that I would like to discuss with you. The XXXX accounts end in XXXX ( joint account ) and XXXX ( solo account ).
At the very beginning of XXXX I initiated a transfer of {$420.00} from account XXXX to XXXX account.
Issue : After discovering an issue yesterday XX/XX/23 ( XXXX weeks later ) I discovered the following ( please note this discovery came yesterday when the account ending in XXXX went negative )...
1. When I initiated the transfer it was taken out of my account ending in XXXX.
2. A few days later it was put back into my account ending in XXXX ( as a returned check item ).
3. The transfer of {$420.00} was successfully put into the other account ending in XXXX in early XXXX.
4. XXXX weeks later ( yesterday ) the amount of {$420.00} was debited from my account ending in XXXX therefore causing the account to be in a negative balance.
My concerns : 1. Why did Regions take the money and give it back to me with the account number XXXX in early XXXX? The transaction essentially canceled out.
2. Why did Regions bank wait XXXX weeks to rectify this with account XXXX?
XXXX. Why would account XXXX be the XXXX debited and not account XXXX?
My request : 1. For the {$420.00} to be forgiven from the bank. I am requesting for my account ending in XXXX to be bought back to a current/positive status.
My reasoning : 1. This appears to be a bank error. It appears to be a late act of the bank and an unnecessary confusion of accounts. As a bank customer I have entrusted my financial transactions with Regions bank. Handeling many transactions in a day let alone weeks later is very concerning.
2. The bank has had a breach of a duty of care for my accounts. It appears to be a breach of its contractual obligations to me as a customer.
XXXX. This has bought harm to my assets.
I would greatly appreciate any expeditious handeling of this situation.
Note : If this message needs to be sent to someone else at your institution or company please forward to them. I would like to have this handled as soon as possible.
I can be reached all day today via email or telephone regarding this situation. My telephone number is XXXX. Have a positive and productive day.
P.S. Please see the attached document. It includes XXXX screen shots that I have gathered for your review regarding the XXXX accounts.
Kind Regards, XXXX XXXX
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| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Sent this email to Regions Bank on XX/XX/XXXX I am writing this email in hopes that my bank will be following the lead that several other banking institutions are doing as it pertains to NSF fees. Its my understanding that based on an ongoing investigation by the CFPB regarding excessive fees charged some banks are updating their policies. These updates will reduce fees and give people an opportunity to bring their accounts current in a timely manner.
I think I am a perfect example of a customer who has been loyal for years and yet see constant fees that I really cant afford for either minimal over drafts or multiple small amounts causing lots of fees which in turn those fees compound the negative amount causing additional fees.
During XXXX my checking account was charged {$3600.00} in NSF fees. As you can see from my account I live paycheck to paycheck raising and educating XXXX kids can do that. I never overdrew my account for frivolous reasons I can understand your banks need to make a profit.
Thank you for reading my concerns, I look forward to hearing from you.
Acct number xxxx They did respond by phone a few days later stating that they were in the process of updating their policies and fees because of recent issues in general. The lady I spoke with said she would refund {$140.00} to my account as a sign of good faith, which was nice but no where near the amounts I paid and in allot of situations for a {$2.00} charge that over drew my account they charged {$36.00} and then as fast as I could deposit the fees would continue to be charged making the amounts some months over {$300.00} for me only being over drawn by a few dollars. They have continued this practice during XXXX and I've been charges several hundred dollars again, most recently for being over drawn {$30.00} I was charged {$72.00} and then my deposits could cover more fees.
I called today ( XX/XX/XXXX ) to see if they could help in reversing the {$72.00} and I was told that now you get 1/2 of a few refunded over the life of an account and I had exceeded that {$18.00} refund amount. I just don't know how the bank continues to charge such high fees knowing that in the economy for the last 18 months, most of us have been struggling. Regions Bank should not be continuing to do this, and should have offered to refund more than {$140.00} after I've paid them almost {$4000.00} in NSF fees in the last 18 months.
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| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I divorced my now ex-wife XXXX yrs ago, she is a XXXX for the now XXXX XXXX, formally XXXX. During the divorce the court order gave her sole responsibility for the jointly held XXXX card. I tried to have statements mailed to me, but my ex-wife in her position as XXXX had those requests cancelled. I went into another branch and had them print out copies monthly to make sure she was paying on time. Until the manager at the other branch told me there was n't any accounts in my name, social security number, or address, apparently she lied. Not knowing the other manager I assumed my ex-wife did a balance transfer to get my name off the debt, I was glad and thought it was all over now. I was wrong, fast forward 13 years. I applied for a mortgage and was told there was a charge off for approximately {$500.00} for that XXXX card. My ex-wife claimed bankruptcy. Regions said I was liable because my name was on the original documents. In an effort to clear my credit, remove the charge off and derogatory report I paid the balance off. In paying it off it was also discovered that my ex-wife in her position as XXXX and XXXX XXXX, had opened 2 checking accounts in my name without my knowledge. I finally got those 2 checking accounts cleared up after I filed identity theft charges. Regions still refuses to remove the derogatory report from my credit report even after I presented them with my divorce papers showing the debt was assigned to her. I had asked them to show me any correspondence relating to this that was sent to me, they said they would look into it. I believe that if any correspondence was sent, it was not sent to me, it was sent to my ex-wife, their employee. Now 4 months later, they have not responded, not replied to my emailed requests or my phone calls to XXXX XXXX Operations manager. Regions will not take responsibility for the illegal actions of their XXXX XXXX, will not honor the court order, will not provide any documentation, and cite the FTC regulations requires them to report it as a bad debt to the credit bureaus. XXXX XXXX wrongfully represented the credit bureau as a quasi government agency. Where in reality they are private companies and reporting is voluntary. I have made them whole as soon as I was made aware, provided the documentation, reported the identity theft. I believe this is nothing more than continued harassment, misleading information, and ineptness.
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| 07/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.
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| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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I started to close my Regions credit and checking accounts in XX/XX/2022. I had several issues with Regions bank ( not documented here ) pertaining to inability to transfer outside bank funds on an Autopay schedule for credit card payments ; I was told by an initial phone representative that this was not possible, and was moving to California and needed to close my checking, primary savings, and credit card accounts seeing as I would no longer be able to easily deposit or move funds to keep these accounts active. To the best of my recollection, I contacted them approximately six times to try to accomplish these : 1 ) Attempted on the phone and was told that I needed to visit a branch to close the checking account. Created a request to close the credit card account and was told it would be processed or I would be contacted 2 ) Visited a branch, where it was confirmed that my initial concerns about Regions bank and its credit card partner were confirmed by the bank manager and I received my funds.
3 ) Attempted to close credit card with Regions Greenline customer service, as I received another bill 4 ) Attempted to close credit card with Regions Greenline, as I received another bill. Recurring charges accumulated on the card. As I had closed the account, I expected these types of bills to come due from the merchants ( much as if I had canceled a credit card if it was lost or stolen and the number became inactive ), not for Regions to continue operating an account I had asked them to close several times and had been assured would be processed on these phone calls.
5 and 6 ) Contacted by Regions customer service twice to attempt to collect fees and charges that had accrued due to their incompetence in closing my account.
In summary Regions bank Customer Service and its local employees in XXXX XXXX, FL made multiple misstatements, false claims, and attempts to collect a debt which it generated under my name due to its own incompetence deserves thorough investigation so that future consumers are not impacted by its problems. I am sad to see Regions bank struggling with these issues as I was a loyal customer for many years and it was my first bank. I simply wanted to amicably close my accounts and am so disappointed to see how poorly this entire process was conducted. I hope the CFPB can review the calls and conversations where available to determine what went wrong.
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| 03/23/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account.
Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX.
I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once.
My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017.
The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.
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| 04/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.
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| 08/12/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My account and card blocked on XX/XX/XXXX without justifiable reasoning. I was not notified or informed this. Upon calling customer service on XX/XX/XXXX, I spoke with XXXX, and she stated I needed to provide a utility bill or lease document. At the point, I explained prior to XX/XX/XXXX before I moved, I went into the XXXX location presented my ID, changed my address, and ordered checks. At that time, no one stated something was wrong. Two months later, my account was blocked. I called the branch in XXXX where I opened the account, and XXXX XXXX told me that I would not have access to my account unless I presented those documents. He further stated a letter was mailed on XX/XX/XXXX, and I had 60 days to show proof. I came to the bank today XX/XX/XXXX, within my 60 days, and he tried to use that as an excuse, but it held no validity because I was within my 60 days. He told me to my face they were closing my account today. As of XX/XX/XXXX, my account still has not been closed. I explained that I lived with someone, and I did not have a lease or utility bill in my name. He then went on to say this was company policy that no customer could have a UPS address, but he was not able to show me this in the company policy. I also explained can you show me in writing that Regions Bank has the authority to not release any of my funds. Upon arriving at the bank in the drive through, Mr. XXXX refused to provide any company policy that states customer can not have a UPS as a valid address nor was he able to explain how the bank could hold my money without even allowing me to take what I need. XXXX XXXX also upheld these actions, and I demand that each of you be held accountable.
I am appalled as an XXXX American educated woman, at the unethical and illegal practices of this bank. I have been denied access to my money for almost a week, and I was not allowed any access on Monday, XX/XX/XXXX when I presented my drivers license verifying my identify. Mr. XXXX refused me access to my account without any justifiable reason. I will seek legal action because no bank has the power to deny any customer access to their funds especially with a valid ID. This is unfair and unjust. I have been a customer for over four years, and I can not believe this outlandish actions. I did record the conversation for my records. Please help.
XXXX : Regions Bank XXXX XXXX XXXX XXXX, GA XXXX
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| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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About XX/XX/XXXX I called Regions Mortgage to make a XXXX payment directly to the principal of my mortgage. Over 3 times on the phone conversation I stated I wanted the payment to go only to the principal amount. After the representative completed the transaction again I stated so XXXX dollars going only to principal. The call was being recorded according to the representative. I waited until I saw the funds clear from my bank before I called back. The reason for the payment was to bring my total mortgage under 78 % of the original balance of the loan so that the PMI could be removed. I called on XX/XX/XXXX and asked my balance which did not reflect how much it should have if XXXX dollars went straight to principal. The representative informed me that the XXXX payment went to my XXXX bill of XXXX dollars and the remainder went to principal. I explained to the rep that the total amount should have went to principal. The rep informed me she would send someone a request to back it out and then apply it to principal. Instead of waiting on that I told the rep that the {$2400.00} I usually pay for my monthly mortgage payment I wanted to pay that amount to principal. Again on recorded line I was assured that the amount would go only to principal and not towards any monthly mortgage bill. Again I waited for the amount to clear my bank account before calling. Again I asked my balance and was told around XXXX something ( can't remember the amount ) which was still not under the 78 % of the initial loan amount so I knew something was incorrect. I was informed by the rep that the {$2400.00} was applied to my XXXX bill. Keep in mind I made the payment on XX/XX/XXXX, which is not even close to my due date for my XXXX bill. This time the rep told me he would back it out and put it to principal. I asked what my balance was and was informed that I had to give the system time to update. I do not think the errors were with the reps, I think it is with Regions payment system. If I would have never called back I would have not known for a month that the payments were applied incorrectly. Interest on the balance of a mortgage is not calculated at the end of the month, it it calculated daily. That is interest that I am paying, that I should not have had to pay because my balance should have been lower than what it was. I feel that this practice is deliberate and unethical.
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| 12/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.
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| 12/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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Already a victim of identity theft, Regions did n't make it any easier after all the Harsh Emotional Distress, Pain and Suffering Humiliation they put me through 1 Week of visiting 8 Regions Bank the last branch I visited XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I Opened 3 Bank Accounts ending in,XXXX,XXXX,XXXX Which was opened by a Branch Manager XXXX XXXX XXXX work tirelessly to open these accounts reached out to Fraud departments and operations manager 's ETC. Because I had been to several previous 7 other locations because no one would look deep into my situation to help me on XX/XX/XXXX My Bank Accounts were froze by region accounts screening for new accounts up into today me filing this report. Due to a system called XXXX XXXX so I got all information from XXXX XXXX and XXXX XXXX my consumer reports filed from these companies stating everything was paid to XXXX $ balance and nothing fraudulent reported I emailed those documents to XXXX as he instructed me to. To have the holds and freezes release on my behalf and he did that indeed He reached out and emailed the documents to a XXXX who had placed the holds on my accounts for over week canceling my direct deposit had my money sitting in a limbo she fraud fought him on the issues ignored he request to remove holds and any freeze After she received verification that I do not owe money or had anything fraudulent reported I sat with XXXX for a hours 5 days a week up until XX/XX/XXXX I saw his frustration he could n't give a explanation on why regions was so harsh on me and did n't accept me as a law abiding citizen of the united states of America I could n't no longer endure the embarrassment from regions as I said on XX/XX/XXXX I told me XXXX XXXX to have my money released so I move on and close the accounts its obvious regions do n't want to accept me a client its harsh situation on their behalf he reached out again to a " XXXX '' The Annalyst Fraud Agent Responding within seconds she removed the holds and closed out my bank accounts.But did n't have the decently to respond to a regions Branch Manager after several messages and emails to remove the holds and freezes.To keep my bank accounts open which was approved by branch manager. It was like she took it upon herself to judge me and discriminate against me base on false accusations and inaccurate reported information.
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| 01/15/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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Hello. On XXXX XXXX 2016, I opened XXXX checking and savings accounts with regions bank. I made a mobile check deposit and waited for the funds to be available, so after a few days I went to transfer money from that account to another bank in my home town and when I submitted all the information I.e. Routing, account etc. I was informed that they had to verify so ok no problem but when everything was verified and I tried to transfer all of a sudden my account was locked out so I called the bank and they informed me that I had to sign some verification forms as if my electronic signature was n't enough. So I travelled XXXX mile missing time at work to come home and take care of this. So when all this was taken care a few days later I tried to transfer money and also pay some credit card bill that I have accumulated due to not having access to my accounts and was told yet again that I needed to sign the same papers again. Got I. Touch with bank manager and he resubmitted the forms so days later it was ok until I tried to pay bill or transfer money again. XXXX of my credit cards actually went through for payment but the others according to credit company the money for payment was given then taken back. Now they say my account are locked out due to fraud which there is none and no one can answer my questions about what fraud has occurred. Spoke to the regions XXXX number and they said I had to get the bank manager to talk to tech support about my account to unlock it but yet again it is still locked. When I tried to close the account I was denied stating that I had to be physically at the branch to close my account. Well I did n't have to be there to open XXXX up and do n't have to be there to make changes or to ask about my account when I call online services. Now my bills are behind, When I asked what will they do about getting my credit fixed on all late payments due to there fouled system and I was told that they ca n't do anything. For all those that read this. STAY AWAY FROM REGIONS BANK. I can only assume there saying that my account is locked due to the fact they really did n't have any money to pay the recent judgement they received and are taken customers money to pay for it and telling them that there accounts are locked out because of fraud. Well I guess that 's partly true except there the ones that 's probably committing it.
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| 03/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
Servicemember |
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I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to help.
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| 10/21/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Bank will not give me my funds from my direct deposit. MANAGER IS THE RUDEST I HAVE EVER EXPERIENCED. I called into the Regions Bank XXXX XXXX branch to speak with XXXX, who by the way has not been any type of help at all. She seems to show no passion or concern for my situation. I opened the account online, and for whatever reason the account was closed. They said maybe because of chex system. I went into the branch the day after opening the account and they said it was ok for me to have my direct deposit from my job to be deposited in this account. Acct. The day of my deposit, XXXX/XXXX/15, I am not able to access my funds. They told me my account is being closed down. XXXX refused to try to make any calls to back office to see if there was something that could be done. The manager, XXXX i believe, at the XXXX location branch was very nice, but also said XXXX was rude with her on the phone. Are you guys really here to help the customer out. However, I have car note, mortgage, and funeral arrangements to pay for. I need my {$1200.00} out of this account. The 10 day rule is not going to work for me. Either you guys refund me my direct deposit or reject it so that my employer can write me a manual check. It 's that simple. I have been in tears today, because this is my first check and it was deposited with confidence that I would be able to access it. I have children to take care of. The fact that you want me to wait 2 weeks nearly to receive my funds in the form of a check is ridiculous. i would like my account assigned to the XXXX branch, where I work and deal with them. I DO NOT WANT TO DEAL WITH XXXX FROM THE XXXX XXXX BRANCH IN XXXX. XXXX basically sat on the phone and told me " Tough Luck! '' Never was she apologetic. She is not what I though Regions would be a representation of. I really hope she is replaced with someone who actually wants to do the work and find out what 's going on. Well Regions Bank, I need my funds. You guys have closed the account, give me my hard earned money that I have worked for. I have contacted XXXX at corporate as well. I told her to PLEASE DO NOT MAIL MY CHECK OUT IF YOU GUYS HAVE TO CUT ME A CHECK.SHE SAID IT WILL GET MAILED TO ADDRESS ON FILE. I WANT TO PICK MY FUNDS UP FROM THE BANK. SOMEONE NEEDS TO HANDLE THIS ASAP, OR I WILL BE ON EVERY BLOG AND SITE TELLING MY HORRENDOUS EXPERIENCE.
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| 03/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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The first week of XXXX I was looking on my phone for computer repair help and went through hundreds of different websites. In the process my phone was hacked into and I did not know until after the following had happened. On XX/XX/XXXX I had 3 transactions in the amount of {$100.00}, {$100.00}, and {$300.00} show up on my Regions Bank from XXXX. I contacted the bank when i noticed it because I have never used this app and they closed my debit card down and filed dispute paperwork. Then on XX/XX/XXXX I had two transactions from XXXX in the amount of {$200.00} and {$300.00}, I had no clue what XXXX even was at the time. I contacted the bank and they froze my online banking account.I received texts from someone telling me exactly what website i was currently looking at on my phone and telling me who the last person i had called was, they stated if If I went to police I would go to jail. I called Regions and asked what I needed to do and person I talked to suggested changing phone number and factory reset phone and go to branch to file fraud dispute charges.I got a new number and reset phone and the text stopped and we went into branch and filed dispute on all charges. Branch said it was clearly fraud and not to worry about anything we would get our money back. Claims were denied and they ping ponged me between multiple departments and people. then someone from Regions informed me that if I filed a police report then my claims would be approved. I went to the police station and filed a report and told the officer what had happened. I then carried report to branch and they reopened my claims.I was informed when I checked the status of claims a couple days later that they were once again closed, reasons I have been given have been changed multiple times. I was told I gave someone permission to access my online banking account which is a lie, then I was told I gave someone authorization into my computer which they never made it into but they did hack into my phone not because i gave them permission, then I was told police report was too vague and that having a police report meant nothing. I've went for multiple weeks trying to get my {$1000.00} back and talked to probably 30 different people across 4 departments and they all understand and say they see what happened but the people that review the claims keep denying them.
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| 01/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I have two issues with accounts I recently opened with Regions Bank. I opened these accounts after receiving a promotional offer mailer advertising a bonus for opening a new checking and/or savings account. I opened both a checking account and a money market savings account, and have received the {$400.00} bonus that was advertised to me. So far, so good.
XXXX ) The issue began when I went to close these accounts, as I opened them only for the bonus offer. The branch employee informed me there would be a {$25.00} " early closure '' fee for both accounts because they had to remain open for at least 6 months, as part of the promotion. This early closure fee was not disclosed anywhere on the promotional offer ( images attached for reference ), nor anywhere that I recall during the account opening process. Note that I work in consumer protection compliance for a large national bank ; in other words, I read the fine print. So I was more than surprised to find out about these fees only through the ( very helpful ) branch employee. This is material information that may have affected my decision whether or not to open these accounts. Given both the CFPB 's and President Biden 's recent advocacy against junk fees, and against deceptive practices in general, it's surprising to me that Regions would try to impose a fee like this ( on a promotional offer, no less ) without at least disclosing it to customers.
XXXX ) The second issue is specific to the money market savings account. I was recently charged a {$12.00} fee that, through research, I believe is for for not maintaining the required minimum account balance. ( I say through research because my statement gives no detail on what the fee is for ). I'm fairly certain the minimum required balance when I opened my account was {$2000.00}, because that's how much I put in the account ( i.e. I didn't choose {$2000.00} at random ). There is nowhere that I've found in my account info that states what my minimum required balance is ( super helpful ), but looking at other Regions accounts it appears to be {$2500.00}. I'm not sure if this changed after I opened my account or what happened exactly. I won't say it's impossible that I read the min balance wrong, but again, I can't imagine I would've chosen to deposit {$2000.00} if I knew the minimum required balance was {$2500.00}.
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| 10/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX 2017, XXXX XXXX XXXX withdrew funds out of my account without my permission. The account was set up for autopay, and my regular payments come out on the XXXX of every month. When I contacted XXXX XXXX XXXX around the XXXX of XXXX, they notified me that their is nothing they can do since the funds were taken out by a third party ( XXXX XXXX ). I asked XXXX XXXX XXXX what is the next course of action, and they told me that I would have to contact my bank and file a dispute. So I filed a dispute with my bank around the XXXX of XXXX as well. I currently bank with Regions Bank. Regions bank notified me that they will send me a form to sign and return to them. So a couple of days later, I went to the Regions branch and the bank representative printed out the paper and told me where to sign. I asked the bank representative was there anything else that I needed to do and she said no, all the information was completed. I decided to call the bank around the XXXX of XXXX and found out that the claim was denied. When I called the solutions team with Regions bank, they notified me that the claim was denied because some of the claim information ( that regions wrote on the form ) did n't get faxed correctly ( regions representative faxed by the way ), and that they are missing supporting documentation ( which the regions representative said was n't needed ). so now I am truly frustrated and had to go through the entire process again. So I resubmitted all the information with supporting documentation saying that the payment is n't suppose to be taken out until the XXXX. I waited 5 days and was told that the claim was still pending, but a decision should have been made since the solutions team only have 5 days. Then I called back after that and was informed by a male representative that the solutions team should of had a decision and that they are going to have to escalate it to management. So now I 'm assuming that they just do n't care about my business and that my claim is n't a priority. Then 2 days later after the male Regions representative submitted the information to the solutions management team, they denied the claim. After all of this and submitting my supporting documentation, I feel like Regions did not look out for my best interest and this issue created overdraft fees in my account which I had to pay.
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| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On the afternoon of Friday, XX/XX/XXXX, I tried to transfer money out of my Regions checking account. The online transfer system would not let me make a transfer. I called the online help center, and they told me there was a hold on my account. I asked why, and they said there were no notes on why there would be a hold. They told me to go into a Regions bank to resolve the issue. It was late on a Friday afternoon. I had to leave work early to go into a bank, as I did not have access to my funds.
I went into the bank located at XXXX XXXX XXXX, XXXX, TN XXXX on Friday afternoon and met with XXXX XXXX XXXX XXXX. She said she normally worked at another branch but was at the Regions XXXX Branch for the day. She said that she did not know why my funds were locked. She said that the online banking team should have put in a ticket to resolve the issue, but they had not. She put in a ticket. She gave me the business card of the bank manager and told me to contact her the next week.
I attempted to contact XXXX XXXX, the branch manager repeatedly on XX/XX/XXXX and XX/XX/XXXX. I left many messages. Each time I called, I wad told that she was unavailable, at lunch, or at another branch. No one else at the branch would help me. I called online banking again, and they said they did not know why I had a hold on my funds. I called the branch again, and they said that due to internet issues, their phones were not working correctly enough for anyone to help me.
The whole situation feels like the bank is giving me the runaround. No one will give me a straight answer. Every bank staff member just says they have no clue why my funds were unavailable. The bank staff member who may know will not return phone calls within a reasonable time frame. In general, if I have {$900.00} in my account, I should be able to use it. I want to know why there was a hold on my account so that I can avoid the situation in the future.
Additionally, Regions did not notify me in any way that there was a hold on my account. Had I not discovered the issue Friday afternoon, I would not have been able to go into a bank branch immediately, but would have been surprised at some point over the weekend not knowing the issue, and unable to pay for goods and services. If a customer has a hold on their account, they should be notified of it immediately.
|
| 11/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I have on XXXX occasions disputed charges from my Regions Bank debit card linked to my Regions Bank Checking and Savings account, which were made that were the result of fraud. In XXXX, my debit card was lost and charges were made at XXXX XXXX for over {$300.00} dollars, from XXXX XXXX for over {$20.00} dollars, and an ATM withdrawal debit for over {$500.00} was made. I immediately contacted Regions via telephone and was told that until the charges actually posted, nothing could be done other than to cancel the debit card and re-isssue another XXXX. After the fraudulent charges posted, I went into the XXXX GA branch and filed a formal dispute along with signed affidavits. After waiting over 10 days, on XXXX XXXX I contacted Regions bank again via telephone and was told that the claims were denied due to the fact that the PIN number had been entered correctly on the ATM withdrawal and due to that, the other dispute claims denied as well. When I informed the representative that my PIN number was NOT written on the card, but that I did have the PIN number on a piece of paper enclosed in the same wallet that was lost which had my Regions Bank Debit card in it. I was told by XXXX XXXX XXXX of Regions Bank that she would appeal this and resubmit the dispute as long as I submitted a police report to Regions, which on XXXX XXXX I did submit a police report to Regions Bank and emailed it to : XXXXXXXXXXXX. As of XXXX XXXX, I have not been credited back for the XXXX fraudulent charges made on my Regions Debit card, nor the fraudulent ATM withdrawal which was made with the same card. Not only has Regions failed to credit me back for these debits, they also have n't credited me back any of the numerous {$36.00} dollar NSF fee 's they have debited my account for. I am a XXXX American and rely on my Social Security money as my sole source of support, and this money is directly deposited into my Regions Bank Savings account. When I received my XXXX Social Security funds into my Regions bank account, a significant portion of this money was immediately taken by Regions to cover the over {$860.00} my checking account was at that time overdrawn by, directly as a result of these fraudulent debits and Regions subsequent illegal debit of fees charged to me. I find Regions Banks actions in this matter to be bordering on Criminal
|
| 05/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
In XX/XX/XXXX, we purchased a house with an expensive air conditioning system. On the first hot day of the summer of XXXX, we turned on the AC to find that it did not work. It had to be replaced on XX/XX/XXXX. We signed up for a one year same as cash agreement with EnerBank USA, and I began making payments. The amount owed was {$8400.00}. I paid {$2000.00} on XX/XX/XXXX, {$430.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, {$750.00} on XX/XX/XXXX, and {$750.00} on XX/XX/XXXX. I have now paid the entire amount, but EnerBank does not acknowledge that I have made all of the payments.
I have had long phone conversations with 3 different employees on 3 different dates, and each of them has given me different information about payments that were not received. One of them even sent me an invoice that indicated that EnerBank owed me money ; some of my payments had been doubled.
From the beginning there were problems with making payments. Twice I was able to make payments online. Other times when I tried, I could not. I asked for payment coupons and occasionally received one, but some of my payments were made without coupons because I did not have them. The amount that I owed was never accurate on the statements that I received. One statement indicated that I owed interest when the agreement was that there would be no interest owed if all of the debt was paid within 1 year. Statements received indicated that my first payment of {$170.00} is due XXXX, XXXX, more than 3 months after the year end due date.
I have sent verification of a payment that one EnerBank employee said they did not receive. My verification was not acknowledged. On XX/XX/XXXX, with my final check payment, I sent EnerBank a letter detailing each payment that I have made, whether it was online or by check, the amount of the payment and the check number. When I phoned today to double check my final payment of the loan, I was told that they did not receive that verification and that I still owe {$1500.00}. I asked to speak with someone in management and was told that management only takes emails ; I was told that someone from Customer Service Management would call me back but there is no direct number so I can not call them.
|
| 03/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
To start off, I am XXXX. I am XXXX, which in America is considered a XXXX. It is XXXXXXXX XXXX. I have tried resolving these problems with Regions Bank many many times, in attempts to get relief from the overdraft fees of well over {$200.00} a month for the last year or more. The majority of the time I have been opted out of overdraft protection.
As it stands right now, my bank account is- {$820.00}. My paycheck will not be coming to this bank account any longer, as I will not be able to pay rent or anything of the sort if it did.
With that said, I am currently opted in to overdraft protection, which I did because I needed it this past week. My limit is- {$200.00}. So please have someone explain to me how transactions do not get declined, and at what point they do get declined, or if their abusive practices simply allow it to go that negative due to my direct deposit coming through each month.
I have gone to the XXXX in hopes that I receive a refund for the past year of overdraft payments, as many times they have overdrafted me on {$2.00} charges. From the dates XX/XX/2021 to about XX/XX/2021 I was on Social Security XXXX, and that was my only income.
This entity is financially abusing me and I have no escape from it. It does not matter to me if these charges are bounced- I can manage without them until paydays. What I can't do is handle $ 200+ a month in overdraft fees when I am already living paycheck to paycheck and counting on my elderly mother for food and utilities.
If this is not abuse, then I will not be using a bank account in America any longer. I want to see more action taken against Regions Bank than them simply sending me a letter in the mail instead of responding to me through the channel that I chose. They didn't even have my address entered correctly.
This is unacceptable. XXXX XXXX 's bill, the Stop Overdraft Profiteering Act of 2021, has seemed to have an impact as Regions is discontinuing overdraft fees, but Regions still refuses to offer any assistance by refunding the fees or preventing them from continuing.
It does not cost these banks {$35.00} for a {$2.00} fee! THIS IS LEGAL FRAUD. The economy is crashing and it's America 's banks that are at fault. If nothing is done regarding this case, I am switching solely to Bitcoin. They will not get another penny out of me.
|
| 11/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Today, XX/XX/2022, we contacted Regions Bank in regards to a {$72.00} over draft fee that hit our account this morning. We didn't understand how we received the fee because we had {$8.00} left in our account. I checked our account at XXXXXXXX XXXX and also at XXXX XXXX The amount never changed, until we checked our account at XXXX XXXX It showed our account was - {$180.00}. When looking deeper into the issue, it looked as though Regions moved some transactions around to cause our account to be in the negative. The way that the purchases are listed, it's showing that we've made pin purchases while in the negative. How is that possible? Regions never authorizes a pin purchase if your accout is already in the negative. We informed the representative of this information and they were no help at all. They couldn't give us a valid reason for charging multiple overdraft fees. The representative stated maybe we were not looking at the available balance properly. Even though when you login online it shows you the available balance and the amount be held directly at the top. You can't miss it! When a pin purchase is made, that money is instantly taken away from the available balance. The representative never acknowledged our statements and constantly stated that they were not giving our overdraft fees back. The rep even stated that our fees were caused by a fast food purchase ( XXXX purchased on Saturday, XX/XX/2022 ). We downloaded the overdraft fee document from the website and it shows two pin purchase. XXXX purchase was in the amount of {$44.00} ( XXXX ) and the other is for {$4.00} ( XXXX ). The representative avoid telling us this information and absolutely nothing was resolved. Of course a situation like this has happened before with Regions, a representative stated that we can not go by the transactions listed online because they are incorrect. That we needed to keep track of our own transactions to make sure we up with our available amount. That was a very shocking yet confusing statement! Why would I need to have an online accout if everything is constantly incorrect. Everything they've said and done to justify why they are constantly taking money from us doesn't make sense. We've grown very tired of Regions Bank and all of their excuses. Especially the terrible customer service.
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
i was presented a large check of over {$40000.00} by the trustee of my family trust, the trustee is my step father and he used Regions Bank to handle the funds of the trust. the closest Regions bank branch to me is over XXXX miles away. so before traveling to the XXXX iowa branch i spent considerable time on their " green line '' trying to get through to a person so so i could get that branches telephone number. i spoke to a lady there named XXXX and gave her the details of the trust check including that the trust had liquidatedproperty and made out checks to my XXXX sibblings, and to XXXX of the trustee 's family that were double what my and my sibblings checks were for. this was on a wednesday. XXXX told me she would call me back on monday after she contacted their legal department to verify the info. i did not ever recevive a call from her and then on XX/XX/29 i called her back and had to leave a message for her to call me. over 2 hours later she returned my call and said that she had verified everything and there would be no problem giving me a {$40000.00} cashiers check and the rest in cash minus the fee for cashing the check ( {$20.00} ) and the fee for the cashiers check deducted from my cash. she thanked me for my patience and the 2 week advance notice.
less than 1 hour later she called me back to inform me that they could not sell me a cashiers check because i was not an account holder and therefore would not under any circumstances cash the check for me. they know that i do not have a bank account as i am XXXX XXXX XXXX and have no job or income so no need for a bank account.
this bank is refusing to cash a verified genuine check written on their bank and therefore are drawing interest daily on MY MONEY ( ie : stealing from me as they will not pay me said interest money that is rightfully mine. ) when a bank does not have to honor the checks from a customer because he does not have an account with said bank, but honored 5 other checks written at same time to mostly non account holders with their bank. ( one such beneficiary of this trust lives in Pennsylvania it ) is a breach of trust in the banking system as a whole. i now want all but the {$20.00} check cashing fee ( as advertised on their website ). in cash, i no longer wish to possess any of their banking products!
|
| 11/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
REGIONS BANK This is the worst bank I've ever had to deal with. I am retired collecting Social Security income. The representatives you deal with are totally unacceptable, unprofessional and the Banks policy ( according to what I gathered from what the banks representative tried to explain to me ) is NOT fair and downright robbery to any customer, also the Online Statements are not accurate and are deceiving, unfortunately to any and all customer of theirs. Regions Bank. In one of their internet statements it states We're Regions, and we're here to help. REALLY?
I called my branch hoping they could explain to me why Overdraft Fees were charge to my account this morning, especially since the night before my Available Balance was not in the red. During the call, the representative, after some nonsensible explanation, told me that I would need to speak to the Manager, who wasnt there, she explained there were other customers waiting ( am I not a customer? ). I reminded her that I was also customer and she needed to attend to me accordingly. I wanted her to explain to me why on the evening before, while checking my online statement every line on the statement was positive and that showed a Posted Balance in the positive, then a Pending Balance ( 4 pending items ) and finally my Available Balance also in the positive. All was good and in the positive, at that point last night.
This morning when I checked my online statement, Regions Bank charged overdraft fees amounting in total for {$100.00} ( apparently, 3 overdraft fees of {$36.00} each ) that was immediately posted after a positive balance and resulted placing any pending charges in the red. Above this over draft fee of {$100.00} were 2 remaining pending items that were from the original 4 pending charges on my account and as stated above were now in the red.
This made absolutely no sense to me at all. Keep in mind, I was never in the red the evening before which included 4 pending items, mentioned above, that I already knew about and correct.
The representative could not explain why overdraft fees were charged, that made any sense to me even after explaining everything I stated above and she began speaking over me while I was talking. She insisted that I speak to the manager on Monday.
This just doesn't make any sense to me.
|
| 05/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Hello Sir/Madam last year XXXX of XXXX, I have gotten a home improvement loan from EnerbankUSA to do a roof replacement for my house in the the amount of {$15000.00}. The loan term says same as cash which i never knew how it works since they never provided any information. However it says the payment is not due until XXXX this year, XXXX. Fine so I have set up an automated bill pay in ADVANCE for the monthly {$300.00} on XX/XX/XXXX. At the same time I have tried to contact enerbank to find out exactly what's my exact balance is due. Therefore, I couldn't get a hold of anyone. The website didn't work for me neither the phone call to obtain the balance i needed to pay. Most of the times its 30 to 45 minutes call wait time and the call gets dropped after certain time. Anyway I was making random payments such as {$7000.00}, {$3000.00}, {$2000.00} within one month. Then on XX/XX/XXXX, after so many attempt, I finally got a hold of a live EnerBank customer service adviser. When I asked about the remaining balance he said I still have some small balance left but also there is interest occurred. I asked the associate to take the remaining balance over the phone immediately, which he did and there shouldn't be any balance left on the account. Then I tried to explain to him that's why i called many times to find out the balance but its almost impossible to talk to someone. If there is any interest which unintentionally happened due to the fact not to get a hold of anyone. Then the associate told me that supervisor is in a meeting but he will call me back to resolve the matter. Nearly one month later on XX/XX/XXXX i got to talk to a different adviser in EnerBank, and explained the situation again that i was expecting a call back from your superior but then i never received any call. the she said the same thing supervisor is in a meeting and she will expedite the matter and supervisor should call me the very same day. Unfortunately no one called at that day. Then i tried to learn about the bank and found some interesting facts. That's how they do bad practices in the name of bank. Intentionally they don't flow ON CALLS or correct information provide to the consumer and therefore most of their consumer can go through with XXXX and illegal fees/ interest which is not consumers own fault.
|
| 06/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Sunday, XX/XX/XXXX my identification and all of the contents of my wallet were destroyed in a car fire. Monday, XX/XX/XXXX, I went to the Regions Bank branch in XXXX XXXX XXXX where I received my replacement debit cards, made a deposit and a withdrawal using my temporary ID and answering identifying questions regarding my account and had no issues at all.
Tuesday, XX/XX/XXXX, I went to the Regions Bank branch in XXXXXXXX XXXX XXXX XXXX XXXX. to make another withdrawal in the same amount as the day before. The teller, XXXX XXXX, told me that I was not allowed to do that without a photo ID. I explained to him that I had just done the same thing the day before at a different Regions Bank branch and offered to answer any identifying questions that he may have regarding my account. Additionally, I had my son text me a picture of my current passport showing my photo, name and current address. At which point he instant messaged the branch manager, XXXX XXXX and explained to her the situation. I asked XXXX to speak to the manager. He informed me that the manager responded that she was busy on a business meeting and did not have time to speak with me. I told XXXX that I was a XXXX-year customer ( I opened my first account in XXXXXXXX XXXX in XXXX ) of Regions Bank and no business meeting that XXXX XXXX was on was more important than her customer. Inevitably, I knocked on the manager 's door to get additional customer courtesy/professionalism from the branch manager. Without fully acknowledging the situation or show any empathy for my situation, she denied my request to withdraw my funds from my checking account. Furthermore, the entire time that I was in the bank her back was to the main lobby so she was unaware of what was going on in the branch.
I left and returned with my burnt drivers license and passport. I spoke to XXXX again and explained to him that I too am in banking. I am the XXXX XXXX XXXX XXXXXXXX XXXX for a bank and presented him with my business card and educated XXXX on in a situation where a customer cant provide a photo ID how he should handle it.
The branch manager 's lack of customer care, professionalism and general banking knowledge didnt warrant me interacting with her again. I explained to XXXX that I would be filing a formal complaint with the CFPB.
|
| 02/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
I opened a secured credit card account with Regions in XX/XX/2017 at the XXXX XXXX branch in XXXX, Alabama. The representative was XXXX XXXX. I advised XXXX XXXX that for security reasons, I wanted the new card to go to my XXXX XXXXXXXX as I've experienced difficulty receiving mail at my residence. XXXX XXXX advised that it had to go to my residential address instead, so the card never came. I asked XXXX XXXX how long would it take for the card to be issued & she could not provide a turn around time whatsoever. I even made requests to have the card personalized ( for added protection ) & she refused. I asked for special handling ( XXXXXXXX, etc ) upon completion of the processing & she refused that, also. As a matter of fact she took the time out of this application process to comment on how her & *her* husband lived in a rented house for 3 years & paid {$750.00} for rent & then she said, " I mean {$720.00} & we wasted almost {$9000.00} per year in rent instead of home-ownership. Her comment was unsolicited, inappropriate & was tailor made to my husband & I as we rented a home for exactly 3 years & paid {$720.00}. I am a victim of whistle-blower reprisal & I recognize these types of comments as they've been made by retailers before as a form of verbal harassment. I am contacting CFPB in regards to the fact that my card was sent overnight to XXXX, Indiana in XXXX after repeated calls & inquiries to XXXX XXXX, but when the card arrived, XXXX XXXX had a fraud alert placed on the card, so upon activation, the card did NOT work. XXXX knew that she was speaking to me because I provided information that only I could provide. She claimed she was getting the hold/block lifted but I've only been able to use the card once & I've been declined at various merchants including XXXX. XXXX XXXX repeatedly asked me when I was returning to XXXX as if I had no right to visit family in another state. Her repeated interference is a violation of my civil rights & I would like to have these fraud alerts removed once and for all. Her actions are willful. She is skilled at playing dumb, but is well-aware of the damage & repeated harassment. I opened the card account for credit purposes, but her malicious acts are adversely impacting my ability to use the card and to make timely/early payments.
|
| 04/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
As a working mother, my family has banked with regions for several years now. I do n't recall them asking, but I know they switched our statements to online only, and we no longer receive paper statements. My husband nor I have had much experience managing finances and live paycheck to paycheck to make ends meets. Recently when I needed information, I found our online statements online ( not easy to find since I use mobile banking per the bank 's request ), and realized my family had paid the bank thousands and thousands of dollars in overdraft fees and fines each month. We barely get by as it is, and I was sickened to see that my trusted financial institution had not only been charging me multiple fees for single transactions, but allowed this outrageous amount of fees to be charged month after month. Never once did we receive any letters indicating we were incurring so many charges, never once did we receive a phone call and I honestly do n't remember even signing up for overdraft protection. I see now its a button you can click, but its not very clear and would be easy to click and forget about. The only time I recall intentionally signing up for any overdraft protection was when we had a savings account linked, which was closed years ago. I am now learning to budget and take control over my finances, but feel taken advantage of by Regions and feel it should have put a limit on the maximum number of fees, or turned off the overdraft service ( which I am not 100 percent certain I ever signed up for. ) In XXXX my family paid {$6400.00} in overdraft fees to Regions, in XXXX my family paid almost {$11000.00} in fees to Regions and in XXXX these past few months alone, we 've already paid {$4000.00} in fees. I will be moving banks in the near future to an institution that I feel is a trusted partner, and an institution that will counsel and advise families like mine, scraping by on how to better budget and manage finances. Instead I feel Regions robbed me blind and unfortunately I was not wise enough to realize it before now. Regions has not helped my family achieve our financial goals, instead they have stolen them from me and my children. There are weeks we scrape by to make ends meet, but that I now know is in large part to Regions deceitful and manipulative policies.
|
| 10/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I opened an account with Comdata in XXXX of XXXX for my truck drivers to purchase fuel for long distance trips. My account code is XXXX. The cards were setup for fuel only and on situations were a driver needed cash for roadside assistance, truck wash, fax service, etc. I manually generated an EXPRESS CHEK code ( XXXX ) from the Comdata portal and send code to the driver with the amount available on the code to access cash or pay for service.
On XX/XX/XXXX we hired a new driver, XXXX XXXX XXXX whom managed to withdraw cash advances from the fuel card without me knowing. The fuel transactions Mr. XXXX was making were legitimate but the cash advances were fraudulent. From XX/XX/XXXX-XX/XX/XXXX Mr. XXXX stole a total of {$28000.00} not including the fees for the cash advances.
On the weekly statements Comdata sends in the mail ( " Daily RECAP SHEET '' ) these cash advances were not listed on the summary only express codes and the total purchases for each card. During the first week of XX/XX/XXXX we had a business slow down but the comdata fuel expenses were still high. I called in Comdata for help and when I spoke to a representative they guided me to a section of their website where I will have to run specific reports for detailed explanations and that's when I realized the fraudulent cash advances Mr. XXXX was taking with his fuel card.
I have filed criminal charges with the XXXX, New Jersey Police Department against the driver. I immediately reported all the fraudulent transactions to Comdata however they are refusing to issue credit for the charges because they claimed the driver had a card. However I never requested for this drive or any driver to have access to cash advances that was the purpose for the express chek codes. If they would have listed these cash advances on the weekly recap statements I would've notice the fraudulent activity but they were not listed.
I believe Comdata needs to credit me back for these transactions as they never notified me about any cash advances this driver was fraudulently making or any of my drivers, and they also never notified me that my drivers were able to get cash advances with their fuel cards. I have attached a copy of what the daily recap weekly statement looks like and it does not show anything for cash advances.
|
| 08/09/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
Older American |
|
This complaint is related to Case No. XXXX. My parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, & my deceased grandmother, XXXX XXXX XXXX, have had loans with Regions Bank & its related predecessors since XX/XX/XXXX. Every time they were near paying off a loan, they were told they had to " refinance. '' Regions refuses to give me any copies of loans before the recent line of credit in XX/XX/XXXX. As I discovered Region 's abuse of overdraft fees, I have found my efforts to find out how and why this installment loan was taken in XX/XX/XXXX have been thwarted by upper-management as Regions ' lawyers attempt to cover up what caused my parents ' current situation with the XXXX, Fla., branch, whose leaders responding continue their shrug of self-absolution as if they were not complicit and benefitting from this situation to make their branch 's monthly bottom-line goals.
Most of my questions, including how to file a complaint within Regions Bank, were met with an " I do n't know '' or " I 'm not sure. '' My refusal to leave the bank until I filed the complaint resulted in the on-duty branch manager getting up from his desk and allowing me to sit at it and use bank property to type my complaint rather than typing it himself. This kind of laissez-faire approach reflects the lack of investment in my parents that this branch has shown for decades as it profited from the decline in my father 's creditworthiness.
In the refinance of our property that occurred in XX/XX/XXXX, the bank was able to charge two times the market interest rate for those in my family with " good credit '' like my mother, whose credit was ruined by recent issues with the mortgage that have been resolved, and me. Our scores in XX/XX/XXXX would have earned us a much lower rate.
My family is among XXXX who have suffered from these kinds of discriminatory, illegal practices that violate the Consumer Finance Protection Act of XX/XX/XXXX, the related Dodd-Frank Act, the Equal Credit Opportunity Act, the Homeownership and Equity Protection Act, and the Truth in Lending Act.
Thanks in advance for your assistance in getting Regions to be forthright about the circumstances of the XX/XX/XXXX loan and others over the past four decades.
Respectfully submitted, XXXX XXXX XXXX llamarwilson.com XXXX ( cell )
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I heard about the Cfpb through an XXXX XXXX and used the tools they gave me the same day.
I opened a non-profit XXXX account ( Be the XXXX ) with my bank about seven years ago. I visited the bank on Friday XXXXXXXX XXXX XXXX to obtain statements and I discovered at that time that I had been charged ananalysis fees every month since the opening of the account - $ XXXX {$30.00} for each occurrence. I was only made aware of this error when I went to the bank to aquire statements for our upcoming event. Regrettably, I had never received a statement on this account. I spoke with both branch managers and was advised that while the error in charging this fee was the fault of ( my Bank ), I would only be able to receive 2 of the fees back into my account as a refund. This ultimately, did not seem right and I felt as though my ministry had been robbed.
The 2nd branch manager I spoke with gave me options and was truly sincere in her trying to make this right. Unfortunately I had to visit the bank again Tuesday XXXXXXXX XXXX XXXX I wanted to see if Regions will make this right before I took any additional steps to rectify this issue. I started this account to store funds for our non-profit organization to go into schools and cast vision with our children about their futures and also give back to our community.
I went to my bank and spoke with a branch manager and he only said I should have been looking at my statements. The fees totalled over {$2000.00} worth of fees since I opened the account.
My request was simple ; " I would like a full refund of all analysis fees that I was charged for this account. '' I have contacted the Cosumer Financial Protection Bureau and received help from them on this matter. I explained to them that I wanted to make sure that I do everything possible that I can do with my bank of over twenty years before I took any extra measures to make this right.
After 10 days of people saying " no '' I had to standup for myself and I told the boss over that branch that I wasn't stopping until those ministry funds are returned.
I would like to file a complaint on how poorly I was treated and how they spoke to me, placing fault on me because I didn't see their error and stop them.
I'm proud to say they have approved the refund of all fees
|
| 12/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have been receiving the following email for several months about XXXX a week from Regions Bank.
I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them.
Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images.
Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history.
Because we value your time, we are emailing this information to ensure you are notified as soon as possible.
Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account.
Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page.
Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX.
Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails.
Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX.
Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website.
Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS
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| 07/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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Please cross-reference with complaint XXXX-XXXX. They wrongly closed out my complaint. I bought up the rate on my mortgage, meaning that while Region 's paid most of my closing costs, I have to pay a mortgage rate of 4.3875 rather than a par rate of somewhere around 3.875, meaning that I will pay thousands of dollars more over the course of my loan. Region 's significantly changed the fees disclosed to me in the Loan Estimate presented to me. Region 's sent my complaint to their Compliance department but their Compliance department only reviewed it with technical regulations in mind and that because Region 's paid the closing costs, they stated that they were fine in changing / increasing the fees I was disclosed. In their eyes, I therefore lost all my consumer protections because I bought up the rate. If / when Region 's sells this loan off, they will make thousands of dollars off of the increased rate for someone with an XXXX credit score. I feel this is extremely unfair, deceptive and abusive. I passed this up to the very highest levels of management, speaking to XXXX XXXX, Regional Mortgage Manager. He touted his resume, told me that this store had a 100 % customer satisfaction rate, asked what I wanted ( to which I responded I just wanted to pay what I was originally disclosed ), told me he would research my issue further and get back to me ; it was two weeks and multiple calls from me to the call center before I spoke to XXXX XXXX again - at which time he had four additional people on the phone and told me he was bringing closure to this issue and that Regions would not do anything further. I feel that due to the flippant nature in which my complaint was handled, the lack of proper governance and controls, the lack of an effective compliance management system and the willful negligence and unethical behavior exhibited by Region 's, the CFPB should conduct a further investigation as to the manner in which other customers who bought up their rate were treated and to see if the amounts they were originally disclosed also increased as mine did. This could bring about a rather large enforcement action against Region 's. Additionally, the co-borrower on this loan is an XXXX XXXX Servicemember / XXXX and is about to leave for a deployment overseas.
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| 08/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On several occasions now, Regions Bank, XXXX XXXX, XXXX Ga. where I opened the account, has taken money from me in the process of my using their services. This has become habitual. Currently, the bank on both XX/XX/2018 and again on XX/XX/XXXX of 2018, the bank withdrew fees, ( 3 ) in total in the amounts of {$36.00} dollars and then {$72.00}. The fees are for NSF charges and the account was NOT over drawn on any of the days and dates they did this. It is as if they are using my account like a cookie jar for their own use. I called and argued the fact back in XXXX and proved the account was not over drawn using the banks own statement for the day and days surrounding the debit, and they STILL refused to return the money. Getting away with this, they apparently feel free to do it again. The money missing this time prior to my realizing what they had done did cause my account to over draw a week later, by their construction, and a snowball affect of their taking more fees! THEY HAVE BLATANTLY STOLEN MONEY FROM ME, practice methods to then force and cause an infraction ; AND THEN TAKE THE POSITION THAT I CAN'T DO ANYTHING ABOUT IT! Can you please file a formal complaint and help me. I'm fed up with their many practices.They have at one time back in XXXX solicited me to use their bank to bank transfer funds process which, when I followed through in the amount of more than {$600.00} dollars, ( two separate transfers, and I paid a monetary fees for the service ) .... the money never showed up into the other bank. I waited days. When I attempted to located the transaction online within my statement, Regions took away my ability to access my account online. The tech department couldn't even get me a new pass word or fix the issue. After a week and in visiting the bank in person because the money just " disappeared '' and the bank refusing to return my money, I went to a lawyer and within several days I was back online and the money was returned. However, they are apparently now at it again. If they are bullying me and stealing from me, I'm sure I'm not the only one. I have photo copies of my bank statements and will attempt to forward them here if possible.
Thank you, Ms. XXXX XXXX The Artists XXXX XXXX XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Business
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| 08/11/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX?
My receipt printed with a {$3.00} POSITIVE BALANCE!
These NSF are completely unfair, your online application completely and utterly sucks.
So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015.
I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.
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| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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My mom originally opened her acct over XXXX years ago with Regions bank. In XXXX I was working and decided to open an account for pay paychecks to be deposited in. The bank required me to have my mom on the account they said until I turned XXXX. XXXX XXXX now and I have tried to remove my mom but the bank has refused. They said I would have to close down this account and start all over, which is a hassle with the amount of bills I have coming up each month. Approximately XXXX months ago I noticed {$54.00} missing from my account. I called the bank and was given a run around and a hassle just to access the information. Then I was told it was offset to pay my moms loan payment that was in arrears. I am NOT liable for my moms loan payment, that is her sole debt, I did not sign for the loan and Im not the responsible party. I requested the money be returned to me but the bank refused. Fast forward, yesterday morning when I checked my account I noticed {$410.00} missing. This money was allocated for my bills. They left me in the negative. I called the bank and they said they applied it to my moms account once again. I went round and round with XXXX, the collections XXXX. She was rude and condescending and wouldnt let me speak. I asked why we were not notified. She claims we were notified. I asked for the date of the notification and she changed the subject. She said we were notified on the day the account was open, over XXXX years ago. I do not feel that the bank has the right to take my money to pay another persons debt, that I did not agree to pay. Also this banks does it in a sneaky fashion by not sending notifications. Even IRS & Student loans give proper notifications before seizing money from an account. Now this morning I woke up to them taking another {$240.00} from my account. I do not know all the banking rules but have read that on joint accounts they cant pull money owed on sole debts that dont belong to me.
I have more documents but I need to send them at a later date as they are not on this device. I will send these document that shows they credited my moms account with my debit. I also attached the only information I could find online that states that banks should not offset from joint account for a sole debt thats not mine.
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| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
Older American |
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XX/XX/19 Regions Bank Corporate Headquarter To whom it my concerns, My name is XXXX XXXX, I had 3 account with your bank, ( 1 ) Checking XXXX, ( 2 ) Now Card XXXX ), and ( 3 ) Saving XXXX. On XX/XX/19 at XXXX XXXX, I try to Load {$500.00} on to my Now Card ending in ( XXXX ), while at the XXXX XXXX branch in XXXX XXXX, doing so the ATM shut down without giving me a receipt for the {$500.00} and keeping the Now Card ( XXXX ). At that point I call the XXXX spoke to a XXXX and he suggest I go the near branch, to retrieve my {$500.00}. Which I did, plus calling the bank while in route and spoke to a XXXX at the XXXX XXXX XXXX, she told me once I get there she ( XXXX ) would be able to file a claim. In walking in the bank I met with XXXX and she took my statement and gave copies of everything. XXXX told not to worry because even with a receipt for the {$500.00} the camera and my Now Card would show proof of my deposit. I told her I had XXXX and so change on my Now Card ( XXXX ), since I close this account I need wait until Tuesday for the money for the old card to post to the new Now Card ( XXXX ), here it is XX/XX/19 and my money still have not posted. And, when I tell you I very UPSET about my money. Again on XX/XX/19 I call the XXXX I spoke to several people from that office before being transfer to XXXX who assure me that the bank was working on getting me my money, and to check my account on Thursday, well here it is Thursday and still no money. At XXXX, I call back to the XXXX number and XXXX who advise me to go to the branch where I made the deposit. The point is I had to make all the calls about my money, I feel someone from the branch or the claim department should have call me and at least apologize and let me know what is going on with my money. I am one step away for notifying the Federal Trade Commission about my problem with your bank and my money. There should have at least been given a courteous call if nothing else.
However, as of XX/XX/19, the is refusing to give me my money bank, stay they need to count the money for XX/XX/19. It has been 2 weeks and all I got is a letter telling my claim has been deny. That is not right. Should I file a police report? Please help me tell me what I need to do. Thanks for all your support.
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| 05/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We were using the XXXX XXXX MasterCard for fuel for our company vehicles. We just established this account in XXXX . All employees that drive company vehicles were assigned a card with a unique PIN to avoid unauthorized transactions. XXXX XXXX XXXX XXXX contacted me via email on XXXX / XXXX / XXXX about suspicious activity on one of our employee 's cards. After looking into it, we discovered that this person 's card was used to run up over {$2700.00} in charges, while the employee was in a different city on a jobsite with the card in his possession. Only explanation is the card number was stolen by a skimmer on a gas pump. I was told to fill out a form to file the claim. I have conflicting emails from this company telling me how to file the complaint - some told me to fill a form out and email it, others told me to file online. I did both. Afte r 4-5 attem pts - I was finally able to get somebody to look into the claim. This was in late XXXX . I have many emails showing my repeated attempts to get someone to help me with this issue. All that they do is open a claim for you, email you the claim #, then close the claim without doing anything. I received an apology via email for their poor service. I was promised resolution by XXXX / XXXX / XXXX . I did not receive any further communication until XXXX / XXXX / XXXX at which time they denied the claim, stating that the disputed charges were not covered under our Terms & Conditions due to a " 10 card rule ''. They said this is one of the many reasons they provide us with " tools necessary to monitor your account on a real-time basis to identify unauthorized use proactively ''. However, I can not get anyone at the company to tell me how this card was used without the employee 's unique PIN number. The PIN numbers are supposed to be one of the " tools '' to prevent these incidents, and clearly this did not work. Also since I short paid our invoices by the fraudulent amount, they cut off all of our fleet cards without warning, leaving our drivers in bad positions because they could not purchase fuel when needed. This company has the worst customer service department and response time of any credit card company that I have ever worked with in my 25 years of experience.
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| 12/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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My Regions credit card and debit card ( along with several other credit cards ) were stolen on XX/XX/2019. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$1200.00} and {$2000.00} ( and {$300.00} from my Regions debit card ). I reported the cards stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank over their 800 number ( and to the local police department - XXXX Police Department case # XXXX ).
On XX/XX/2019 Regions charged me a late fee of {$27.00} and then on XX/XX/2019 I was charged a {$38.00} interest charge. When viewing my card balance online the card balance shows as {$0.00} with a minimum payment of {$0.00}. I keep a close eye on my accounts, especially after my wallet was stolen, so I had no reason to think there was anything wrong with the account. I have attached a print screen showing what I see when I view this account online.
This morning ( just after XXXX ) I spoke with XXXX at Regions credit card line and was told reporting the credit card stolen wasn't enough, I also needed to file a claim to not be responsible for these fraudulent charges. When reporting, the card stolen I absolutely confirmed those charges were fraudulent. XXXX informed me I am responsible for the interest charge, late fee, and balance of the fraudulent charges. I asked her to officially contest those charges, but she has informed me in the meantime I am still responsible for those charges. XXXX also informed me that it could take 30 days ( or more ) to resolve the issue. I tried calling before XXXX, but was disconnected after holding for 15-20 minutes ( this happened several times ).
I had to file a complaint with CFPB ( complaint ID # XXXX-XXXX ) to get the charge to my debit card reversed, which Regions did and I am grateful for this action. However once again as a matter of policy they do not limit user 's liabilities to {$50.00}, which is the law per the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know ( but every source I've seen says I'm right ).
In the next step I'm asked to identify the card number for the complaint, but I only have the replacement card number which I will provide.
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| 08/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I am writing in regards to several fraudulent purchases made on my Regions debit account on XXXX the XXXX, 2023. Regions contacted me via text at XXXXXX/XX/XXXX Thursday, XXXX the XXXX, 2023. I have made copies regarding the text and e-mails they sent me. They stated to visit the local branch on Friday morning, XXXX the XXXX, 2023. We were on the phone for approx. 1 hour and 20 minutes with a representative named XXXX XXXX. He verified my account and I identified him calling from XXXX Regions. The he claimed the fraudulent purchases from XXXX and XXXXXX/XX/XXXX were removed. However, he stated that he had to make another purchase on my account to set up fraud protection policy. He informed me to hit the yes key to make a purchase from XXXX! He stated he had to reset the fraud issue. On Friday I visited the Regions Bank at XXXX XX/XX/XXXXXX/XX/XXXX TX, XXXX. I spoke with XXXX XXXX for approx 40 minutes. I discussed this issue with her and she agreed that XXXX was a legitimate employee. She took all of the information and made a fraud claim and informed me not to worry, that i should get my funds within a week. She stated it was procedure to make another purchase to see if everything was working properly, the phone number was from XXXX Regions, and they need personal information over the telephone to verify my identification. I realize this, nevertheless it contradicts there policy of Regions employees not asking for ant personal info over the telephone. XXXX agreed the policy contradictory to the telephone conversations. On XXXX the XXXX, 2023 I called the XXXX XXXX XXXX. XXXX was informed the investigation department was not going to refund my funds for the fraudulent purchases at XXXX for a total amount of {$510.00}. I have NEVER purchased anything from XXXX XXXX 's in 65 years and I have not been to Florida in 4 years. These purchases were fraudulent and I can not believe Regions is blaming me for these purchases! There investigation should consist of but not limited to, e-mails, texts, recorded phone calls, and any video footage they may have. They have been extremely unprofessional and uncaring about the entire situation. Your cooperation is deeply appreciated and you are welcome to contact me anytime XXXX! My E-mail is XXXX XXXX
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| 09/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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- Problem with customer service
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Web |
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On XX/XX/XXXX I tried to cash a {$12000.00} settlement check at 3 Regions Bank in XXXX Florida. The first bank, located at XXXX XXXX XXXX XXXX XXXX, said they didn't have enough of moneyto cash the large check. The second bank, located at XXXX XXXX XXXX XXXX, discriminated against me by telling a lie about their check cashing policies. The teller told me he could not cash my check because I wasn't a member and so the bank could not put a hold on the check. I told him that I had just spoken with a someone before traveling all the way out there and that I believed he was discriminating against me because I was XXXX and had a large check. He said no the bank policy says they can't cash checks for non-members. I walked outside and called the Regions bank located at XXXX XXXX XXXX XXXX and was speaking with the same person while I was still at the XXXX location. He ( a manager I believe ) told me the bank called him and said they didn't have enough money to cash the check, but I told him the tellers just refused to cash it and that he may have spoken to the first bank I went to located at XXXX XXXX XXXX XXXX. I walked up to the teller again to get a clear understanding while I was on the phone with the manager, but this time two tellers said no it was against the banks policies. The manager I was speaking to on the phone heard them and told me he did not know why they said that and to come to his location and he would be able to cash the check if they could verify it. I started walking away from the tellers and told them that I will be filling a complaint. I ended up going to the Regions bank located at XXXX XXXX XXXX XXXX XXXX because that was the location I had spoken to the manager originally. That location said they wouldn't cash the check unless they could make a copy of my settlement letter which they had no business asking for because it was private. In the end I agreed and they copied my letter. Within 1 minute after copying my letter the teller said they couldn't cash my check because they couldn't verify it. I was confused at why they wanted a copy of my settlement letter first if they couldn't verify the check. This while ordeal was XXXX and I know the second bank discriminated against me so I'm filling this complaint.
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| 09/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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My husband passed away suddenly without a will and no named beneficiary of the {$940.00} on his bank account. However during his illness he called the Regions bank customer service with me on the telephone and stated that he authorized me to pay his bills from his bank account. The CSR asked for me to be put on the phone to give my name and social security number which I gave. He then said that it was on the Regions banks system. I paid some of the bills from the online account that I setup, but within three weeks my husband died. Now the bank has frozen the funds. I wrote letters to the branch and head quarters about having the funds sent to me to help pay for my husbands burial. I received a message online from the bank stating that I should go to the branch with my husbands account to personally to discuss the matter. I went to the branch where my husband had his account and I told the one of the branch employees why I was at there. From the start his manner was discourteous and dismissive. He never even offered the customary courtesy of condolence for a customer who banked there for several years. Instead he quickly pushed back the copies of the death certificate and letters I wrote to the bank with a smirk and told me that there was no record of the telephone conversation on the bank 's system. He also added that my husband should have put his authorization request in writing. I told him that the Regions CSR did not tell us to put the request in writing and of course my husband and I did not know that his death would be sudden. Again the bank employee ignored what I told him about my authorization to pay from funds in my husband 's account. At that point he left briefly and came back to the office where I was sitting and laughingly told me to go to probate court for authorization and then come back to the bank. The account in question has {$940.00}. I am on a fixed SS income with new debt to bury my husband. Plus, I can not afford to hire a probate attorney at {$500.00} - {$1000.00}. I believe this situation could have been avoided had the CSR conveyed to us that the bank needed to have the authorization request in writing. Therefore, the bank should not withhold the funds due to the error on the part of their employee.
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| 07/02/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home.
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| 04/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
Older American |
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I had work done on my house and got a 'Same As Cash ' loan of {$16000.00} from Enerbank on XX/XX/XXXX. The terms of the loan were that I would pay no interest if I repaid it in full before XX/XX/XXXX.
I arranged with my bank ( XXXX XXXX ) via 'Bill Pay ' for the loan to be repaid on XX/XX/XXXX.
My XXXX XXXX send the funds via paper check ( I was expecting an EFT transfer, which, in my experience, is normal for Bank to Bank transactions ).
On XX/XX/XXXX I received a letter from Enerbank stating that since I had not repaid my loan in full by the XX/XX/XXXX due date, I now owed the principal plus a year of 17.99 % interest ( {$2900.00} interest ).
I called Enerbank that same day and, after waiting on hold for 55 minutes, I was told that Enerbank had not received my payment. I was also told that Enerbank does not accept ACH payments.
I called XXXX XXXX where they confirmed that the payment had been sent, on time, but that it had not been cashed.
I attempted to call Enerbank again, but they were closed.
On XX/XX/XXXX I called XXXX XXXX and told them to cancel the payment. They agreed to send me a letter verifying that I had paid on time.
On XX/XX/XXXX I attempted to call Enerbank, but they were closed for the weekend.
On XX/XX/XXXX I attempted to pay via their payment website ( listed on the Enerbank statement as payments.enerbank.com, but their payment site would not accept the amount of the full loan, only {$330.00} monthly payment.
On XX/XX/XXXX I called Enerbank. I was on hold for 1 hour and 20 minutes. At first, they insisted that I needed to pay the principal plus {$2900.00} in interest. I told them about the 'Good Faith Letter ' from XXXX XXXX and finally a manager approved canceling the debt if I paid the principal plus interest from XX/XX/XXXX to XX/XX/XXXX of {$110.00}. With regards to their website not accepting my payment they said that their system had recently changed and perhaps I had the wrong website.
I paid, but I don't think that I should have had to pay the interest. I suspect that they deliberately make it difficult to make payments and make it difficult to contact the company and perhaps 'lose ' checks in order to force clients to pay their usurious interest rates.
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| 02/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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On XX/XX/2020 i recieved my first paycheck from my employer, a temporary staffing agency named XXXX, via the comdata paycard they gave me. I was a new employee. Advised by XXXX that I would need to fill out a new application etc. I had not been affiliated with them in many years. On my pay day I noticed that Comdata took {$8.00} from my wages. Per Comdata 's agents this money was taken from me because of a past due 6 years old debt that i didn't know existed that originated in XXXX. I am now in XXXX. Comdata had not notified me of any debt to my knowlege. I contacted comdata and the nightmare began. i spoke with several different agents to only be hung up on continously by XXXX agents while i was still speaking and one agent in particular, a supervisor by the name of XXXX, taunted me continuously by saying i should " Sue Comdata '', implying that would be the only way to have my stolen funds refunded. I was also given conflicting information about the alleged debt. On XX/XX/2020 I spoke with XXXX, an agent from Executive Support, who was immediately hostile, angry and rude with me. XXXX inferred i was lying and said that phone records show i was told the money would not be refunded. However i was never told the money would not be refunded during my calls and in fact, an agent from Support named 'XXXX ' stated a request had been made to the backoffice to refund the {$8.00}. After being accused of lying by Executive Response agent XXXX and after i had asked to be escalated higher and rebuffed by XXXX and told there was no one i could speak to higher than her - i requested to be given the name and address of Comdata 's registered agent - which by State law they are required to give - and XXXX did not provide this. Comdata has been deceptive in its dealings with me by lying in wait, for 6 years, to collect a debt i had no knowlege of in XX/XX/2020, without any notice and this violates Section 5 of the FTC, as well as numerous consumer protection laws through the state and Federal Government. I had a right to be notified of this debt before my finds seized and I had a right to contest the debt. XXXX lied in wait for me for years and seized my paycheck when the opportunity arose. Completely blindsiding me.
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| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Here is the itemized list of events that occurred.
My bank Regions- Branch XXXX XXXX # XXXX, item serial # XXXX, Item Trans Code # XXXX, State of TN XXXX XXXX XXXX ( Written Statement of Unauthorized /Improper ACH Debit Activity.
I have had 2 debit card replacements in a 30day period less than 2weeks apart due to fraud and unauthorized charges on my account. My bank is not protecting or securing my checking account!
The first debit card was closed XXXX XXXX and the other XXXX XXXX, XXXX. First fraud occurred XXXX XXXX, XXXX - {$72.00} from XXXX XXXX serial # XXXX. I disputed and my funds were refunded/corrected XXXX XXXX. The next fraud occurred XXXX XXXX, XXXX in the amount of {$10.00} from XXXX XXXX - serial # XXXX - disputed / unresolved.
Next fraud - XXXX XXXX XXXXXXXX - XXXX XXXX - {$100000.00} deposited into my checking account. Money was disputed and flagged. XXXX XXXX withdrew the {$100000.00} on XXXX XXXX, XXXX - time XXXX transaction type - Merchant. They also withdrew an additional {$350.00} of my money. I disputed - issue unresolved. I went to bank and have a Written Statement of Unauthorized Improper ACH Debit Activity on XXXX XXXX, XXXX. Issue is still unresolved! I have a police report created XXXX XXXX, XXXX - report # XXXX.
I went to the bank on XXXX XXXX XXXX and was told to come back on the next day the XXXX because no one was there to see me, three people were out. My account was exposed and unprotected. I am XXXX and on a fixed income and this put me in a dire financial situation. I have XXXX XXXXXXXX XXXX, and this is too stressful! This has to STOP! This is my 3rd time of going thru this. My account needs protection now! A bank statement was supplied to me and that was all I received from this bank! I want ALL my money refunded and my account secured from this point forward. The manager XXXX is who I saw on XX/XX/XXXX and she transferred my case to XXXX XXXX without any backstory on XXXX XXXX, XXXX. XXXX XXXX assisted with the Unathorized ACH after filing out wrong paperwork. This is unprofessional and shows no concern on XXXX for customers of the bank. I was there from XXXX - XXXX. with XXXX XXXX with no resolution and she said she would call me and never called.
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| 06/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I reached out to my current lender who is presently holding my mortgage, to explore options for refinancing with them. I initiated the first contact with them on XX/XX/XXXX. After several delays and standing me up on a couple of meetings, the loan officer finally connected with me on XX/XX/XXXX. He sounded pleasant and eager to get my business and got all my details ( including my personal details, income, assets, property details, ssn ). He ran a credit check on me and my wife. Then he offered me 3 options ( interest rate for a portfolio, Interest rate for selling to agencies, Interest rate for selling to agencies with no closing costs except appraisal ) with a interest rates ranging from 2.375 to 2.875 % on each of these options. He told me to apply online if i am interested to take this forward. I filled up the application with them online onXX/XX/XXXX. The loan number was created online and the interest rate in the system showed a different rate ( 2.75 % ) completely different from what we earlier spoke. I emailed them indicating this, and got a reply on XX/XX/XXXX, that i am eligible for the same rates and options that I was originally offered and there should be some system glitch. I responded to the email that I am choosing the portfolio loan ( 2.375 % ) and asked them to update their system and send me a loan estimate so that I can compare their offer with the other lenders and make a decision. They had not corrected the rate in their system nor given me a loan estimate till date ( its more than 5 business days since my application ).
I followed up with them over emails twice last week as well as I called the loan officer and left a VM on Friday and i have not get any return call yet.
I got an email from their processing team on Saturday XX/XX/XXXX asking me for documents and next steps for underwriting. I was baffled and told them that I have not even got the Loan estimate nor given them any confirmation to move forward. I requested them to cancel my application expressing my disappointment and explaining the situation. The processor acknowledged my email today XX/XX/XXXX copying the loan officer thanking me for the feedback. Till now I have not got any Loan Estimate from them.
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| 02/02/2017 |
Yes |
- Money transfers
- Domestic (US) money transfer
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Web |
Older American |
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I have banked with Regions bank several times in the past, most recently from XX/XX/XXXX to XX/XX/XXXX, a which time I had both checking and savings accounts, business checking and savings accounts and a personal line of credit of {$2500.00}. In XX/XX/XXXX payment on my line of credit was coming due and I transferred more than {$2400.00} from my checking account to make the payment. The next day I transferred a similar amount from the line of credit back into my checking account in order to pay other bills. Shortly thereafter I noticed that Regions had added the original payment amount ( made to my line of credit ) back into my checking account and debited my line of credit the same amount, while at the same time reversing the payment I had made to it. This increased my line of credit debt to twice its original amount. A series of penalty fees then charged to me on both my checking account an line of credit. Because I had a similar experience in early XX/XX/XXXX, where transactions recorded on my online accounts mysteriously disappeared from those accounts and I had not printed out the transaction results to verify them, this time in XX/XX/XXXX I did print out verification. I have tried to negotiate with Regions on multiple occasions without success. I asked them to simply remove the penalty fees from my accounts and I would pay off the total balance on my line of credit in XXXX or fewer months. They refused. I then threatened them with closing all my accounts and not paying the line of credit unless they removed the unfair fees and allowed me to payoff the true amount owed on my line of credit ( somewhat less than {$5000.00} ). Again they refused.
I researched complaints against Regions at that time in XX/XX/XXXX, and found the vast majority of those to be about all of the " unfair '' late fees, NSF and OD fees Regions levies on their customers. At this time, in my latest attempt to resolve the issue with Regions, I noted the consent order by the XXXX resulting in a {$7.00} XXXX fine against them, as well as a payout of over {$50.00} XXXX back to their customers. I explained to Regions that I would file this complaint if they were not ready to resolve the issue and again they refused.
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| 03/21/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer.
On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened.
I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it.
On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me.
In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.
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| 09/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX.
All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ).
Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.
Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.
While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.
For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card.
Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future.
Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.
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| 07/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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On XX/XX/XXXX two {$500.00} transactions were debited from my checking account without my authorization. I contacted Regions Bank for information regarding these transactions. I was told I could not file a dispute because the transactions had not yet posted to my account. My bank statement showed that these transactions were done through XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX. She was unable to refund my money. I received an Email from XXXX XXXX on XXXX from XXXX XXXX and he informed me that my case was being transferred to a specialists, I need to provide more information and that it could take 45 or more days to complete the investigation.
I completed 2 disputes with Regions bank In hopes of being refunded my money and was denied each time. According to the bank, the reason for denial is that the transaction verified with my card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. My debit card was never loss or stolen. My checking account/debit card information is linked to my XXXX XXXX. According to Regions Bank I sent the money to myself. Yet, I didnt receive {$1000.00} credit to my account. They also reported that the money was sent to my XXXX XXXX card. I dont have a XXXX XXXX card. I have requested copies of the documents used to make the determination and have yet to receive it.
I received a text message from XXXX XXXX informing me that my phone number had been delinked from my XXXX XXXX account. I did not authorize this. This was around the same time the unauthorized transactions were done. Also, I was using a Chase ATM around this time and I received a text message from Regions seeking to verify if I was actually the person requesting cash at the ATM. I did request cash for the ATM. I would make no sense for me to send {$1000.00} through XXXX XXXX to myself and withdraw cash from an ATM. I contacted XXXX XXXX and they were not able to verify the delinked account and I was instructed to create a new account. My cell phone or debit card was never out of my possession. I never requested my phone number to be delinked from my original XXXX XXXX account and I did not send {$1000.00} through XXXX XXXX.
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| 06/21/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an XXXX XXXX Account ( XXXX ) with {$500.00} to be used a deposit for a secured Regions XXXX XXXX credit card. I later filed XXXX XXXX ( Case XXXX ) and Regions WAS NOT listed because I didnt owe anything on the card and only creditors that money was owed to was listed on my petition filed by an attorney.
Regions learned of my bankruptcy filing through their own channels and closed my credit card at the end of XXXX. Thats understandable.
The problem is they wont release the money. A few transactions posted on the account ( I dont have access to the account but Id say less than {$100.00}, so they owe me the remaining {$400.00} ). Its been 3 months. After this happened, I was told by Regions Bankruptcy Department that theyd hold The remaining amount and possibly send it to the Bankruptcy Trustee. They havent.
I responded negatively to a survey sent by Regions explaining my disagreement with this. A lady named XXXX called me from Regions Escalations and told me she did some research and agreed that nothing was owed and to close the account out I needed to go to a branch and close it.
I went to the Regions in XXXX XXXX, Texas and asked XXXX to do such. She called Regions Card Services and was first told that the account is still open. Then they agreed it was closed. This is consistent with Regions each person has a different answer that contradicts the previous persons. XXXX submitted a request and the funds werent released. I called XXXX who was advised to send her request to another department. They responded to her that due to my bankruptcy filing ( which doesnt involve Regions, and I dont owe Regions on any other account ) that theyll hold this money until my XXXX XXXX is XXXX or dismissed, 5 years from now.
There are no cross collateralization clauses that would apply. I do not owe Regions or any of their subsidiaries anything on any other accounts. Regions isnt listed as a creditor. My bankruptcy payments are current via automatic payment.
This isnt right or fair and we need to come to a resolution of either releasing MY money to ME or send it to the trustee as a payment on my bankruptcy. Holding it for 5 years without a valid reason is not a solution.
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| 02/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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Thank you for trying to help me.
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( call or text ) XXXX has refused to refund a ticket charge for a XXXX playoff game that was canceled. I contacted Regions Bank, issuer of my Visa credit card, in XXXX when it became apparent that XXXX was not refunding the charge. It is impossible to communicate with XXXX other than by online chat. I have attached a copy of a chat with a XXXX agent who said I am due a refund. I provided this to Regions Bank Claims Resolution Center. Their most recent letter dated XXXX says Documentation provided by merchant shows you participated in transaction and/or received merchandise. I contacted the team, XXXX XXXX XXXX, and their XXXX XXXX insisted XXXX is responsible ... ... .....
XXXX XXXX Regions Visa XXXX XXXX XXXX XXXX ... ... posting date XX/XX/XXXX ... .. {$76.00} .....
Regions Credit Card Claim No. is XXXX ......
Regions Claims Resolution Center is ( XXXX ) XXXX ... ....
" XXXX '' XXXX To : " XXXX '' XXXX Cc : " XXXX '' XXXX Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX EST Subject : XXXX ......
Disputed transaction ....
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This {$76.00} transaction was posted on my Regions Visa on XX/XX/XXXX...
.
Chat text .....
Hi XXXX, We've replied to your XXXX XXXX request regarding order # XXXX. In addition to viewing this update within our online chat, a transcript of our conversation can also be found below. Your XXXX XXXX ticket is XXXX.
If you have additional questions, please reply directly from the chat. To return to your online orders to chat with us, please go to XXXX XXXX XXXX. You can also reply to this email ; however, your email reply will not be visible in our online chat.
System ( XXXX XXXX ) XX/XX/XXXX, XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX My name is XXXX, I apologize that you're having this kind of issue.
Ive confirmed that your upcoming event has been canceled. No action is required to obtain a refund ; we will issue a refund to the original method of payment used at time of purchase, which is usually completed within 30 days.
Please see our Purchase Policy at XXXX XXXX XXXX XXXX for more information.
If you have any other concerns, please reach out to this thread.
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| 09/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/2016 I lost my debt card issued by Regions Bank. I noticed the card missing on XXXX/XXXX/2016 and reported it lost via telephone. At around XXXX the banker over the phone shut down the debt card and took my current address and stated that a new card was going to be shipped to my new address. I also disputed some fraudulent charges that were made on the account. I also requested to be taken of the overdraft program and not to honor any charges if there 's no funds in the account. This was requested in order to prevent overdraft fee ( {$36.00} each ). On XXXX/XXXX/2016 I called regions bank and request a status on the new card and report that there is automatic payments that are hitting my account and causing the account to get overdraft charges. I explained to them that I was waiting for them to send the new card along with the results of the dispute. I then get XXXX different version of what happened to the card. The first was that the card was going to be mailed to my new address. The second is that they cant send me a card because I have to go into a branch and show them ID and proof of address, and the last that the card was issued to the old address and that it was canceled. I asked about all the overdraft charges and they said that they cant do anything about it, that my dispute was denied, that I have allowed other people use my card. So I am stuck with the theft and the over draft charges. I even ask them to stop payment on all accounts as I originally have requested but they said that they cant do that either. Every time I requested to speak to a supervisor something would happen to the line or it would ring for about 20 mins and then hang up. The last conversation was that a compliant was file with Regions, that the fees will remain, and that I have to go in to a branch. After almost two hours of my time, I got no where and now I have to take time from work and go in person and see if this can be resolved. I am very upset with Regions Bank, they lied to me, made me wait for a card for 15 days when in fact it was never shipped to the correct address and due to this error there is {$260.00} in overdraft fees. I really do n't think this is fair.
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| 02/13/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.
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| 10/28/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on my account.
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| 02/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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RIGHT OF RESCISSION AFFIDAVIT Affiddavit of Truth XXXX XXXX XXXX XXXX XXXX prosperity way XXXX XXXX AL XXXX Regions Bank D/B/A Regions Mortgage XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : Affidavit of Truth This Rescission notice is made Pursuant to U.S Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions : Furthermore, you Regions Bank D/B/A Regions Mortgage failed to clearly & conspicuously disclose my right to rescind.
I XXXX XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1605 the finance charge in connection with an consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law : You Regions Bank D/B/A Regions Mortgage also accepted a CASH down payment of {$5800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to 5000.00 for giving false, inaccurate information and fails to provide information which he is required to disclose and in this case you Regions Bank D/B/A Regions Mortgage willfully did when you failed to disclose and provide all information clearly to me as a consumer. ; Notice that Pursuant to 15 U.S.C 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.
Take futher notice that 20 days after you receipt of this notice you have to return any money or property given an also terminate and reflect that termination of the security interest placed on the property which in the case is a property located at XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S.C 1640 This Affidavit of Truth is dated the XXXX Day of XXXX in the year XXXX XXXX XXXX XXXX [ Agent/ Beneficiary ] Without Prejudice, All Natural Inalieable Rights Reserved SEAL
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| 01/08/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I had been quoting with local companies for a sign to go on top of my new art studio. I found one company that seemed reasonable on XXXX. I reached out to them and was quoted a certain amount. I confirmed with the company that the price included the proper permitting required by XXXX County, Fl. I then went into the bank and requested a {$1000.00} cashiers check to XXXX XXXX XXXX, XXXX XXXX which would have been half of the total cost. I have an account with XXXX XXXX XXXX. I walked into the bank on or around XX/XX/XXXX and requested a cashiers check, the funds were withdrawn with a teller and the check was drawn from my connected business checking account. I requested this because I wanted the payment to the company to come from XXXX XXXX XXXX which is my business account, but that is neither here nor there. I then drove over to my studio and met with the associate from XXXX XXXX XXXX, XXXX. His name was XXXX XXXX. Upon further speaking with him, he was trying to convince me that I did not need a permit and I declined to do business with him. I placed the check and the quote along with some other documents in my vehicle and thought nothing else about it until it became missing. I contacted my bank to report the check missing and then upon XXXX XXXX XXXX 's investigation, the same man deposited the check in his account at Regions bank. I immediately filed a claim with XXXX XXXX XXXX to retrieve my funds. The claim number is XXXX. Upon further investigation by me, I contacted the actual owner of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that they are aware of who this man is, that he does not even work for XXXX XXXX XXXX, XXXX, he is a thief and many customers have been calling and there are active suits regarding this man impersonating this company and I was not the first person that he stole from. He also that his attorneys are aware and also fighting to stop this mans activities. I have been being told by XXXX XXXX XXXX that they have sent several request to Regions bank to retrieve the funds and have been awaiting with no response. I am filing this case with hopes that you can look into this situation and find a resolve.
Kindest regards
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| 09/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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|
Web |
Older American, Servicemember |
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I have a checkjng account with Debit Card through Regions Bank, XXXX, Alabama. On XXXX XXXX, XXXX the ending balance on my account was {$210.00}. The next business day after that date was Tuesday, XXXX XXXX, XXXX. Over that weekend there were twelve charges for purchases and one cash withdrawal a total of {$200.00}, leaving an available balance of {$14.00}. According to my statement, the last and final charge to my account that day was a {$210.00} fee for six ( 6 ) insufficient funds charges.
On XXXX XXXX, there were charges made to the account a purchase of {$32.00}, a locksmith charge of {$120.00} and a fee for two ( 2 ) overdraft charges of {$72.00}.
I do not question the final charge for the two overdraft charge fee but do question the charge made against my account on XXXX XXXX, for the six overdraft fees ( {$210.00} ). I was told by the branch manager of Regions Bank, XXXX, Alabama that the overdraft for which these charges were made actually occurred because of the two charges which were processed by the bank on XXXX XXXX, XXXX.
I realize that this does not involve a lot of money but I believe the charge made to my account for the six overdraft charges came only from an unreasonable, unfair and self-serving interpretation of its fee policy by Regions. In effect I am being charged for overdraft that never existed. At the close of business on XXXX XXXX, XXXX, there should have been a balance of {$14.00} in my account and would have been that if not for the {$210.00} charge for the overdrafts that had not occurred, I would also like to also like to refer your attention refer your attention to the Online Banking statement from Regions. Please refer your attention to the account Summary section at the top of the statement which shows the Posted Balance, an itemization of all pending charges and then what is shown as " Available Balance ''. I was told by the Branch Manager that Available Balance did not mean what it says, that it could be affected by charges which had been received but not yet processed by the bank The two ( 2 ) charges made to the account on XXXX XXXX, apparently created the overdrafts which were charged on XXXX XXXX.
.
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| 01/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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My checking account with Regions Bank was in good standing. I am in the process of tryings to increase my credit score so, decided to set up my XXXX XXXX Credit Card and my XXXX XXXX XXXX with Bill Payment through Regions Bank. My payment for both cards is due by the XXXX of the month before XXXX XXXX. I set up the bill payment to post on the third day of the month XXXX XXXX XXXX ) because that is when I have the money in my checking account. I thought all was well until I checked my checking account balance on the XXXX of XXXX. Regions Bank had tried to take the XXXX XXXX payment of {$30.00} out of my account two times on XX/XX/XXXX. Then they tried to take the money out for XXXX XXXX again on XX/XX/XXXX. This over drew my checking account a third time. If that wasn't enough, they tried to take the money out of my checking account again for my XXXX XXXX on XXXX XXXX. Let me remind you that my Bill Payments were set up be paid to my creditors on XX/XX/2021. These were all unauthorized withdrawals from my checking account. By the time they got finish charging me for unauthorized overdraft fees, I owed {$160.00} in overdraft fees. I called the bank on the next day XXXX XXXX XXXX ) and explained to them that they made a mistake and messed up my checking account. I told them they were charging me for overdraft fees that were not my fault. I then went into great detail explaining the mishap. They informed me that because I had previously disputed an overdraft charge in the past, they could only eliminate 50 % of the fees. I explained to them that the error was % 100 their mistake, not mine. I did not do anything to cause the problem and I want them to fix my account back to the way it was before they messed it up. They reversed {$72.00} of it and left me to pay {$89.00} of a bill that they made. They were suppose to take the money out of my account to pay the credit card bills on XX/XX/2021 ( 3 days later ). There was no money in the account on XX/XX/XXXX and XXXX, but the account was not overdrawn.. They overdrew my account and basically told me " too bad for you, we are not paying it. '' They stole {$89.00} from me. I want them to pay it back.
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| 12/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Older American, Servicemember |
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Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX.
At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself.
The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX.
I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint.
For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits.
.
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| 05/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/2019, was the first email receive to confirm email at Regions Bank from XXXX XXXX XXXX XXXX Originator NMLS # XXXX.
On XX/XX/2019 I requested a letter of pre-approval from the lender at Regional Bank in order to start looking for a home.
On XXXX the XXXX 2019, We Receive a letter of pre-approval stating that it was for a conventional load. ( attach letter ) On XX/XX/2019, we were under contract with XXXX XXXX XXXX as your Title Insurance providing us with quality title and escrow services.Effective Date : XX/XX/2019 Survey Due : within 10 days - Expires XX/XX/2019 Option Period Runs : 10 days - Expires XX/XX/2019 @ XXXX XXXX title Commitment Due : within 20 days - Expires XX/XX/2019 Financing Addendum Runs:15 days Expires XX/XX/2019 Closing Date : XX/XX/2019 ( attach paper receipted ) XX/XX/2019, Title Commitment to Buyer ( attach receipted ) XX/XX/2019 email send about Regions Portal to access load application.
XX/XX/2019 email was send to Lender about the status of the loan. as well the appraisal for the listing agent.
XX/XX/2019 Loan Application ( Signed Documents Received ) XX/XX/2019 Document for the warranties for home were received.
XX/XX/2019 email letting us know we need it to change loan programs.
At this point we felt that the lender XXXX XXXX XXXX Mortgage Production Manager NMLS XXXX, didn't want to help us or give us options of what was happening and why it took this long to change loads, We felt mislead and deceived.
We talk to the real state agent XXXX XXXX XXXX XXXX XXXX to see what were our options and she recommend to go to a new lender.
XX/XX/2019 Mr. XXXX send us an email requiring more information to be send to the underwriter.
XX/XX/2019 we send everything to the regions bank lender to be send to the underwriter. Plus new contact for the earnest money to be release and prepare a new contract on FHA loan terms.
XX/XX/2019 at XXXX XXXX via text lender send us a text that our file was withdraw due to us getting a second opinion with another lender.
XX/XX/XXXX XXXX email was receive stating with a letter of declination that will be mailed via USPS to the addresses of record on the loan application.
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| 09/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my XXXX account to my Regions Bank checking account, upon checking my bank account the funds never appeared! I contacted Regions bank immediately and I learned that this particular account had been closed due to inactivity as I was unaware and Regions Bank never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to XXXX I waited for about 72 hours before contacting XXXX as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with XXXX money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and XXXX got back with me and according to their investigation Regions Bank had received funds, I contacted Regions once again made them aware of what XXXX had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and XXXX so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as XXXX had not received funds back and XXXX told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with Regions and XXXX and still had zero answers as to where money was! I have physically visited a Regions Bank branch to get a resolution to the problem and got pretty much the same answers as on the phone! XXXX also told me they had exhausted all options as they did a total of XXXX additional traces of the funds and continued to say Regions bank had accepted the money! It is now XX/XX/XXXX at the time of this writing and still have no answers nor my money that is rightfully owed to me by one of these corporations!
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| 01/25/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXX, I logged onto my Regions mobile banking app and found that Regions had removed {$3300.00} from my family 's general savings account and {$3400.00} from a savings account my wife and I opened for our son when he was born in XXXX. When I contacted Regions bank that night and then again the next day, Regions told me that someone had gone into two of their branches in Texas on XX/XX/XXXX, presented two private party checks payable to " XXXX XXXX '' ( my name ) in those amounts ( drawn on an account I don't recognize out of NY ), and been permitted to cash both of those checks because the Regions teller saw that I had enough money in savings to cover these two checks. The forger had written my SSN correctly on one check and incorrectly on the other check, and the signatures do not match my own.
In any event, Regions accepted the checks in what I'd imagine was a hilariously clear violation of their own policies re : accepting checks considering the large amounts, non-matching signatures, incorrect SSN information, and me not having set foot in Texas in more than two decades.
When Regions learned on XX/XX/XXXX that the obviously forged checks were in fact forged and that the bank had taken a loss of {$6700.00} as a result of not following their own policies, they removed that amount from my savings account with no prior notice to make the bank whole. In a pandemic, no less.
I filed a police report, followed up with credit bureaus, and submitted all of the proper paperwork with Regions. Regions told me they had 10 business days to make a determination and credit my account. When I went in today ( day 10 ), the bank told me they actually had 30 days to figure out what happened and maybe give back the money they took from my account to " fix '' their mistake, at least as far as Regions ' bottom line is concerned.
I've read the deposit agreement and can't find any provision that would allow Regions to accept a couple of ( patently suspicious ) forged checks in some lawless southern hellscape a thousand miles from here and then make themselves whole by pilfering my XXXX XXXX XXXX 's savings account. But you do you, Regions.
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| 11/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I applied for an online loan with XXXX XXXX. The same day I was told I was approved and that my funds would be deposited into my checking account. Around 2 days later I was able to see my deposit but for some reason I was unable to have access to my funds. Since it was the weekend and Monday was a holiday I wasnt able to speak with someone at the bank until Tuesday. In between that time I was in constant communication with who I thought was an employee at XXXX XXXX. The woman from XXXX assured me that the reason I couldnt touch the funds was due to the bank putting a hold on it. By the time Tuesday came around I was overdrawn about {$1900.00}, I immediately contacted Regions ( XXXX, AL ) as well as their fraud department. They were supposed to put a freeze on my account and any other payments trying to be processed and told me that I was in fact scammed. I called my contact at XXXX and the number was disconnected. I go to my bank Wednesday because not only did I need to speak with someone regarding my account but they never put a freeze on my account and the scammers were able to withdraw another large amount of money on Wednesday. My total amount that I was scammed for was {$3900.00}. Not only did I not have those funds to begin with but the bank also told me that there was nothing they could do because I willing gave them my information even though it was a scam. I am on fixed income, Ive had to close my account and now Regions bank is telling me that they will keep my fixed income check that was supposed to be deposited into my account to make up for what the scammers got. I am outraged and in disbelief that Regions has not only kicked me while I was down but added insult to injury. I have been a member of Regions bank for over a decade and would have never imagined such treatment since I have always thought highly of this institution. I have no other means of income and they actually expect me to be without income for a month. I dont believe I should be held responsible for this I wasnt aware that I was being mislead. I have contacted an attorney regarding this matter and will be filing a police report as well.
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| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX the XXXX of 2022 my online banking was hacked and all my accounts drained. My bookkeeper and I noticed something strange while signed into Regions Bank On-line ; money was moving back and forth between accounts. When we attempted to stop this activity, we were signed out and unable to access the accounts again. We went to our local branch XXXX blocks away and sat down with our branch associate, XXXX. She pulled up our accounts and was seeing the same thing. All of our money was being transferred to the business account. She immediately got on the phone to contact any department that may be able to stop, explain, or halt what was happening. Every department she spoke with stated that it wasn't them, including the wire transfer department. My bookkeeper and I literally sat there watching the desktop computer screen with the Branch Representatives as all the monies in my account wire transferred away to an unknown source.
The branch manager assured me that I had nothing to worry about and that everything that was taken would be replaced within a few days. So, we opened new personal and business accounts. We closed all my other accounts save XXXX, in order to keep a connection with the incident.
After several weeks of back and forth with the Branch Manager, I was told that Regions Investigators had found the account the monies had been wired to and that the Bank of the account had been notified. He told me that Regions was legally allowed 90 days from the point of the other bank 's notice confirmation to get the monies returned. After that 90 day process, he said I would receive my money. As of today, 108 days, I have not reimbursed what was stolen, nor given an explanation as to how it happened. I call my branch everyday for updates ; I am told they don't know what is happening nor when this issue will be resolved. I have spent days on the phone trying to contact anyone at Regions Bank, other than my branch reps, trying to find anyone who and shed light on the issue, but always end up repeating myself to customer service representatives with no answers or authority to escalate the call to anyone who might help.
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| 08/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Someone claiming to be from REGIONS BANK text me saying there was a fraud against my account and asked if I had spent {$63.00} at XXXX I text no it wasnt shortly afterwards they called me and I spoke with a man for over an hour and a half trying to get this fixed he claimed he was from REGIONS. He asked me all sorts of questions. He wanted my regions online banking pass word and me assuming it was REGIONS I gave it to him. He also asked for my husbands Social Security number, and my husband gave it to him and told me on several occasions to push. Yes on these amounts that did not look correct to me he said it would correct my account and my account would not be accessible for XXXX hours after we hung up for some reason that did not sit well with me and I checked it the next morning this all happened XXXX XX/XX/23 next morningXXXX I checked my bank account and there was {$220.00} and there was {$4400.00} taking out of my savings account plus another {$4000.00} out of my savings account we went to the bank as soon as they open at XXXX oclock. I had the lady to change our password, give us new debit cards and I have checked our checking account for the last XXXX weeks to make sure that nothing else has been taking out. We filed a Fraud alert against our account on all three of these went to the sheriffs department and made a claim still have not heard from the sheriffs department. We went to the Social Security office and put a block on my husbands Social Security number, so they dont try to take his Social Security check, the bank has informed us that they are not going to pay us back which I think is a XXXX XXXX XXXXXXXX because it was not our fault. I thought we were talking with REGIONS I have sent them a letter with all the information that I have this person took the money from XXXX Missouri, the phone number that they text and called from is XXXX. I also told REGIONS if they did not satisfy me in a timely manner that I would have to get an attorney because I dont work for a living to pay XXXX to rip me off. Is there anyway you can help me with our situation? Thank you. XXXX and XXXX XXXX my number is XXXX
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| 03/30/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2020 I canceled a subscription with XXXX for a recurring gold 6 month subscription for {$69.00}. I noticed where my checking account with Regions had been debited for {$69.00} on XX/XX/2020. I reached out to the merchant the morning of XX/XX/XXXX approximately XXXX ( company website stated it was open 24 hrs/ 7 days a week, however company is not ) and spoke to XXXX and asked why my account was debited when the subscription was canceled on XX/XX/2020. XXXX stated that the subscription was canceled on XX/XX/XXXX @ XXXX, Canceled by the company XX/XX/XXXX @ XXXX, and Renewed on XX/XX/XXXX @ XXXX. I explained to XXXX that I had not renewed this account. I asked to speak to a manager, and spoke with XXXX who stated the billing dept will contact me within 24-48hrs, which they never did. I contacted my bank Regions on XX/XX/2020 to dispute the transaction. The bank policy is the transaction can not be disputed until it actually post to my account, which it actually posted on the XX/XX/XXXX. I was given a claim # and proceeded to wait for my back to contact me. On Friday XX/XX/2020 I made a appointment to meet with someone from the bank to discuss my account and I was told I could be assisted without coming into the branch by phone. I do not have the name of the person I spoke with, but I provided them with the information above and was told this information would be added to my claim. On today I made a appointment again to meet with a branch representative to discuss my claim again only to be told my claim had been denied because there was no proof of cancellation. I told the pweson I spoke with that I did not have a confirmation number, but did have a screenshot from my phone stating the transaction had been cancelled. She provided me with a email address and stated she would submit the information and request the case be back open. At this point I am very disappointed with the level of customer service I have received from Regions. Even after contacting the merchant and contacting my bank for assistance I am still out of {$69.00}. I am not satisfied and want assistance with resolving this issue asap.
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| 04/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.
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| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/19 XXXX XXXX charged two unauthorized debit card transaction ( {$370.00} & {$200.00} ) to my Regions debit card. On XX/XX/19, approximately XXXX XXXX CST, I contacted Regions bank to advise that these transactions were not authorized and I was disputing them. I explained to the rep the reason I was disputing these transactions and she filed a dispute for the charges. I was told that it would take 7-10 business days for them to process it. I never received a letter in the mail so I contacted Regions again on XX/XX/19. I spoke with a female rep that advised me that my dispute/claim had been denied and I would receive a letter in the mail. I requested to speak with a supervisor. The supervisor stated that I would have to wait on the letter explaining what I should do to appeal the denial. I requested for a email address or a number to contact someone in the debit card dispute department and he provided me with an email address XXXX. To date, no one ever responded to that email that was emailed on XX/XX/19. On XX/XX/19 I went into a local branch and spoke with XXXX XXXX. I advised that I had not received a letter regarding my denial. She stated they normally do not send out letters. I advised her that I was told by the supervisor I spoke with on XX/XX/19 that I would receive one. She reviewed my dispute and stated that it appeared as if the rep filed it as fraud instead of a debit card transaction dispute. She submitted a ticket to have my claim reopened and she stated that it would take 5 more business days. I have now been told that they will not be able to credit back my account because I owe the company that took the funds from my account. I advised that XXXX XXXX did not have authorization and I have been going back and forth since this issue occurred. I do not have anything in writing as I have been speaking verbally with them each time that I have contacted them. The last rep I spoke with at XXXX was XXXX and I explained to her that XXXX took the payments without my authorization. I have withdrawn all authorizations to XXXX XXXX and the do not have permission to access my account.
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| 05/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I have a vehicle fleet card program with FleetCor. They have made it very difficult to pay on time, which triggered numerous fees which have been extremely difficult to remove. In XXXX XXXX customers were unable to access their bills online, supposedly due to a computer upgrade. As FleetCor stopped sending bills, customers had no access to bills. Because bills were not paid, FleetCor started charging Fees, such as " High Risk '' Fees, " Late Fees '' -- and what I consider usery interest rates, Even Though FleetCor was at fault for not providing bills. These fees continued to accumulate and reached in excess of {$1000.00} by the end of XXXX . While my fuel bill was approximately {$1700.00} per month, for a total of approximately {$5000.00}. I was patient at first because I received messages from FleetCor not to worry that they provide credits for late fees. BUT no credits arrived. I Called in XXXX . I was on hold for over an HOUR -- Yes over an hour. I finally got a hold of a person in a call center who spoke poor English who had to then reach a supervisor to apply the proper credit to my account. Guess what, the following month, Not all the credits applied, But all the additional fees kept piling on. So I called in XXXX , and the call center answered and were unwilling to apply any credits. I was furious. I told the person that I wanted to cancel my account. That triggered my call to go to a " customer advocate ''. So, it was not until I threatened to cancel my account that I received someone willing to help me get credit for all the Late Fees that piled on. She was extremely gracious, removed all the late fees and even allowed me to pay my gas bill on the spot. I then cancelled my account with FleetCor feeling their deceptive practices does not deserve my business and went to XXXX , their competitor. I find FleetCor 's tactics fraudulent, doing whatever they can to accumulate late fees. I had trouble with them in the past, where checks that were sent ten days in advance were not posted into their account until after the due date, triggering late fees.
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| 01/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Overview -- -- I'm making this complaint due to Regions Mortgage attempting to force my online payments into being late. This has happened more than a few times, especially when the payment dates fall on XXXX. I have contacted the company over this in the past and they tried to claim I did not schedule the payment " within the stated time requirements '' and here we are again. Obviously they have still not corrected the problem, as today I HAVE again met their time requirement for the payment to be posted on XX/XX/XXXX. -- -- - XXXX ( XX/XX/XXXX ), I logged onto the Regions Mortgage website at about XXXX XXXX XXXXXXXX to schedule a payment that is due by XX/XX/XXXX to be considered " on time '' -which MUST ALSO be scheduled before XXXX. XXXX ( see below ) However when I attempted to select the payment date or date for automatic withdrawal from my bank account, I could not select today nor any date before XX/XX/XXXX, well after the " on time '' due date. -- -- - This is in direct conflict with the statement on the bottom of the Regions payment webpage that reads : " All requested transactions ( i.e. payments and cancellations of payments ) must be submitted by XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXo be effective for such day. '' I have attached a screenshot of my payment showing this information along with the receipt showing the transaction information. -- -- - The last time I checked, XXXXXXXX XXXX XXXX, is well before XXXX XXXX XXXX it is XXXX, and therefore the payment date of XX/XX/XXXX should have been available for selection according to their requirement. -- -- -- I have had many problems with Regions over the years including my refinancing in XXXX, where the Bank Loan Officer kept calling my employer on a weekly basis for 6 weeks to re-verify my employment. Very embarrassing and bordering on harassment, I complained to her regional supervisor and he made her stop waiting to close the loan. After that I will NOT allow any issue to go unreported, especially one that could cost me a late fee and a late mark on my credit report. I have not had any late payments in over 4 years. -- ---
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| 11/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Today is XX/XX/2022. On Saturday, XX/XX/2022, I walked inside Regions bank and deposited a check from a settlement I received. The check amount was XXXX. I asked the bank teller specific details regarding the availability and processing of my check funds. The banker printed out a Notice of Hold form that indicated a hold would be placed on my check deposit because it exceeded {$5500.00}. Additionally, the form contained the exact dates and amounts of the check disbursement. The form indicated that on XX/XX/2022, a hold would be released from a portion of the funds in the amount of {$5300.00}. It also indicated that on XX/XX/2022, the hold on the remaining balance would expire. Based on this information, I set up bills/checks to be paid against the {$5300.00} that was supposed to be available today ( XX/XX/2022 ).
This morning after checking my account I discovered that the {$5300.00} was not deposited as promised. I went to the bank to get a resolution. I spoke with the branch manager who inquired where the check came from. I answered his questions and showed legal documents regarding my settlement. He proceeded to inform me there was nothing else he could do to release the {$5300.00}. When I asked for the reason, he said he didnt know because it was being handled by the back office. When I asked him for the back-office contact information, he said he was the last chain of command I could speak to regarding the matter. I informed him that the misinformation I received regarding the time of disbursement was creating a stressful financial situation for me. He callously showed no regard for my concerns. There was no accountability for why I was given incorrect information about the date my funds would be made available. There was zero explanation as to why my {$5300.00} is not being released in accordance with the Notice of Hold form. I have been a loyal customer to regions bank for over five years. I have never had issues with check bouncing or anything like that. I feel I am being mistreated with unfair and unsavory banking practices. I am considering switching banks after this catastrophe.
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| 03/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
Servicemember |
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My checking accounts were accessed online on XX/XX/XXXX. Three transactions were created using the XXXX app. A total of {$4000.00} was stolen from both accounts. On XX/XX/XXXX -I noticed my cell phone wasn't working. I could not make any phone calls only send and receive text messages. After getting my phone restored, I went to my online banking to pay bills and was unable to access my account. My password had been changed and security question had been placed on my account, which was : Who was your first crush? So I called Regions Bank XXXX # automated service to check my balance and discovered I only had {$47.00} in my account. I immediatley called back to speak with a live person to report the fraud. The teller restored my account by verifying other information. Thats when she told me two transactions had already cleared. One for {$100.00} and the other for {$1900.00}. She also told me there was another one pending for {$2000.00} from my other checking account. She transferred me to the fraud department, which I was on hold over 40 minutes. Then a female answered, took my information, put me on hold, then hung up on me. I called back to the fraud department, held another 40 minutes or so, a man named XXXX came on, took my information and recommended I go to my bank and file a report with the branch manager. The next day, Saturday, XX/XX/XXXX. I met with XXXX XXXX Branch Manager, Vice President, XXXX XXXX Branch XXXX He took my information and recommend I file a police report. On my way home from the bank I called the XXXX XXXX Sheriffs Office, they sent two officers out to my home. I gave them my statement, and filed the report, case # XXXX. They turned my case over to Detective XXXX. Det. XXXX called me and said the phone number that was linked to the recipient of the XXXX account was used 4 or more times and was unlikely to be caught. He would have to turn this case over. My complaint is my bank, REGIONS BANK and XXXX has refused to restore the {$4000.00} that was taken from my account. I did not authorize XXXX to withdraw any money from my account and I want to be reimbursed.
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| 11/11/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ).
I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day.
After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter.
This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported.
I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide.
Sincerely, XXXX XXXX XXXX
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| 03/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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On XX/XX/2022, between the hours of XXXX and XXXX, my vehicle was broken into and my work bag was stolen. XXXXnside was my wallet containing all of my personal identification including my social security card, drivers license, bank debit card and other personal cards/documents. On finding the break in we immediately cancelled the debit card and reported it stolen and filed a police report. Despite this, the following day while we were in the middle of fixing our broken window ( we do have documentation to prove this ), at XXXX at a branch in XXXX XXXX TN, my drivers license and debit card were used to access our Regions Bank account and {$650.00} was taken by someone using my identity. We found this out when the transaction popped into the account the following day and we couldn't pay our rent or cell phone bill. The same day my husband reported the illegal transaction to the bank via the customer service help line and followed up with the local branch manager the following day.
According to bank policy stated on their terms and conditions, they have 10 days to investigate before they need to put the " temporary '' funds into the account while they finish the investigation. Despite numerous attempts on my part, my husband 's part, the local branch manager 's part, and even the detective and security personnel involved questioning this, no further information has been provided by the bank nor have they returned the funds, even temporarily. The detective assigned to the case was able to get still photographs of the transaction through the drive through at the bank and it clearly shows a vehicle not belonging to us, registered to a woman in XXXX, TN, driven by what appears to be an older male gentleman who used my stolen identity to access my account. Nobody involved can figure out why the bank is refusing to give us answers and give us our money back. We are on business day 15 since the theft without resolution and this is causing a severe financial hardship for my husband and I.
I am attaching the preliminary police report below and the fraud claim number from the bank is XXXX.
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| 08/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I currently work for an XXXX. Months ago my card was hacked and it took almost two months for regions to rectify the situation. They sent me letters that miscalculated the costs which led me to believe they had not returned all the funds. In fact they had but their " specialist '' did not do his math calculation correctly.
Thats right, an employee of a bank did n't add correctly. It gets worse.
Now, as they send me a new card they stated in their letter that the pin of the card would stay the same. That did not happen. I tried to access my account with the new ATM card and it was denied. I call them up from XXXX and when I get to a person on the phone, probably a call center, the person on the phone informs me that XXXX has been " blacklisted '' by the United States government. He said that mean while I was living and working in XXXX I would never be able to access the card. I had to leave XXXX for it work. I was shocked because friends who work at the US Embassy and other friends had not heard of this.
Why have they not heard of it? Because it was n't true!!
The man straight lied or got misinformed by someone else saying the USG blacklisted XXXX. I called them back after checking the news to make sure I this man was inaccurate in saying that. I request a supervisor this time, someone who works at Regions directly, perhaps the previous man did not. I explain to her the situation and inform her of past information given to me. She apologizes and informs me I have to wait 5-7 business days for a letter that has my new pin # in it.
So my complaint is based on important facts. Regions employees did not add the math correctly in the XXXX 2017 falsified transactions. Additionally, when it came time for me to access the card and my pin was rejected the person I contacted told me XXXX was " blacklisted '' by the United States government. That is a total and complete lie given to me about not accessing my money in Regions bank and it was the spread of misinformation which is not only complaint worthy, it is also worthy of legal proceedings against Regional Financial Corporation.
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| 09/16/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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XXXX XXXX My husband XXXX deposited was depositing {$1900.00} into the drive through the ATM into our joint account around XXXX XXXX. {$1000.00} was put into when the ATM glitched and shut down and restarted. Once restored the ATM did not print a receipt, return the money, or post the money to the account. He then went to the walk up ATM at the same location and deposited the remaining {$840.00} that did post to the account. He left came home and got me and we returned to the bank which was closed so we checked the ATM to see if there was a service number and there was not. XX/XX/XXXX XXXX went to the bank to file a claim and was told I would have to file the claim as the card he used to make the deposit was in my name. XX/XX/XXXX| filed a claim via telephone. The {$1000.00} was put into the account a few days later. Then XX/XX/XXXX {$1000.00} was removed from my account and when I inquired as to why I was told that the investigation concluded that only {$20.00} was deposited in the ATM which is absurd. I then reached out to the XXXX XXXX XXXX via email to explain the issue and was redirected to the investigation department in which XXXX XXXX responded. The claim was reopened and again denied. On XX/XX/XXXX I spoke with XXXX XXXX Regions Branch Manager and she was unclear that it was my husband that made the deposit and not myself. After clarifying this information she relied the information to the fraud department.
XX/XX/XXXX I spoke to XXXX XXXX for an update on the status of the claim and she had no update and stated that only {$20.00} was deposited. She told me they saw my husband come to the ATM and deposit money then go to the walk ATM and deposit the {$840.00} and they could see where he left and came back to the drive through which is when we were looking for a service number. I asked if I could see the video tape and was told I would need an attorney. I am sure the Video would show that more than {$20.00} was put into the machine and prove that more than {$20.00} is owed to us. I have been banking with regions for 12 years now and never had an issue of this sort.
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| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Marital Home was foreclosed on in XX/XX/XXXX, and the time of the foreclosure my now ex husband and I were in the process of divorce. In XX/XX/XXXX, the ex was given the marital home with order to pay all financial responsibilities on the home.
Despite calling XXXX XXXX to update my address, I was never provided with any information regarding when the loan was defaulted on, remedies which were being discussed between my ex and XXXX XXXX, any updated information about the foreclosure or any information what took place during this process or how to find out about anything on the loan for which I was responsible. Furthermore, I later discovered the ex withdrew my name off of the Homeowners Insurance policy prior to the divorce and added his son on the policy with XXXX XXXX. I also later learned that XXXX XXXX paid my ex a sizeable amount to vacate the premises and give up the keys to the home in return for his Right of Redemption. However, none of this information was ever discussed with me and I only found out the Home was actually foreclosed on in a subsequent divorce hearing in XXXX County Family Court.
In addition, Ive had to answer in court process to XXXX XXXX for the HELOC Loan which was also secured by this Home. XXXX XXXX has had zero problems in reaching me by phone and mail, which it has sent documents regarding this lawsuit against me, which is currently in ongoing lawsuit. However, Ive yet to receive any information again regarding the information described above in 1st lien for this debt.
The ex had the financial ability to pay both of these debts, however simply choose not to pay to ruin my credit, make sure I received no equity or the possibility of securing the home later. XXXX XXXX also changed both monthly bills addresses for the 1st lien and the HELOC lien to my exs company address, which was conveniently hidden from me. While I understand Regions Mortgage can not be held responsible for my exs lack of communication, I am appalled something like this is allowed to happen without any consideration of my input when I too was responsible for the Note.
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| 04/13/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I am an XXXX driver and had a skimmer device steal my XXXX Fuel Card information, resulting in 3 fraudulent charges. After almost 3 months, XXXX still refuses to investigate the disputed charges or credit me for them.
When I got gas at a station on XX/XX/2017, it said my XXXX Fuel card transaction was declined, so I had to put it on my own visa card. The station was XXXX, CA. XXXX. However, the XXXX charge later did in fact go through to my account in the amount of {$51.00}. Then on XX/XX/2017 two more bogus charges appeared on my XXXX gas card in the amounts of {$47.00}, and {$140.00} for stations I never went to. Also a third bogus charge appeared on my personal visa card in the amount of {$95.00}. A fill up only costs me about {$50.00}. I suspect that a card skimmer device stole my information on both cards.
I reported the {$95.00} fraudulent charge to XXXX who immediately reversed the charge, blocked the card, and issued a new one. I also reported the other two fraudulent charges to XXXX 's card processor, Regions Bank, via phone, who said they could not do anything and all fuel card matters must be handled directly by XXXX. So I reported it in the XXXX on XX/XX/2017 and received a message about 24 hours later saying an investigation would be concluded within 5 days. After 6 days I contacted them and was then advised of technical issues preventing them investigating the charges or allowing them to block the card. I was finally able to cancel the card myself about XX/XX/2017 by finding a cancellation button on the XXXX website.
As of this date, the fraudulent charges are withheld from my wages and no investigation has been started. I have attempted to communicate several times with XXXX to resolve this, however, as of XX/XX/2017 they still have done nothing citing technical issues. I feel that they are just stalling me with excuses and wish to make me responsible for the fraudulent charges, in violation of regulation Z of the Fair Credit Billing Act, and possibly California Labor Laws, which prohibits employers from deducting such damages from employees ' wages.
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| 02/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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|
Web |
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While working with a construction company XXXX XXXX XXXX ) to have our newly purchased home updated with a new roof and siding we were directed to EnerBank USA to help finance the project. They offered us a 1 year " Same As Cash '' loan of {$65000.00} that would come due in full on XX/XX/2022 with no interest charged. If it was not paid by that date, back interest would be charged at 17.99 %.
On XX/XX/2022 I directed my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay off the loan in 2 payments of {$57000.00} and {$8300.00} respectively. The check from XXXX was received by EnerBank and credited to the account on XX/XX/2022. The check from XXXX was not credited to the account until XX/XX/2022. On XX/XX/2022 I received a letter from EnerBank USA dated XX/XX/2022 stating that since I had not paid the account in full by XX/XX/2022, it was now considered a " Fixed Rate Installment Loan '' with a balance of {$66000.00}. Meaning that they had added {$8900.00} in interest to the balance.
I immediately called the number on the letter ( XXXX ) and after 25 minutes on hold, spoke to an agent who told me that the only thing she could do was to refer the matter to the management team who would review the situation and call me back. On XX/XX/2022 I receive a call with their decision that would " graciously '' wave the back interest if I agreed to pay {$110.00} for the new interest that had accrued since XX/XX/2022. In order to stop the harassment, I gave them my XXXX bank account information over the phone to cover the interest charge.
I have a " Letter of intent '' from XXXX that shows that the funds were withdrawn from my account on XX/XX/2022 and mailed in the form of a check ( because EnerBank USA does not accept electronic payments ) on XX/XX/2022 XXXX XXXX XXXX with an expected arrival date of XX/XX/2022. XXXX 's claim that it took 8 days for them to receive and process the payment is belied by the fact that check from XXXX was received and process in only 3 days. It is my contention that they deliberately delayed the processing in order to extort money from me.
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| 09/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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My company received an email alert from the "fraud protection alert" department of this credit card company. Asking if someone from our company made these transactions dated X/X/2017 at XXXX XXXX XXXX, Fl. My company responds "NO" to that email. We received another "fraud protection alert" again we responded "NO". I called Customer Service explaining what had occurred. They blocked/canceled the fleet cards and reissued new ones. I was told to file a dispute online because customer service could not help me resolve this issue. I asked them to please document every phone call and to please put notes on the account regarding this issue with fraud. I filed a dispute on all charges made in Flordia. The credit card company approved the charges on the card ending in XXXX but did not approve the other charges on card ending in XXXX. Every time I called customer service they said the fraud department handles these issues and they could not resolve that issue. "you have to email them" I tried calling a number XXXX for two weeks no one ever answers that line. So I continue to email that department. The last response from them was that I check off the lost/stolen box on the form and because I check that box off the transaction were not fraudulent or counterfeit. I let them know that it was a mistake and that I had written an explanation in the box provide a detail about what had occurred. This department is not looking at the full details of this case. They are going about it based on a check mark on their form. That was checked and followed by an explanation as well. I have sent several emails with documentation and proof of everything that I have now two months later they are asking for the physical card to be returned that is they are not returned the charger will not be removed. I did everything that was in my power to notify them and explain what was happen we responded no to these charges and their company put a block as well. So how is it that we are liable for these charges just because I check a box and they are refusing to read the full detail of the whole case.
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| 11/17/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am a XXXX year old XXXX man, and I use a XXXX. I do not own a car, and can not drive. I 've been a victim of identity fraud by my younger brother. He made XXXX dollars worth of fraudulent charges on my debit card number. He never received any cash from an atm because he did n't need to. He used the XXXX money transfer feature to have money sent from my debit card number, to his bank account. There are several other persons that he sent money to from my debit card to their bank account. I have sat down with the bank manager and identified all of the fraudulent charges from XX/XX/XXXX, to XX/XX/XXXX. I pressed charges against my brother, and gave the case number to the bank to include with my disputed charges. Regions has denied to credit any of my money back despite having pressed charges against my brother. My brother made all of those fraudulent charges with my name and now it looks like I made the transactions and this is not the case. If the ip addresses can be examined from these erratic charges, they will see that the card was being used in two different places at the same time. Me being XXXX is important in this. I live in a seperate county than my brother, it 's about an hour and a half away. I ca n't drive and do n't own a car, so it 's impossible for me to drive to XXXX, Arkansas, use the debit card several times, and drive back to XXXX, Arkansas, use the debit card , drive to XXXX again, and use the card again, the drive back to XXXX where I live. Regions has denied my claim for these disputed charges. I needed all of this money back, for i 'm handicap and do n't have a job. My brother stole all of it from me. It took me too long to catch on but i 'm not very smart in these matters. My brother knew this about me and took advantage. I was advised to put in a complaint with CFPB. That the CFPB investigates matters just like mine, where it takes more than just glancing over the case, and takes more attention to the details. I need your help. I need this money back, or i 'm not going to be able to pay my rent in XX/XX/XXXX. Thank you, XXXX XXXX.
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| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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I have been a customer of Regions since XXXX. I opened a dba account for my XXXX XXXX XXXX XXXX in XXXX. Despite seeing my history of depositing over XXXX XXXX dollars a month for years and understanding my business was profitable they have turned me down numerous times for a business account and a line of credit. Why? Overdrawn account and apparently my credit score. Regions made a public promise to invest in the XXXX communities.
Regions would not accept the fact that as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medicaid XXXX sometimes our deposits would be late. Late does not mean not received. However they took their money off the top and they denied opening me a business account over and over but would take out overdraft and other fees. They would also deposit money on the account out of order, make you think withdrawals were taken immediately which was not true. No one carries a check book or bank register with them but I started. Then acted as if it was my fault. I thought it was. It wasn't.
They had not one good credible reason for denying my business this account. The last straw was one of the bank managers telling me the reason they could not open the account was they were a " conservative '' Over the years if I had a line of credit, allowed to open a business account, and access the privileges that goes along with it I would have started to have a relationship with a bank. I knew the staff at the bank and they knew me but not well enough to help me at a crucial time.
The OD Grace period is not helpful just another ploy, it causes XXXX and reminds the customer they are still not valued. When she used the word CONSERVATIVE I was not shocked, how dare you, wow. I am conservative as well in some situations however she used it as a code word and made me immediately think of racial discrimination. She could provide no other reason. Not one. Now they won't even allow overdraft. I can't get an account from another bank because they only look at your credit report never asking the customer what happened, never giving them a chance to explain.
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| 07/29/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
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Web |
|
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1 ) Sold our home at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX onXX/XX/2019 Regions Bank provided a XXXX balance letter in support of closing and then standard paperwork was sent to Regions Bank to close the HELOC. Regions failed to close the HELOC per standard industry procedure.
2 ) In XX/XX/2019, an automated system within the loan department at Regions Bank charged the still open HELOC {$9100.00} for Hazard/Property Insurance on the property sold in XX/XX/2019. This charged was reversed the same day.
3 ) On XX/XX/2019, Regions charged the still open HELOC with a {$9200.00} and labelled it a Customer Service Adjustment.
4 ) In early XX/XX/2019, I spoke with a person in Regions loan department. They stated they had not received the documentation of sale and gave me a fax # to send it to. We complied that day. They still have not closed the HELOC and interest is accruing.
5 ) On XX/XX/XXXX, I discovered the HELOC was still linked to our checking account for Overdraft Protection. While traveling overseas, I had mistimed a deposit of funds and credit card payment. XXXX Bank was alerted that the payment would be returned and to resend. Regions Overdraft Protection kicked in the next day. It was repaid that day.
6 ) Transaction Details Below.
POSTING TRAN TRANSACTION REFERENCE AMOUNT DATE DATE DESCRIPTION NUMBER XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX XX/XX/19 XX/XX/19 HAZARD INSURANCE PLACED {$9200.00} CR XX/XX/19 XX/XX/19 PRINCIPAL ADJ DR {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - PRIN {$100.00} CR XX/XX/19 XX/XX/19 ADJ - INT {$17.00} XX/XX/19 XX/XX/19CUSTOMER SERVICE ADJUSTMENT {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - INT {$87.00} XX/XX/19 XX/XX/19 INTEREST CHARGE {$41.00} INTEREST CHARGE ON CASH ADVANCES The local branch has no authority to help in this matter as a the account in controlled within the loan department. I am retaining counsel but want the public to know that there is either a serious software issue within Regions, or outright fraud being perpetrated by internal employees.
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| 12/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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Web |
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I am writing to report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.
The application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property.
In response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document.
Additionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans.
These experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security.
I am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements.
I appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices.
Thank you for your consideration and assistance.
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Opened new account XX/XX/2023 at Regions Bank.
Went to deposit my payroll check of {$1000.00} on XX/XX/2023. Funds were not available upon despoiling, I called the branch and was told it would be available after midnight the following day. None of this was told to me while in the drive thru of depositing. Later that day, the mobile banking application showed funds were being held for 2 weeks and my funds would not be available until XX/XX/2023. Received a email stating they were holding my funds due to my account being repeatedly overdrawn for 6 plus months and my account wasnt even a month old and it was never in a negative balance. I called the XXXX telephone number and was told to contact the branch to get this hold released. I have made several attempts to speak with the bank and branch manager to get this resolved and they have all be very inconsiderate and rude. They have made none of my funds available, they refuse to release the hold because they state they cant lose their job if the check is no good. They had a lot of time to get that check verified they day I deposited it or even business days afterwards but they refused to do so. That leaving me no access to my hard earned money. I have direct deposit but they first check must be a live check for one pay period before direct deposit takes affect. This bank falsely stating my account to be delinquent in order to hold funds is not right. They refuse to do anything and now have caused me to fall behind on my dues and providing for my children because they want to be negligent. This bank needs to be held accountable for their unlawful practices. How can they hold a official payroll check with zero verification of being legit for 2 weeks without making any of it available to the payee?? They stated if I would have came in and cashed the check and turned around and deposited the cash this wouldnt have happened. The Branch manager who refuses to help and is extremely rude is XXXX XXXX ( maybe XXXX ) not sure of the spelling. Something needs to be done in this matter.
Thank you XXXX XXXX
|
| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On Friday XXXX XXXX I used an ATM just outside the lobby area of Regions Bank branch located at XXXX XXXX XXXX XXXX XXXX . XXXX XXXX , GA. I attempted to deposit a total ( cash ) amount {$690.00}. The ATM only gave me credit for {$300.00}! I received a error message returning my ATM debit card to me and prompting me to contact support and provided a number in which to call. After receiving this message I contacted the support team and on XXXX XXXX 3 days later I was credited with what now I understand as a provisional credit. Prior to this date I 'd experienced issues with not only this ATM but also the ATM located at the drive through taking the cash I was attempting to deposit and not crediting the account.I always make my deposit in portions to ensure i will not be inconvenienced financially because of the issues with the ATM.Once I could confirm the deposit amount I proceed to deposit the remainder.On Thursday XXXX XXXX my account was deducted for the amount of XXXX and I was told that the ATM was not inbalanced after further investigating and that I was given the {$390.00} as more of a courtesy. This has caused such discomfort and inconvenience to me and I have been really frustrated with the process of getting my funds returned to me. I have also been charged overdraft fees for items deducted from my account that was debited days before this even took place I have been to the bank 3 times in 4 days spoke to branch managers XXXX & XXXX whom are extremely nice & seem to be helpful following the days this catastrophe .I was told that the ATM was n't over & I have basically lost out on my funds .They have insisted that ' they would further investigate and also credit me for fees associated with this incident but have I have yet to receive my {$390.00}. I am requesting video footage of me depositing MY MONEY & video footage of whomever else is responsible for manually balancing the ATMS. I need whomever in charge of checking the bank cassettes to make sure the $ $ did n't get caught up in those as well.
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| 08/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
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I moved to XXXX, TN about 1 year ago and established a banking relationship with Regions Bank.
I am retired and get 3 monthly checks. Two checks are for a fixed amount from a national insurance company ( {$8100.00} and {$1000.00} ) each month. I receive a third check each and every month of varying amounts of between $ XXXX {$6000.00}.
I keep a multiple of many times these amounts in my checking account at all times.
For the first 9 months I deposited these checks and all went perfectly fine with no holds placed on any of the deposited funds.
About 3 months ago, Regions instituted a new option on the deposit of checks ( funds available immediately ) for a fee 1 to 4 % of the check value ( with a minimum fee of {$5.00} ). As a business owner and operator for 40 years, I do understand the business need for a fee for the service.
At the same time that this option was instituted, the bank starting placing a 10 day hold on every XXXX of my regular monthly checks that was more than {$1000.00} despite never doing that in the past.
I have had XXXX conversations with XXXX of the local bank managers, who apologies, removes the holds, and sends a note for the next regional level of management to contact me about the issue. He states that this situation is due to a new algorithm that the home office instituted about 3 months ago. He hates this as he has to field numerous complaints just like mine. I have never received a call back from the next level of management after 3 months. I have also gone to the Regions website and summitted complaints about the new practice, but received no reply.
As it appears to me, it looks like the bank is using their new algorithm as a predatory excuse to skim XXXX % off of every large deposited check if someone is in a tight financial situation. Luckily, I keep a large cushion in my checking so that the 10 day holds are not an issue. If I were someone in a tight financial position that couldnt wait for 10 days for the money, this huge fee could be devastating and I think it is very unfair to the average consumer.
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| 07/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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Regions Bank will not allow me to close a Regions Preferred LOC account with an annual fee unless I appear in person at a location XXXX miles from where I live. I opened the account while stationed at XXXX XXXX, LA at the XXXX XXXX XXXX, XXXX XXXX, LA location. I was required to move for work to the XXXX NM area in XX/XX/XXXX. I did not close the accounts then, as my home was not yet sold and the home loan was through Regions Bank. After the home was sold in XX/XX/XXXX, I requested all my accounts to be closed. After some back and forth in the online message center, I received assurances that all accounts would be closed. I stopped receiving statements in XX/XX/XXXX, so presumed this was successful.
In XX/XX/XXXX, I received a notice in my email saying I had a statement from Regions. Admittedly, I did not review the statement as my understanding was that all accounts were closed. However, this was a statement for an annual fee being assessed. In XX/XX/XXXX, I received a paper letter in the mail stating that a loan payment was not paid. I called Regions asking what loan I had with them. Regions notified me the LOC account was still open and that they have charged a {$50.00} fee, as well as a {$35.00} fee for not paying on time. Regions now claims I owe Regions {$85.00} as well as interest I presume.
While the fees on an account that I wanted closed and had not received a statement on for over 7 months is egregious in and of itself, Regions insists they will not close the account unless I appear in person. No certified power of attorney is acceptable. No representative can attend in my stead. No modern legal vehicle will be accepted. I must take 2 days off work , drive 845 miles, stay in a hotel, go to the lobby of the bank I opened the account with, close the account, and drive 845 miles back. The only reasonable explanation I can come up with is that Regions Bank counts on clients just paying $ XXXXyr for the rest of their lives in order to avoid the likely {$1000.00} it will cost to travel to the lobby where they opened the account.
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| 10/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
Older American |
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Around XX/XX/XXXX, I mailed a check by placing it in the collection box at a US Postal Service facility in XXXX, NC. The check was made out to the City of XXXX in the amount of {$150.00}, On the evening of XX/XX/XXXX, I decided to check my XXXX XXXX account, and I quickly noticed that the balance was {$0.00}, and upon further investigation, I saw that the check I had written to the City of XXXX had been altered by the person " whiting out '' City of XXXX, replacing it with his name, XXXX XXXX, and changing the amount to {$10000.00}. XXXX XXXX then made a mobile deposit into Regions Bank. My XXXX XXXX branch filed a claim with their corporate office on XX/XX/XXXX, and I immediately contacted XXXX Police Department and filed an incident report. I also filed a report with the US Postal Service. Unfortunately, despite numerous phone calls by me to speak with a XXXX XXXX investigator, no one ever called, except to state that numerous attempts were made to contact me and my phone just rang and rang. Please note that my cell phone never showed any missed calls or voice mail messages. Misinformation was provided to the detective by XXXX XXXX regarding the bank that received the deposit, delaying time. I found out on XX/XX/XXXX that the receiving bank was Regions Bank. NC Attorney General 's Office has informed that Regions Bank is a state-charted bank out of XXXX. XXXX XXXX has informed me that there is nothing I can do if Regions bank does not return my {$10000.00}. I just want to be made whole. I feel as if there is nothing I did to become a victim of this crime, except to mail a utility bill through the USPS. One can easily see that my check was altered. Regions Bank apparently accepted that check, despite the obvious changes that had been made to it. I am hoping that Regions Bank does the right thing by quickly returning my money to XXXX XXXX so that I can continue to pay my bills. I strongly believe that the loss of {$10000.00} would be significant for the average person. I would greatly appreciate any assistance you can provide. Thank you.
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| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX, I paid my Regions Bank credit card payment in the amount of {$62.00}. Last week on XX/XX/XXXX, I was notified my XXXX payment as not received and my account was delinquent over 31 days. Immediately, I contacted the proper personnel within Regions Bank in regards to this discrepancy. I provided my XXXX bank statement showing my payment for {$62.00} being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CEO of Regions Bank and several personnel under him regarding this matter. The collections department contacted me on XX/XX/XXXX, and they have been giving me a very hard time! I have explained the situation to them and they refused to remove this discrepancy from my credit report. Today, XX/XX/XXXX, XXXX XXXX stated, the bank statements I provided her was not sufficient enough to remove the negative remark from my credit profile. She further stated, Regions bank never received my payment nor did I make payment in XXXX. This is really embarrassing!! XXXX XXXX called my last week making false allegations in regards to my account as well. I even went further to ask for her contact information ; however, she lied and stated, I do not have a direct number to contact me back at. Again, that was another lie she told because, she gave me her number last year when they lost my loan payment I made in XX/XX/XXXX. I am in the process of purchasing my first home and they is really affecting me. I am very stressed out and Regions does not care. I have had my credit card account for over 7 years and I have never missed a payment nor have I been late. I have offered to pay the account in full long as they remove the negative remark and they will not budge. This is not the first time Regions Bank has lost or misplaced my payment and reported it wrongfully to the credit bureaus!! The representative XXXX XXXX and XXXX XXXX told me not to contact the corporate office anymore regarding my complaint because they will not make them change their minds in regards to removing this negative remark from my credit profile. Can you please assist me?
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| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with fraud alerts or security freezes
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Web |
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To the Concerned Party, I am writing to address a matter of utmost importance that necessitates immediate attention. Regrettably, my financial account has fallen victim to fraudulent activity, and I find myself in the unsettling predicament of being denied reimbursement by my bank for the unlawfully taken funds. In response to this distressing situation, I have taken the initiative to file an official police report in connection with the crime, underlining the severity of the identity theft I have suffered.
The fraudulent actor responsible for this act of deception managed to gain unauthorized access to my account, most likely through the acquisition of a duplicate of my debit card. While the bank has indicated that such an occurrence is seemingly implausible, I must emphasize that my unfortunate experience stands as evidence to the contrary.
It is my belief that I am entitled to the protections outlined by the Federal Deposit Insurance Corporation ( FDIC ), a safeguard that guarantees financial restitution of up to {$250000.00}. In this specific instance, I had maintained a balance of {$2900.00} in the compromised account, which was subsequently depleted entirely.
My intent in pursuing a resolution to this matter is sincere and rooted in a commitment to justice and transparency. My decision to file a police report is not one made lightly, as I recognize the implications of such an action. Rather, it stems from a genuine necessity to address the wrongdoing and reclaim the rightful security and stability of my financial resources.
I implore your assistance in navigating this distressing situation, as I am left perplexed and uncertain about the subsequent steps to take. The gravity of the situation compels me to seek a just and equitable resolution, as I am resolute in my assertion that I have been wronged and seek the appropriate remedies.
Thank you for your prompt attention to this matter, and I remain at your disposal for any further information or clarification that may be required.
Sincerely, XXXX XXXX XXXX
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| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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In XXXX, I changed cell phone numbers. I updated my phone number with my bank and needed to make a wire transfer from my business banking account. I called customer service who directed me to authenticating myself using the standard text messaging that I had used prior without incident. I set up the transfer and received a text on my new cell number and entered the last 6 of my ssn as instructed. I received an error that this was incorrect. I spent hours over the next month on the phone, in my local branch, and reaching out to the CEO/executive care line eventually as I followed Regions instruction and was locked out of all my accounts. After I finally was able to get access to my accounts again, I was told by an agent that I should have never had this happen as it was well known glitch that any customer who had a social security number where the last XXXX digits begin with a XXXX will trigger a fraud block - she said they had numerous trainings on this and it should never have happened nor been allowed to lock me out.
The result was I was locked out of all XXXX of my Regions accounts for over a month resulting in Significant overdraft fees ( some of which were refunded after I continued calling ) and most importantly thousands of dollars in returned payments, late fees, the inability to pay any bill on time as I had zero access to my bill paying accounts. I have complained at all levels and was told indeed this was a well known issue with Regions transfer services but their response was after months of my complaints and requesting help, Regions had refunded some of their fees. As this was clearly a well known glitch with their system, it cost me weeks to finally have some of their overdraft fees recredited but it cost me thousands for every bill that was returned out of my account after I had proven my identity in person and filed numerous complaints. I am still suffering the financial penalties because of this error that was allowed to continue for weeks and the financial penalties to me have not been addressed at all.
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| 03/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2019, I was in XXXX XXXX XXXX, XXXX while returning to my hotel i got into a cab and then the driver proceeded the wrong way. Soon after he stopped and a second man entered the back seat and put a burlap sack over my head. Then took my belongings which were My I-phone, and Phone case which contained my Dr Lisc., Regions Bank Debit Card and XXXX Credit Card . Then they drove around while accessing my phone via facial recognition getting into my accounts and asking me questions like passwords and pin numbers and how much money is in my accounts. After they were satisfied they drop me off on a random road about 30 min drive from my hotel. I then ran down the street looking for a gas station or somewhere to call my hotel ( XXXX XXXX XXXX XXXX XXXX ) at this point that's all i thought i could trust to pick me up. As i had no money or ID on me anymore. I found a gas station the worker was really helpful as he didn't speak any english but realize i was in distress and not from the area he let me use his cell phone and looked up the hotel phone number to call. Hotel picked me up and took me back upon reaching the manager on duty around XXXX XXXX was there and told me get some rest and when i wake up he would have the head of security ( business card attached ) to escort me to the police station and translate my story to them. ( XXXX Police report attached ) When able to gain internet access, I saw that my Regions account was emptied and cancelled my ATM card.
I have repeatedly contacted Regions Bank but have only received two identical form letters ( attached ) as a response. Both letters denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis '' I have requested further details as to why the claim was denied and discuss with a manager but have received no response after 3 phone attempts and one visit to a local branch Although the fraud was reported in less that 48 hrs. ( Regions email attached ) I have been unable to find anyone to help in resolving this issue.
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| 04/22/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Servicemember |
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I opened a checking account with regions when I was around XXXX years old and used it very rarely living out of state. When moving back to the state in XXXX, I used this account with more frequency until switching to another bank because of the handling of deposits, withdrawals, and fees. The checking account remained open but was rarely used for the next few years. I was never charged a low balance fee or limited use fee during any of these times. I then opened a heloc with Regions in XXXX and started using the account to make these payments. When I paid off the heloc in XXXX, I started receiving an {$18.00} charge every month. I have called several times over the past 2-3 years and have never been given a solution. The rep would usually tell me that the fee didn't make sense, that they weren't sure why it was charged, or that I would need to figure out why it had changed and discuss the issue with whichever branch caused the issue. Apparently, as I was told by a representative a few months ago, at some point while I had the heloc, my account was " converted '' to another product that would help me by gaining interest on my checking account t balance. When the heloc was closed, which was preventing this fee from being assessed, the fees started accumulating every month. I was finally told today that they would put in a request to change the account back to the original product, which would eliminate the fee, but I was only eligible for one fee reversal. I feel that this is an unacceptable deceptive practice because I was charged {$18.00} per month for the last few years with no explanation, no apology, and no restitution. The account was converted without my knowledge and, until today, I couldn't even get them to change it back to save future fees. I have struggled for years to even understand why this was done or how to change the account to save the fees. I would have completely closed the account and severed the relationship but have kept it open because I have a recurring transfer to my parents ' regions account.
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| 10/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information.
I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal.
The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too.
So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open.
They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either!
But Im just tired of being robbed!
Please help.
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| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2022 my property was stolen from my vehicle. This included my phone, wallet, and gym clothes. My sons mother witnessed the theft and filled out a police report with the XXXX XXXX police department in XXXX Louisiana. ( Report # XXXX ). My phone is set to stay unlocked in my vehicle which gave the thief unauthorized access to a few of my online accounts. In addition the thief had my wallet which contained my regions bank debit and credit cards. Subsequently this person, maxed out my credit cards and cleaned out my bank account. The person was obviously skilled because they did it in a matter of moments while maintaining a relatively close distance to my vehicle while doing so. As a result, I myself also filled out a police report to document the fraudulent charges and report my items stolen personally. This report was also filed with the XXXX XXXX police department in XXXX Louisiana. Report # XXXX. I received an email on my desktop alerting me of a large cash app transaction. I immediately responded that it was not me who made the charge. At which point my debit card was deactivated and I made my way to the bank. I was told I had to wait until after that charge had finalized to file a dispute. So I did as they instructed me. When I filed a dispute, I told the banker at the branch that there was police report associated with this claim. 10 days later, I was told my claim was denied, but that they had no information about a police report on file so I gave them the information again they re-opened it only to deny it again. With the reason stated that because I had use cash app in the past they would not approve my claim. However, had the investigator even taken the time to read the reports they would know exactly how this transpired. This person stole my social security XXXX check and I am the only person who will suffer as a result of the poor investigative skills and lazy handling of the investigators with REGIONS BANK. Who saw fit to deny my claim with 2 separate police reports documenting the situation.
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| 03/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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On XX/XX/XXXX, my Regions Bank card wasn't working. Nor was my wifes. ( same account ) I called the branch and was told I need to come by. Turns out that on XX/XX/XXXX, 3 fraudulent checks were written on my account that I've owned for 30 years.The first check was to XXXX XXXX XXXX. Only {$74.00}. They then had printed checks made with MY account number and a name of a woman in XXXX. XXXX MN. XXXX XXXX name was on the check with my number and she then wrote 2 checks drawn from my account on same day ( XXXX ) Each check was for {$18000.00}. I never had a call to verify anything. In fact I wasn't informed until I called a week later. I never write checks like that!
I've filed a complaint with Regions and NOTHING has happened. I'm out my money for 3 weeks now. No apologies, no money. I have opened up a new account so I could begin moving credit card and direct payments over. Regions never actually FUNDED the account. I've made numerous calls and waited in the office an hour while banker typed. Nothing is in there yet. I can't withdraw the remaining {$40000.00} in my account as withdrawals are frozen.
How did XXXX XXXX get my account number and then put another persons name on that account? I think someone at Regions is involved and nobody is talking ... They won't even tell me where the checks were cashed. They said " we don't know ''. I also wonder why I wasn't called when someone in a state I've never been in presents 2 large checks. I've been called for a {$200.00} check I've written to a yard service with XXXX sounding names ... but 2 checks for {$36000.00} doesn't set off a bell??
I'm getting nowhere from a totally unresponsive Regions. XXXX Police Dept was notified day one. Since checks were evidently cashed in Minnesota, they say it's their jurisdiction and not MPD. I've sent affidavit to XXXX. XXXX MN. Heard nothing yet.
I need help. I'm fortunate enough to survive with a couple months of salary missing but I know most Americans aren't so lucky. They'd be looking at BK or ruined credit at best.
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| 08/20/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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REGIONS LOANS VS XXXX FAMILY :ON XX/XX/2019 REGIONS LOAN REFUSE TO FOLLOW THE REGULATIONS IN HOME LOANS WE PAY ALL PRINCIPAL AND INTEREST UNTIL XX/XX/2019 BUT REGIONS REFUSE TO CANCEL THE PRE PAYMENT FOR ESCROW FROM XX/XX/2019 LAST WEEK THE FILE A NOTICE OF LIES PENDENS WITH OUT ANY NOTIFICATON OR HELP .AGAIN WE PAY ALL PRINCIPAL AND INTREST PLUS ESCROW UNTIL XX/XX/2019 - WHY REGIONS WANT US TO LOSE THE HOUSE FOR NOT PRE PAYMENT IN THE NEW ESCROW ACCOUNT - WE TALK TO THE INSURANCE COMPANY AND XXXX XXXX TAX AND THEY OFFER A BETTER PAYMENT PLAN .PLEASE INVESTIGATE WHAT HAPPEN ! REGIONS VILOATE ALL THIS REGULATIONS .Restricted Dual-Tracking: Dual-tracking – when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure – is restricted. The practice has hurt many consumers who thought they were working out a resolution with their banks and were shocked to learn of a scheduled foreclosure sale. Under the new rules:• Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Early Notice When in Trouble: Servicers must include information about delinquency in a borrower’s monthly statement after the borrower misses two consecutive payments. This information must include the date the borrower became delinquent, the amount required to bring the loan current, and the risks of failing to do so.Notification of Foreclosure Alternatives: Servicers must reach out to borrowers who have missed two consecutive payments. Specifically:• Servicers must provide in the written notice examples of “loss mitigation” options, which may be available to avoid foreclosure. These options could include changing the interest rate, extending the terms of the loan, deferring or forgiving principal, or coming up with some other alternative payment plan.• Servicers must include information about housing counseling in the written notice.
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| 09/23/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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This issue pertains to Regions bank and their overdraft coverage policy.
For the past 3 weeks I have been making countless calls and visiting the local branches to try and have this resolved. In doing that I found out a lot about Regions and their workings.
This all started because I went out of town on business and had to use my debit card for the hotel stay. Because the hotel put a hold, it caused many transactions to overdraft.
XX/XX/2014 I turned off all overdraft coverages and protections, to avoid any charges being taken. I do not agree with this overdraft coverage and do n't ever want this on any of my accounts because it 's a negative tool.
When asking Regions representatives and officers how did this coverage get turned on my accounts, their words were " We do not have a way of finding out how it got turned on. '' To me that was strike XXXX, that your systems do n't have any indication.
Secondly, they sent me on quite a bit of running around the city. As I visited the XXXX branch, they advised me I would need to see a next level advisor in another branch on XXXX XXXX XXXX, keeping in mind that is 30 min travel to that location. I promptly followed their suggestions, and upon arriving at this location, their representatives inform me, that the other branch had mis informed and XXXX XXXX Branch could not do anything either.
Now I jump to their phone reps, upon going through numerous calls, which I have logged. As I ask the representatives how did this coverage get out on, he advised me that only customers and no Regions bank officer can change that. I have been told so many stories and seen with my own eyes that they do whatever they please with overdraft protection. I lost close to {$300.00} in fees because they do n't understand what 's going on and how this protection got placed.
For Regions as a financial institution to do this is extremely unacceptable and I did some research and found out this is not the first time Regions does overdraft maneuvers that affect their clients.
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| 12/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I first opened the XXXX XXXX account up back in XXXX of this year 2022. After giving them a {$300.00} deposit.
After getting the the card and terms, which I was not aware of, I decided the terms was not fair. So, I decided I would close the account.
I decided on XX/XX/2022 to finally close the account, which I never used. I spoke with Representative named XXXX on that date and told her I am closing my account.
She said the account will close and I will receive my {$300.00} deposit in the mail to my address on file within XXXX to XXXX weeks.
XXXX to XXXX weeks went by and I did not receive my check in the mail.
I called them back again on XX/XX/2022 and I was transferred to multiple employees and eventually the phone was disconnected.
I called back again on XX/XX/XXXX, and spoke first with Representative named XXXX, he said he does not have a XXXX ID. Then I asked to speak with the supervisor. I was transferred to supervisor named XXXX Representative ID XXXX. He said he does not know what happened with the check where it was and if it was even shipped to my address back from XX/XX/2022. I asked what is going on? I do not understand this process. It should not take this many attempts to get a resolution. There was a ticket number created ( ticket number XXXX ) to get down to see what is going on. I was told I would receive an email with an update within XXXX to XXXX hours.
XXXX hours later, never received a response. I emailed them asking them where is my {$300.00} deposit? I did not receive a response back. That was XX/XX/2022.
I called again today, Friday, XX/XX/2022 and spoke with supervisor named XXXX XXXX, Representative ID XXXX. He told me the last activity that was on the case was XX/XX/2022 waiting for a XXXX approval to issue out the refund. I received no solution again today.
I have not ever had to report a business to an agency before.
I do not know what is going on with that company, but it needs to investigated.
I was told they have a lot of complaints against them.
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| 08/25/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I found this article about Regions charging improperly on over drafts by shear chance, and luck. For years now Regions, since they " gobbled up '' smaller banks like my own " XXXX '', and I became a Regions customer, it has been quite obvious a " new '' set of rules for how the customers are treated was put into place. It is no wonder they have grown so large with the continual praying on middle class, and lower income folks like myself with outrageous, and unjustifiable fees. The worst thing I know of all is regularly manipulating the on line banking entries of debits, and credits. Debits will be held, purposely not showing them, not even showing them in the pending status for days, as they watch your balance dropping down, the bank knowing, and hoping you overdraft just before a payday. Then, at the over draft point, they will re-arrange the order of the entries to appear that you not only over drafted a few dollars on the '' real '' last charge '' debit ' you made. The new entry arrangement on this newest date of over draft now will show ( in the banks favor of course ) that you over drafted with one of the larger debit entries several days earlier. And now the day before your pay day auto deposit, they hit you with many tiny debit entries ( a few dollars each ) each with o.d. fee each of {$36.00} totaling {$100.00}, {$200.00}, or more. Now the facts after many years watching this closely are this : You have to watch the bank record on- line closely every single day to catch this. They make mistakes - dailey in the nightly work they do balncing your account. The adding subtracting errors they make can throw you own calculations you are trying to keep up with off, and in error. They continually fix errors they show on previous days balancing on next day or so - further throwing you off in error. Fact is, they have been scamming millions of dollars off people like me, and other people that do n't watch it as close as I do. I hope you bust them for all the rong doing. - to me, and manner others.
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| 03/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Incorrect information on your report
- Account information incorrect
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Web |
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Account # ending in XXXX I have a negative account from a Regions personal loan that is being reported to credit agencies.
One problem is I have spent hours on the phone with Regions trying to dispute this - and they could not even find this account.
Problem 2 is that I have two personal lines of credit reporting - 1 which is fine, and this one, which shows missed payments, etc. that I have been trying to dispute directly with Regions with no success.
Problem 3 is that this personal line of credit was tied directly to my bank account. Even if I accidentally 'missed ' a payment- the agreement was it would be automatically deducted from my personal account, so I should not have missed any payments just off this alone.
Problem 4 is I have disputed this with the 3 credit bureaus, and Regions confirmed that the reporting is correct. The attached show what is being reported, and there are a lot of discrepancies. Under the FCPA, confirming inaccurate reporting should result in them removing these items under my protection by this law.
XXXX shows the account was opening in XXXX XXXX- but the first reporting is on XXXX on XXXX with me being 30 days late, and ends with a line for XX/XX/XXXX ( during COVID as well ), with me being 120 days late. The report says I paid in full, so how are they reporting that as the last line? It states it was paid as agreed, in full, and closed.
XXXX shows the account as opening in XXXX of XXXX, but nothing was reported until XX/XX/XXXX. It says 73 weeks of reporting, and paid as agreed and closed XXXX shows 7 years, and all the missing lines from the 2 reports above all show as paid with XXXX during that time. The account closed date doesn't match the others as well.
Regions, to this day, sends me emails saying I am pre-approved for another personal line of credit. That doesn't make much sense if they say I defaulted before.
I am asking Regions, due to incorrect reporting that has directly affected my credit score, to remove this account from all 3 Bureaus.
|
| 02/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/21 I traveled into XXXX to get medication for my mother. The location is in a very bad area of town which I am not familiar with as it is about an hour away from where I live. I was in the need of cash to pay for the medication and needed to use my CheckCard with Regions Bank. My card was declined at the location. I think tried to find a bank branch near by and the closest was an hour away which was too far. I attempted to go to various ATMs to take out cash and the card continued to be declined. I have plenty of money in the account so I was not sure why this was happening. I continue to call the bank and due to phone issues they were having I could not get through. Being unfamiliar with the location and driving around I became very anxious and had a XXXX XXXX. I eventually used a credit card and had to pay a cash advance fee of {$50.00} pointlessly. I should have been able to access my money at the bank. after 4 hours I finally got through to the bank and they informed me that they canceled the card due to me not using it enough. They stated is you do not use the card in 6 months they turn it off. With Covid I am not going many places/traveling so I do not have the demand need for cash and when I do there is a bank 5 minutes from me I usually can go to. This Term of the card is no where to be found in any of their marketing material or even the tiny print on the Agreement & Disclosures Statement. This is a horrible business practice to deny access to my funds with no communication of this term at the point of getting the card and or at the point in time in which they turn off the card they could have emailed me to notify me. They have no issue emailing me to sell me or inform me of other banking activities. I called and filed a complaint with the bank and I was at that time informed that the bank will most likely not look at the complaint or review it. This was incredibly disappointing as in my perspective this is a stipulation of the card consumers should be notified in some way.
|
| 09/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Vendor keeps charging my debit card for a service not received and never signed up for. We inquired about XXXX classes for my son. The vendor required my credit card number even though they offered XXXX free weeks. I was told it was for liability reasons. My son got hurt the XXXX free class they offered. He was under doctor orders not to practice for XXXX weeks. My son informed the school he would not return due to injury and then summer would be here and he would not be in the state. They told him it was not a problem and he could return next school year. I have called them every month and each time I am told I must speak to the owner but he is never there and has never called me back. I filed a complaint with my bank. First they mailed the paperwork to an old address and then denied my claim due to not returning the paperwork. I went into a branch and completed the paperwork and it was sent by a bank employee to the claims department. Still did not hear anything for a week so I called the claims department and they again told me they did not receive the paperwork. I went back to the branch again and the same employee sent the paperwork in and confirmed they received it. Now another week has gone by and I received a letter in mail today that they denied the claim again and state they do not have my paperwork and need proof of cancellation. What proof would I be able to provide when there is no contract? They have the dispute forms that have been sent XXXX times. I have asked my bank also to provide me with signed credit card slips as required by law and they tell me they do not have to follow that law. They told me I needed to provide them with the signed cancellation forms again and then they hung up on me. They have been very unprofessional with this and it seems they do not care.
The charges are as follows XXXX XXXX XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, and XXXX {$130.00} XXXX *this charge was after my initial complaint and they allowed it to be charged )
|
| 03/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
Regions Bank - XXXX XXXX Branch XX/XX/2019 I submitted personally a Revocation of POA - POA Agent 's name and information removed from my bank account and bank account access - To reflect the only person left on the account was my name only.
XXXX Regions Bank- XXXX Branch XXXX XXXX XXXX- allowed the revocated POA- add herself BACK to my account without any notice to me and without my permission. Regions Bank provided an affidavit of Continued Validity to the revocated POA Agent- Which she signed swearing under oath of the continued validity of the POA.
XXXX Regions Bank XXXX XXXX Branch- XXXX was withdrawn from my account - XXXX Regions Bank - XXXX XXXX began the investigation on handling this matter and working on getting to the bottom of what happened and what needed to be done moving forward. The Legal Department was contacted and advised the branch on what to tell me - the consumer - this took several weeks.
XXXX Letter from my home branch, Regions XXXX XXXX Branch of the details found in the investigation of what transpired and why- I was informed that I would have to file a police report against the POA-Agent - and it was up to me to get money back from the person I had already removed from my account as well as legal Revocation of POA -submitted to the bank as well in XX/XX/XXXX, XXXX This is a violation on Regions Bank for not doing their job protecting my account, allowing an unauthorized agent to be added BACK to my account without my permission or any notification to verify these changes to my account.
I have filed a police report and have submitted this back to Regions Bank- It is my understanding Regions should be at fault- the XXXX should be reimbursed into my account-and Regions should be filing report against the Fraudulent activity of the Revocated POA and the Regions - XXXX XXXX XXXX Branch employee for allowing this person back onto my account - Please let me know what I need to submit along with this since you request not to submit personal information
|
| 01/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Placed a dispute on a delinquent report by Regions Bank on all 3 credit beaureu ( XXXX, XXXX and XXXX ). Provided documents supporting my claim that Regions is reporting me delinquent unfairly because the lack of communication between Regions Bank and XXXX XXXX and their failure to properly contact me in regards to their decision to stop doing automatic debit on my current account for mortgage payment. XXXX XXXX sent letters to my home address and tried to contact me via phone to a number I no longer had. Regions Branch in XXXX had all the correct contact info as I had updated it. XXXX XXXX had their contact info incorrect and I was unaware that they worked as two separate companies ( Only was told about this when I complained about the delinquent report ). Since I was travelling abroad at the time, I was unable to read the letters sitting on my mail box. When I returned home and saw the letters I proceeded to go to the Regions Branch inmediately and pay the past due amounts with the funds that had been sitting on my regions bank account designated for auto pay.
Credit Bureaus failed to consider all the documents and info provided and their response letters only mentioned that they acted according to Regions Bank response that they were reporting accurately my information.
This is an abusive use of the credit bureau report. This tool is made to properly show people who are unwilling or unable to meet their obligations on a timely manner. I strongly believe that with all the documentation I provided ( including Regions account statements showing more than enough funds available to meet payments during the due dates ) clearly shows that I had more than sufficient funds to meet my payment obligations. The only reason this was not done is the fact that Regions Bank stopped doing the auto pay in a period when I was out of the country and they also failed to properly inform me of this situation in order for me to be able to try to have payments made somehow from outside the US.
|
| 05/11/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I opened a HELOC line with Regions Bank mortgage ( Regions Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ) in XX/XX/XXXX. I wanted to complete the closing process of the loan at the bank located in XXXX but their loan by phone associate XXXX XXXX insisted I close it at my home since there was no notary available at two different branches I offered to close in XXXX. Finally, when I closed the loan, I wasn't informed about the recapture fee or any fee that would be payable if I terminate the HELOC account before 24 months of opening it. I specifically stated to their Loan by Phone mortgage consultant XXXX XXXX that I am opening the HELOC line just as a backup and I am planning to sell the home soon. Never during the HELOC opening process, I was informed about any recapture or prepayment penalty that would be applicable if the line was closed before 24 months. I would have never opened a HELOC line in the first place if I was told about the recapture fee since I was planning to put the home on market and had informed the same to XXXX over the phone. On XX/XX/XXXX, I visited their branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX to terminate my HELOC account since I was planning to sell the property and needed the account closed. I was absolutely shocked to hear that I have to pay {$970.00} for lien release to close my HELOC account that had XXXX balance and no activity since opening it.
I would request consumer finance to take strict action against this bank 's unethical and incompetent employees who never explained any fees would be charged if I decide to close my HELOC account. Regions Bank 's Loan by Phone Department just wanted another mortgage customer added to their accounts. I reached out to Regions Customer Service team several times and they were unable to close my HELOC line without payment of {$970.00} fee. My resolution of this complaint would be waiver of {$970.00} recapture fee for lien release and closure of my HELOC account/line which has XXXX balance as of XX/XX/XXXX.
|
| 04/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/XXXX I applied for a " construction to permanent '' mortgage at Regions Bank through XXXX XXXX ( XXXX XXXX ). I was seeking this loan to finance a home build for my family. I applied via a hyperlink provided by XXXX XXXX, and submitted my SSN/other personal identifying information to begin the process. This resulted in my credit being pulled by Regions Bank that day ( XX/XX/XXXX ).
On XX/XX/XXXX I supplied XXXX XXXX a signed builder 's contract and house plans, hoping to continue the application process where I would eventually receive an official 3-page Loan Estimate. This official Loan Estimate is required so I may properly compare Regions ' mortgage offer with similar lenders. My home builder ( XXXX XXXX ) then supplied XXXX XXXX with all required forms so they might be added to Regions Bank " approved list of builders ''.
On XX/XX/XXXX XXXX XXXX at this point asked me to fully " commit '' to the bank before moving my application forward. As I had not yet received an official Loan Estimate, I was not comfortable " committing '' to the bank at that time. I informed XXXX XXXX that I was committed to continuing the application process, but I reserve the right to back out at any time prior to closing. XXXX XXXX then replied that he refuses to proceed with the application because I was considering other lenders aside from himself & I would not " commit '' to Regions Bank.
As of XX/XX/XXXX XXXX my credit was pulled a week ago and all requested documents to XXXX XXXX were submitted, yet he still refused to move my application forward. This is prohibiting me from receiving the official, 3-page loan estimate that I'm entitled to via the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ).
Being required to fully " commit '' to a bank before receiving this document is not only unethical, but violates my lawful rights. I politely ask that the Consumer Financial Protection Bureau look into this event to ensure it happens to no one else.
|
| 01/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I received a call from regions bank on my cell. The caller ID showed as regions bank. The man told me my checking account was being accessed from a strange IP address and regions wanted to verify if it was me or fraudulent activity.
He knew my name and of course my phone number and home address.
I was just finishing up my work day and was in a bit of a scramble so when he asked to verify my login info ( he said the hacker may have changed my information ) I didnt hesitate and told him my user name and password.
Next he had told me they were attempting a transfer from a cash app called XXXX and said I would be getting a text with a code and I read the code back. I told him I had to pickup my daughter and was running late and the call ended. Moments later I had an email from regions stating I made a payment to XXXX XXXX for {$790.00}.
I called regions immediately and they said they could not do anything while the payment was pending.
The very next morning I took off work and my husband and I went to the local branch and they closed my account for me. Opened us a new account. And she said she filed a dispute over the charge.
Then the dispute was denied I guess because I gave my information out.
But it was regions bank calling me, and they already had my information XXXX didnt know they could do that. {$790.00} is an entire mortgage payment for us I do not have that kind of money laying around.
Regions will not refund the money but shouldnt they have responsibility with someone using their phone number? This XXXX app has no responsibility? I had to freeze all my credit, borrow money for our mortgage payment, I contacted XXXX that night and they wont do anything but cancel the email address from their system. I called the bank almost immediately after the transaction happened and they made me wait over 12 hours to file a dispute because the transaction was pending. They couldnt stop the payment? We are in the middle on a pandemic and they couldnt do anything to help?
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
The company want allow me to access money from my accounts. They have accused me of writing two checks, they have accused me of fraud. The issue started at the end of XX/XX/2018, when my daughter realized that the debit card to one of my accounts was missing. We reported the card lost to the bank and the police, we filed two police reports one in XXXX, AL and one in XXXX, AL. A week later the bank tells my daughter that someone deposited two checks into the account. We went to the bank to let them know that the card was lost. The bank told us that because my daughter, who name is on the bank account should not have had my card, they would not be refunding the money to the account that the checks was made to and that they was taking the money that was in my other account to recover the overdraft from the other account. The bank stated that whoever put the checks into my account had the pin number the checks was deposit through the ATM, but when my daughter lost the card, the pin number was on the back of the card and she lost her driver id, that is all in the police report. I gave the bank the police report numbers and offered to have my job and my daughter job show time stamps, to prove that we were at work when this happened. I asked the representative at the bank how was someone able to withdraw {$3000.00} out of an account that only had {$25.00} in it. The bank statement shows that the person was able to take the majority of the money out of the account within two days, when usually if you put that big of a check into a regions account they make you wait 5 to 10 business for the check to process. The representative told me that they did not have control over what the ATM allowed a person to take out or put in. That when you put a check into the ATM you are allowed to take cash out under good faith that the check is real, this is in contrast to what they do when you bring a check into the bank and make you wait for the check to be processed for 5 to ten business day.
|
| 12/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XXXX XXXX Social Security : XXXX On XXXX XXXX, XXXX I logged in to my online Regions Checking account to find that a direct debit in the amount of XXXX ( appx ) had been debited to my account causing a balance of XXXX. Then my two auto drafts for my car and house insurance came through and caused the account to be in overdraft.
I called the customer service line and the only explanation I could get was that someone has evidently written a cashier 's check and brought my account balance to zero.
On the following Monday, I went to my local branch in XXXX, XXXX XXXX see if they could help me figure out what happened. They called the XXXX XXXX XXXX branch of Regions in XXXX, XXXX XXXX branch manager is XXXX XXXX and he told them that because I did n't have a physical address on file, they automatically closed the account. He also stated he had tried to call me ( I never received a call ) to obtain my physical address. So my account was closed and I couldnt reopen it and the Regions branch in XXXX, XXXX XXXX to open another account for me but I was so upset I said no. I went to XXXX and opened another checking account.
A few days later, XXXX XXXX the branch manager from XXXX, XXXX XXXX called and apologized and said it was a lack of communication between himself and another employee. He stated that my account balance would be mailed to me and to this date ( XXXX/XXXX/XXXX ) I have not received a check. I am very upset and if this does n't get resolved immediately, my next step will be to take legal action against XXXX personally and Regions bank. I realize that it is a small amount of money but it is the principal of the matter. I hope Regions does n't do this to many other people.
I need two things from Regions : 1. My account balance returned to me 2. A statement from Regions stating Regions closed the account so my insurance company will charge off the overdraft charges to my account.
My current mailing address is XXXX XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX. XXXX
|
| 09/10/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I was gifted a car after the XXXX of my grandmother a year ago in XXXX. When I went to pay my sales tax and get the title transferred into my name I was told I needed a proof of. lien release before I could transfer title. The front of title under lien holder was signed and dated as released. I went back to my local DMV on Wednesday XXXX XXXX and told them the Lien Holder on the title was no longer in business. It was the XXXX XXXX XXXX XXXX out of XXXX, TN. The woman gave me the number for the XXXX XXXX XXXX XXXX XXXX XXXX opt XXXX. She seemed sure they would be able to help me. I left a message for a woman named XXXX and never got a call back. So, Thursday XXXX XXXX, I called again and spoke with her. She said informed me I needed to speak to someone at the OCC because they would have the information I would need to get this one little piece of paper. The number she gave me was XXXX. When I called the lady I spoke with searched for the bank listed as lien holder and she came up with a bank called Regions that was now based out of Alabama. She told me that unfortunately she could n't help me any further but she would give me the information for the company she had listed to handle all complaints for Regions Bank. Their address was XXXX XXXX XXXX XXXX, IA XXXX and contact phone was XXXX or online at www.consumerfinance.com. I then called them and a lady by the name of XXXX answered my call. After my discussion with her I had come to the conclusion that until then I had just been passed around from number to number so they did n't have to handle my issue. She informed me that my best bet would be to file a complaint on Regions Bank and wait for a reply from them. So, here I am doing my best to keep my sanity and hoping to find a solution to this whole proof of lien release needed from a company no longer in business in which I have gone a year past the date given the vehicle without being able to license it. I have attached a scanned copy of the title to this complain,
|
| 06/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had a checking account with Regions Bank XXXX for many years. I moved XXXX XXXX XXXX, XXXX. Shortly after my arrival XXXX I closed the Regions Bank account, but not before making sure there was nothing oustanding -- there was a zero ( XXXX ) balance.
About 6 weeks ago, approx. 1 and 1/2 years after I closed the Regions Bank account, I receive a phonecall from a collection agency saying they are trying to collect a debt I owe to Regions Bank, as a result of closing the Regions Bank checking account. In the 1 and 1/2 years since I moved, and closed that account, I have " never '' received any type of notice from Regions Bank saying that I have a debt with them. I received all of my " forwarded mail '' from every other company I did business with XXXX but never Regions Bank. In fact I am quite sure I gave them my new address upon closing that account, and still, I never recieved anything hinting that I owed them a balance on the closed checking account.
While speaking with the collection agency rep., I asked her to provide proof that I owe Regions Bank money. I have never received that proof -- nothing. I also asked if this " debt '' was reported to the credit bureau by Regions Bank or the collection agency. I have never received an answer to that question either.
So, approximately 6 weeks after I recieve the phonecall from the collection agency ( the first communication regarding a debt owed Regions Bank since XXXX ), I receive the first paper bill offering vague details about this alleged debt. I have attached/included a copy of the bill/notice I received by mail XXXX XXXX, XXXX.
I owe Regions Bank {$0.00}. I was quite careful when closing that account and closed it with a {$0.00} balance.I will not pay this bogus bill -- I will not have this {$22.00} extorted from me.
Regions Bank needs to notify me that this bill was a mistake, that the collection agency will not harass me again over a bogus bill, and that this does not appear on my credit report. Period.
|
| 01/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I opened a Regions checking account with the inducement of a {$500.00} bonus. I have met all of the conditions of receiving that bonus and have yet to receive it.
At the time the account was opened, I was sold a " pre-approved '' credit card by Regions. However, I was not told on that day or for most of the following week how much I was " pre-approved '' or approved for.
Ultimately, I was approved for a small fraction of the amount that other lenders have approved me for. Had I known this ; I would never have allowed a hard credit inquiry on my report nor would I have accepted Regions " pre-approved '' credit card offer.
On top of that, it took over four weeks to finally receive the credit card.
Shortly after that, I spotted numerous unauthorized transactions on the account. I contacted the merchant and was advised to contact Regions. After wasting an hour on a chat with a Regions representative, largely because she could not verify my address due to her lack of understanding the XXXX XXXX XXXX in Regions system is an abbreviation for the word XXXX XXXX, '' a dispute was finally entered.
However, I was not asked for any of the written communication sent to and received from the merchant. Nor was I provided with any written communication from Regions.
Worse, yet, Regions has refused to provide provisional credits for the unauthorized amounts charged and in today 's chat I asked a different Regions representative if I was expected to pay for these unauthorized charges and her response was " Correct. Of course, this is wholly unacceptable.
Outside of meeting with a charming teller at Regions when I opened my checking account, dealing with Regions has been a nightmare.
Not only do I have no faith in receiving a replacement card in a timely manner as the original card took a month to arrive, I have no faith that my credit card will be credited for the unauthorized transactions or that my checking bonus will be credited to my account in a timely fashion.
|
| 05/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I called this Comdata customer service regarding my current balance. I had a balance of {$2600.00}, and it appears as a balance of 0 right now. I spoke with a Spanish customer service representative at XXXX pm, who advised me that the company I used to work for was the one that made the withdrawal which I found to be odd because they do not have that permission. My wife tried to call again to request evidence of this withdrawal, and this representative was answering the call and acting as if he didn't hear my wife and remained silent. My wife then called again from her number and tried with the English line at XXXX pm because we thought the previous representative knew my number and wouldn't assist us ( sketchy ), and a representative named XXXX assisted her with me by her side. My wife asked for an email with the evidence ( statement ) showing that the XXXX XXXX was indeed the one that made the withdrawal and provided her email. An hour passed, and there was no email with this evidence ( statement ), my wife called again to request the statement copy, and someone answered and remained silent again ( suspicious ). I believe this is a big fraud and that this company stole this money from my account because it is super sketchy that they do not answer or remain silent after we speak about the issue. I believe that they thought I forgot about this account/card or something because the last time I used it was when I was in my XXXX in XXXX XXXX. This money is from hours of hard work, and it is not fair that they took it ; if this is not resolved, I will sue this company, and if I have to take it to the last of consequences, I will. This upcoming Tuesday, I will speak to a lawyer because this is unacceptable and a big fraud. Is very suspicious of how the employees are acting and this company. I have never had any issues with any card that they take my money and then pass the ball or accuse another company that does not have access to make any transactions on my account.
|
| 02/16/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
1. Opened account to get a sign-up bonus, sometime in XX/XX/22.
2. Working through steps to meet the sign-up bonus criteria.
3. Deposited a little cash into the account to establish a bank connection and make sure everything is working smoothly. {$50.00} on XX/XX/22 and {$50.00} on XX/XX/22 XXXX. Went to make the remaining deposit, {$900.00}, to meet the sign-up bonus criteria.
4. Account gets locked.
5. Called the number in the Region 's bank External Transfers portal.
6. Called the help lines.
7. Talked to the branch manager where my account was set up at because my account was set up over the phone with the help of one of Regions other representatives.
8. My {$900.00} doesn't get deposited into my Region 's Checking account.
9. I " miss '' the cut off date to meet the sign-up bonus requirements.
10. I call and try and dispute that it wasn't my fault that funds weren't deposited. Regions stopped the transfer, therefore I should still be eligible for the bonus.
11. Regions stiffs me on the sign-up bonus.
12. Try and get my external transfers unlocked to withdrawal my money. No one can unlock it until I see a banker in person. I have suggested having a notary verify my identity. XXXX call. Nothing seems to be good enough of a solution. I live 2 hrs. away from the nearest branch.
13. It has now been long enough that I should be able to close the account with out being charged a fee.
14. I called to try and see what the closing process would be.
15. I am informed that the account needs to be at {$0.00} to process a closing. I can't get the money from my account because external transfers is locked. I get the impression that I would have to be in-person to close the account even it it was at {$0.00} which I don't think should be the case.
What I want : I think I am still do my {$400.00} sign-up bonus. I want to close the account with not penalties, and I want my money that is in the account. I want to end my checking relationship with Regions bank.
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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About a week and a half ago I called Regions Bank to close my account as I no longer live near a branch. The first representative told me I could only close an account in person and when I told her that wasnt possible she hung up on me. I called back and the second representative told me I could close the account by phone once the balance was under {$1000.00}. I then went through their verification for my other XXXX XXXX account so I could make a direct transfer of the remaining funds. Once the other bank was verified I proceeded to try and withdraw the money. They blocked the withdrawal. So I called a THIRD time and they told me that they couldnt remove the block without me going to a branch. I explained AGAIN that I lived almost XXXX miles from the closest branch and wasnt making an XXXX roundtrip journey. I asked to talk to a supervisor. The representative first told I couldn't speak to anyone else. I kept insisting, so she tried EIGHT times to put me through to someone who could help me. After 45 minutes on the phone we both gave up. About 2 hours later they then RESCINDED my verification I had already completed, then blocked all online access to my account. I couldn't even check my balance or transactions. I called for a FOURTH time, this time to remove the block on my online account and they told me they couldnt give me access without going to a branch, because they couldnt verify my identity. This was after they had taken me through two levels of security questions, the second including the street I lived on almost 25 years ago and the age range of my ex-husband. I was left with no other option but to withdraw the money from the ATM, costing me {$5.00} for each withdrawal for a total of {$35.00} in fees, when I could have made a direct transfer for only {$3.00}. They have FINALLY closed my account after two more calls, bringing me to 6 CALLS and 7 trips to the ATM in order to close my account, all of this to withdraw less than {$2000.00}. Insane.
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| 01/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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On XX/XX/XXXX, I received an email offer from Regions Consumer Bankcard offering two balance transfer options. ( XXXX of original email attached. ) Offer one ( Region 's promo code XXXX ) was 0 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Offer two ( Region 's promo code XXXX ) was 1.99 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Transfers needed to be completed by XX/XX/XXXX, so I made three transfers in XX/XX/XXXX XXXX for {$560.00} to promo code XXXX, a second transfer for {$1000.00} to promo code XXXX and a third transfer for {$1800.00} to promo code XXXX. I also made an additional Transfer in XX/XX/XXXX for {$3400.00} to promo code XXXX.
My concern was with the transfers to the 0 % APR promo code XXXX that ran through my billing cycle that ends in XX/XX/XXXX. I called numerous times to clarify how I could pay the balance off on offer one before it ended in XX/XX/XXXX without paying any interest and was told it was not possible because of the way they applied payments to the balances. On a call-in early XX/XX/XXXX, I was told to wait until the Promo rate ended in XX/XX/XXXX and pay it off in XX/XX/XXXX because then it would be my higher rate balance and my payment over the minimum due would be applied to that balance & I could call & get the few days of interest forgiven. So, I made two payments, the minimum, and an amount more than the balance in question. I get my XX/XX/XXXX statement and XXXX charged interest at 20.99 % APR on the balance I thought I had paid in full in XXXX. So, I called today XX/XX/XXXX, and their claim now is that promo I accepted ended in XX/XX/XXXX not XX/XX/XXXX as stated in email I received, and my payments posted in XX/XX/XXXX before the rate changed so they were applied to the balance with the higher interest rate not the balance I intended to payoff. They never wanted to see a copy of the offer I received and called me a Lier by inference.
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| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On XX/XX/ at approximately XXXXXXXX XXXX EST, I placed an envelope into the big blue mailbox in front of the Post Office on XXXX XXXX XXXX XXXXXXXX Georgia. The mail contained my personal check payable to my son, XXXX XXXX, and addressed to him. The check was written against my account with Regions Bank in the amount of {$2400.00}. My son never received the mailing. On XX/XX/, I received notification from Regions Bank that the check had cleared my account and {$2400.00} was transferred to XXXX XXXX XXXX based upon my check # XXXX clearly payable to XXXX XXXX, but deposited and endorsed to the account of " XXXXXXXX XXXX XXXX. I immediately reported the mail theft to the US Postal Inspection Service, Case # XXXX. Next day, I visited Regions and met with Branch Manager XXXX XXXX and filed a check fraud claim, # XXXX. XXXX said that my case was very clear and simply fraud that should be resolved in less than 30 days. On XXXX XXXX XXXX I filed and additional affadavit on an Unauthorized Check Dispute Form.
I have continued to follow up with visits and telecons with Regions Branch Manager XXXX XXXX and after 5 months, have not had my {$2400.00} restored to my account. I have tried multiple times to escalate my case with Regions. I have received sympathy but no real help. Regions is deferring to XXXX XXXX XXXXXXXX for resolution. I don't have an account with XXXX XXXX XXXX. Regions is responsible for taking money from my account and giving that money to XXXX XXXX XXXXXXXX based upon a fraudulent deposit by a third party with my check made payable to my son. I have tried to get help from the FDIC who then referred me to the Federal Reserve. The Federal Reserve then referred me to the Consumer Financial Protection Bureau for help. This fraud investigation should not take 5 months plus to resolve and restore my stolen funds. The update I got from Regions just today said that the update has not changed and please do not request another update for 30 days!
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| 12/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American, Servicemember |
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I received an unsolicited offer for the Regions Bank XXXX XXXX XXXX card. I applied for it online and was informed, via eMail on XX/XX/2022, hat I had been approved, and that I should receive the card within 7 to 10 days.
On XX/XX/2022, while I had no received the card, I got a call from XXXX XXXX, a Regions Bank XXXX XXXX, who wanted to talk to me about opening bank accounts with Regions.
On XX/XX/XXXX ( almost a month after approval ) I called Regions Bank because I had not received the XXXX card as promised, and I was worried what might have happened. I spoke to a lady who informed me that they apparently had the wrong address for me. She said she corrected the address, cancelled the card, and ordered a replacement card to be sent. This card has never been received.
On XX/XX/2022, I again called Regions Bank. Spoke to XXXX at ( XXXX ) XXXX. She stated that she would be cancelling the card in transit, and would expedite a new card, to be sent by XXXX to my address. This was again repeated on XX/XX/2022, when I spoke to XXXX.
On XXXX XXXX XXXX ( a full 2 months after approval ) I called Regions Bank and spoke to one XXXX. At first he said the card had been mailed, and then he did find a notation requesting that it be expedited. By then, I had had enough, so I asked that the account be cancelled altogether, that I no longer wanted to do business with Regions Bank ( Ticket Number XXXX ).
I never got a card. I suspect the offer of the card was just a ruse to try to get my banking business and, since I did not give it to them, Regions just dragged their feet and refused to honor their offer. The harm to me has been done since they pulled my credit which affects XXXX core. It also may affect the decision of other card issuers who might claim that I have been applying for too many cards in the recent months. Regions may be pulling this with other consumers as well.
My name : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX eMail : XXXX XXXX
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| 10/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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My partner and I are joint account owners on account ( I am fully aware that means XX/XX/XXXX ).
ON XX/XX/XXXX ( Friday ) he was arrested for XXXX XXXX my XXXX XXXX XXXX after her disclosure with full admission on his behalf. By Monday, his sister had gained XXXX XXXX XXXX and removed all the money from my account. When asking for the POA, I was not allowed to see it ( although they did not open until Monday and the money was removed Monday, also.. they acted surprised after the heard what happened as if they were lied to completely ). They told me they would look into it, because the manager was not aware of a POA taking the money out if there was a joint account owner that was not an elderly on the account. They refused to print the policy for me.
After gaining the POA, I have a hard time believing it was ever verified ( discrepancies in signature and wishes ... and " he '' signed for " saving his eggs in case of an emergency '' among other odd requests ).
After this, I asked to close the account that is now at a {$0.00} balance, and they said they could not without his signature and could not do it through the POAs signature? I could not be removed without his signature ( although I am not allowed to have contact with him and he is XXXX XXXX XXXX ). I then tried to keep the balance up and close all the automatic drafts coming out and then asked to turn off automatic drafts- after catching it up.. they continued to allow it to be overdrafted with his credit card and other automatic payments that I had no control over. Now they are sending me a default paper and refuse to correct any of it.
I feel I did everything I could from the beginning. I took ownership of the joint account even though I still don't believe it is ethical even if it is legal but after all of that, I do not see how I could possibly still be responsible or how a judge would see it that way if I were to take it further. I need to know the next steps to take.
Thank you.
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| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX and CEO Regions Financial XXXX XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX Re : Policy, Flexibility, and Governance Opportunity XXXX XXXX XXXX Following my wifes passing in XXXX, I chose to do the right thing and remove her as an authorized person from our safe deposit box at the XXXX XXXX XXXX XXXX. At the same time, I added my son and stepson as authorized to access the safe deposit box. I was told at that time ; we would have to create a whole new physical box versus just some paperwork. No problem, I chose the same size box, at the same branch location, in the same vault.
I was told at the time that there would be a charge, however dismissed the statement believing Regions certainly wouldnt charge me twice in two months for the annual fee for the same size box. Well, they did. Please see attached ledger from my XXXX file and please, verify it against your own records.
As you review not only will you see I have been charged twice in the span of two months for the same product/service but to add insult to injury, the amounts are differentfor the same size box since XXXX
I am fine with either {$38.00} or {$57.00} but not both and from XXXX the three annual fees should be the same. I did speak with XXXX at the branch and said I did not understand the policy explanation which did not make any common sense to me. I further asked who I could appeal this to, and the answer was no one. I dont blame XXXX XXXX She doesnt seem to have the span of control or latitude to independently create a recovery opportunity from a bad customer service experience. This is small potatoes, XXXX XXXX, but highlights the need for expanded flexibility and authority while at the same time respecting policy and governance.
Please dont delegate this to someone that is going to call me with another mumbo jumbo policy explanation. I dont have the time or patience for that and will just find another bank to do business with going forward.
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| 10/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Late or other fees
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Web |
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On Friday, XX/XX/XXXX, I noticed that I was charged a monthly fee of $ XXXX since XX/XX/2022 for a total of {$160.00}. I went to the branch office at XXXX XXXX XXXX XXXX, XXXX, TX XXXX on the same day and spoke with a Regions Bank teller with regards to the fees. I asked for her help if she could waive the fees as I didn't know that Regions Bank charged me $ XXXX without notifying me through email or via mail. The teller told me that she couldn't waive the fees and advised me to contact a customer service at XXXX.
Today, XX/XX/XXXX, I called Regions Bank customer service and explained to her my situation that I was charged a monthly fee of $ XXXX with a total of {$160.00} since XX/XX/2022 or for 21 months. I spoke with the supervisor and asked her if she could waive all the fees as I didn't know that Regions Bank kept on charging me $ XXXX fees. She mentioned that my account was inactive as I never used my account and my statement was changed from monthly to quarterly. I never received notification from the bank for all of the information that she mentioned. She said she could only waive up to 3 month-fee, with a total of {$24.00}. I asked her if she could waive all the fees ( {$160.00} ) as I never received any bank statements or notifications from the bank either by email or mail and was not aware of the fees. She said she'd like to help me but her system would not allow her to waive beyond 3 month-fees.
In light of this, I filed a complaint and asked for all fees ( {$160.00} ) to be refunded to my account as Regions bank never sent me any notifications, statements or account inactivity as a good faith to notify their customers so their customers can take an action immediately to prevent all the fees. I am not willing to pay for {$160.00} fees that could be prevented to begin with and please refund all the fees ( {$160.00} ) that have been charged to my account for 21 months.
I appreciate your help to this matter.
Sincerely, XXXX XXXX
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| 01/09/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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This matter relates to a checking account ( XXXX XXXX XXXX XXXX XXXX XXXX acct. # : XXXX ) we opened to manage HOA funds after my two partners and I commenced construction of the subdivision. Last year, as we approached 75 % of homes sold, we entered into a contract with a Property Management company to handle HOA matters, which also included them creating a new ( XXXX XXXX XXXX ) bank account for HOA funds. We wrote a check to transfer a large portion of the funds from the Regions account to the management company to place in their XXXX XXXX XXXX account, reserving around $ 6K+ in the Regions account while we continued pursuing a matter with the new HOA board regarding monies owed to our entity they were disputing, hoping that the monies being held in reserve would provide us some leverage in resolving the dispute.
Well, as we discovered just recently, the Regions account was closed and funds apprehended without our knowledge. I have had both verbal, and subsequently email dialogue with the local branch manager ( XXXX XXXX ), requesting a detailed explanation of how one of the new HOA board members ( and reportedly a former Regions employee ) was able to close this account when my two partners and I were the only three signatories on the account. It took weeks to receive a response, and then when we did, it essentially stated that the HOA acted within the parameters of their agreement with the property management company and any further inquiry needed to be directed to one of them. I replied back that we feel this is a bank matter, not an HOA matter and are still seeking explanation on how Regions could allow an account to be closed without any of the authorized signatories involved. That followup request has gone unanswered, so our next step is to make this complaint and inquiry as we feel banking laws may have been broken. If this matter is more appropriately brought to another governing agency, please advise of such so we can redirect.
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| 05/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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On XX/XX/XXXX two transactions {$1000.00} and {$500.00} was debited against my checking account using myXX/XX/XXXX account and sent to two XX/XX/XXXX merchants : ( XXXX XXXX*XXXX, recipient email address : XXXX ) & "XX/XX/XXXX). I had XX/XX/XXXX loaded on my then XXXX XXXX XX/XX/XXXXand it was linked to my Regions debit card on file at the time and in my dispute with my bank I explained that my XXXX XXXX was stolen. As I explained to Regions bank that My XX/XX/XXXX was hacked into using my stolen XXXX XXXX XX/XX/XXXXand transferred funds to the above mentioned XX/XX/XXXX merchants unauthorized by me. To further explain, on XXXX XXXX my purse containing Region debit cards, XXXX XXXX card & other Bank debit cards, cell phone XXXX XXXX, other credit cards along with my XX/XX/XXXX XXXX XXXX was stolen XX/XX/. I had to get a new phone on XX/XX/XXXX, an XX/XX/XXXX XXXX due to my XX/XX/XXXXXXXX plus was stolen. Also on XX/XX/, I received a Text message from Regions Bank stating '' asking if I authorize " XX/XX/XXXXw/ Regions Debit Card #??? & I responded in text stating " NO '' and with all that they still say I authorized these transactions.
On XX/XX/2022 the XXXX police department was dispatched & upon arrival on scene, a police report was filled, report # XXXX, XXXX XXXX XXXX was assigned to case. On Saturday XXXX XXXX, I went early to local Regions bank & spoke to bank representative explaining my situation of checks, debit, Visa cards being stolen and she started the process of closing my then checking account and opened a new checking account and issued me a new regions debit card. I have disputed these transactions XXXX XXXX thru the XXXX XXXX department and stated that I did not authorize these two transactions of {$1000.00} & {$500.00} and I am not satisfied with their resolution of stating " Our review found that the transactions appears to have been authorized. '' I have several supporting documents to provide to support his claim.
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| 07/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Servicemember |
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In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas. The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60 days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. 120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.
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| 03/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Regions Bank as the habit of going back on policies described as ways to either prevent one 's account from receiving overdraft fees or reimbursement for fees imposed and the given excuse is always processing. Example one : regions ' policy is that if you have a negative balance at the start of business, usually XXXX, and if by the close of business ( XXXX pm ) you have brought your account to a positive status you would be able to avoid transactional overdraft fees of {$36.00} per, for overdraft transactions posted to your account. However, you may bring your account to a positive status by the close of business for the transactions " posted '' to your account but then while processing transactions overnight you may still wake up to a nsf fee imposed for any additional transactions that was posted overnight that was not visible to you. My argument to them would be that I brought my account to a positive status before XXXX, they would acknowledge this but then say that a merchant presented a debit that was processed overnight. I would argue that this was not visible to me thereby denying me the time to cover it and that that transaction should be forwarded to the next business day since it didn't make it to the close of business by XXXX and I have no way of knowing or covering what is posted overnight. Example two : if I wanted to stop or revoke an ach payment authorization while it's still pending to my account I'm unable to, I have to wait 'til it's posted before I can do either even though I know I will be overdrawn because I have several transactions that will be automatically drafted that will overdraw my account and I would receive a fee for each transaction but they tout that each transactional fee will be refunded after the request is submitted. They do not abide by their own policy and have not and will not refund me nsf fees in the amount of {$100.00} dollars for a payment authorization revocation I submitted on XX/XX/2025.
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| 04/27/2022 |
Yes |
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Web |
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In XX/XX/XXXX, I began the home buying process. On XX/XX/XXXX, I was informed by the loan officer that everything was clear, and we were set to close on XX/XX/XXXX, on the house I had been living in ( lease-purchasing agreement ) since XX/XX/XXXX. Also, I received my closing disclosure prior to closing and was informed of my mortgage. On XX/XX/XXXX, as I was getting dressed to go to closing, I received a phone call an hour before closing and was informed by the loan officer that the closing time would be pushed back to the afternoon. Later, I was informed that the date would change because the old underwriter was out of town and the new underwriter wanted to talk to the old underwriter. An email was sent to all real estate agents involved that the date would be moved to next week due to an internal error ( Regions XXXX fault ) and NOT the buyer 's fault. I informed the loan officer that this would not work, we were going to be put out and would not have a place to stay if we did not close on today and I had been telling him that throughout the home buying process. Due to the closing date change, the seller was able to get out of the contract and the seller did not show up for closing on XX/XX/XXXX, because ( per seller ) she can now get more money for her house since Regions didn't meet the closing contract date. My family and I received an eviction notice and the seller gave us 14-days to find housing. A family of XXXX had to move into a 2 bedroom/1 bath apartment because we had exhausted our monies, buying moving items, securing storage, paying deposits and etc. We were evicted from the home and lost the sale of the house we lived in for a year due to Regions XXXX Negligence. My children who are all XXXX were uprooted from their routine and everything was hard to readjust for them. My daughter had to cancel her XXXX birthday pool party, and losing housing caused a strain on the entire family unit and we had to seek counseling.
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| 12/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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I went into a Regions bank on or around XX/XX/2023 because I noticed some fraud on my account. My regions card was used fraudulently at XXXX online and I needed to dispute the charge and pick up a new card. While I was at the XXXX XXXX XXXX, XXXX Ga location I was informed that I qualified for a {$50.00} overdraft protection plan and if I was to go overdraft Regions will pay it and I wont have to pay the {$36.00} overdraft fees. Ive paid Regions XXXX XXXX XXXX in overdraft fees and I was under the impression since Ive done so and have been with the company so long it would be like an I earned it type situation. Im in the process of moving and credit requirements are set to get the place. I notice my Credit dropped over XXXX points for this so called protection plan. When I called to better understand how a protection plan is affecting my credit like this and WHY. they said it was a line of credit, which I was never told, and all I was paying was late fees. When I clicked on the account all it ever said I owe was {$10.00} like once a month and I paid it assuming it was a fee for having the protection plan, which also wasnt explained. I asked the lady what all I owed to be satisfactory and she first claimed I sent the {$50.00} from that account to my personal banking account which wasnt true so I asked her the date this happened she said back in XX/XX/2023. I didnt recall my bank going into overdraft because apparently the money automatically sends it there without any doing of my own and no type of notification that it was done. So at the end of it due to my desperate need to get my credit score up, I agreed to pay all dues. I was told it would be {$50.00} I paid. I went back on my account a few days later to see I owe them another {$16.00} plus XXXX everyday after the due date. I paid it but Im being taken advantage of at this point. I cant close this account because that would also report negatively on my account. Could you help?
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| 07/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account.
On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day.
Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful.
Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.
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| 04/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In XX/XX/XXXX I took out a loan with Regions Bank for the purchase of a personal vehicle. Over the course of the loan there has been a couple issues with payments not being applied correctly or in a timely manner.
On XX/XX/XXXX I submitted vehicle loan payment to Regions Bank for the amount of {$800.00}. Approximately one week later Regions Collections dept called and advised that they have not received payment and needed payment to be submitted at once to keep the account from going to collections. At this time I contacted my bank ( XXXX ) and received a proof of payment AND a copy of the check that was sent to Regions. This copy of the check was endorsed/signed. This info was provided to the collections department ( XXXX ) on XX/XX/XXXX. XXXX advised that she was going to have to escalate this issue and have it investigated by Regions. XXXX also advised that Regions would contact me and let me know the status of this issue. On XX/XX/XXXX I contacted the collections dept again and was told that they still did not have any resolution and I should speak to a supervisor. I was given the name of XXXX and spoke to him on Monday XX/XX/XXXX. He also advised that this was going to need to be investigated by the Region team and to call back on XX/XX/XXXX. At this time XX/XX/XXXX I also submitted a copy of the proof of payment and a copy of the endorsed check to XXXX. On XX/XX/XXXX I contacted XXXX regarding the issue with this account. He stated that Regions did look into the account even after reviewing the XXXX supplied Proof of Payment and copies of the check Regions will not apply the money to my account. Regions stated that it is up to me " XXXX '' to prove to Regions that the check has been cashed.
Regions has provided no assistance in correcting this issue other than advising me that they supposedly do not have they money and I need to prove to them that they have the money before they will apply the payment to my account.
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| 09/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
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Web |
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XXXXXXXX XXXX XXXX XXXX of XXXX I reached out to my mortgage lender via phone to inquire on the process to remove the PMI from my loan. After speaking with the customer service agent I decided to move forward. The representative read me some brief disclosures and processed a payment of {$190.00} to complete the submission of the PMI removal request.
XX/XX/XXXX XXXX the authorized person from the realty company came to my home to do the walk-thru inspection along with taking pictures for the review. XXXX XXXX the realtor reached out to me and asked about improvements and I sent her a list and approximate dates the same day.
A few days later I get a packet in the mail from Regions mortgage saying they denied my request to remove the PMI due to me being at 77 % LTV. I immediately called the mortgage company to understand if my current LTV is under 80 % what was the problem? She began to take me through details from the inception of the loan and not the current consideration of what was being asked. Finally she stated none of the improvements were included in the request when the realtor submitted. It was suggested to open up an appeal and submit the information there on the site.
The same or next day I submitted the documentation of improvements w/approximate dates and value based on a sheet the mortgage company provided on their website. A few days later I get a voicemail saying I need to submit a statement about the appeal, so I then provided that. A month later I get another denial ( paraphrasing ) saying the information was already included in the initial request.
Please also consider when I submitted my request to remove the PMI none of the disclosures read to me stated the minimum LTV had to be at 75 % or less if your mortgage loan is XXXX XXXX XXXX. Had this information been stated or read to me I would not have given Regions Mortgage {$190.00} as it would not have been a reasonable or viable option for me.
|
| 09/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
There are 2 issues that I have discovered.
Issue # XXXX. I did 3 internal transfers from one account to another for a large enough amount to cover charges that were made that day. At least 2, if not all 3 of the transfers were done before their XXXXXXXX XXXX cutoff. The first 2 were enough to cover all pending charges. The third was just to add a " padding '' until a regular deposit would be made on the next day. The next day, I saw 2 overdraft fees had been charged even though the balance was more than enough to cover all the transactions and the 3 transfers made the day before had posted that same night, proving they were made before the XXXXXXXX XXXX cutoff. When I contacted the bank, I was told that those last 2 charges were made when there were not enough funds in the account to cover them and that's why the overdraft was charged, that they were " pending '' and there were insufficient funds, so the overdraft fees were charged. I questioned them and advised that ( XXXX ) they can not charge overdraft charges on an amount that has not actually posted, and ( XXXX ) due to the internal transfers, that were also pending, and posted the same night, there were enough funds to cover the transactions. After dealing with 3 reps and 2 supervisors, I FINALLY got my XXXX refunded. The first 2 reps and supervisor could not ( would not ) get that what happened was wrong.
Issue # XXXX - There was no overdraft based on my own charges. What cleared the night of the XXXX left me with a positive balance. Yes, there were pending transactions, but again, they were PENDING. They charged a {$36.00} overdraft fee when the balance in the account was positive and THEY caused it to go into overdraft with their fee. When I questioned it, they wouldn't even entertain refunding that to me as well. I have NO clue why, other than they were trying to charge a fee due to a pending transaction that ended up not even posting until the NEXT night.
|
| 03/28/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American |
|
On XX/XX/2019, at XXXX XXXX I sent {$850.00} on behalf of my neighbor from Regions Bank through XXXX to a scam web site to purchase a dog. I received a confirmation that the money was sent from both XXXX and Regions Bank in XXXX, Al. The next day my neighbor ( XXXX XXXX ) called to tell me it was a fraud because he had communicated with the seller ( " XXXX '', aka XXXX XXXX ) and they wanted another {$750.00} to provide an " air-conditioned '' shipping crate. At that point, I tried to contact XXXX which has no means for registering a complaint about fraud or a means to try to stop the ongoing perpetration of a fraud. They do have a " contact '' page but it doesn't handle complaints about fraud. The only email I got back from them stated, in essence, too bad, we don't guarantee purchases through XXXX ''. I then filed a report through the FTC, I3, and then attempted to file another report through the Regions Bank " online banking '' department. Regions told me the transaction hadn't " cleared '' but that I still couldn't cancel it even though I was alleging it was fraud.I filed a report with Officer XXXX of the XXXX County Sheriff 's Department ( # XXXX ), and went to the Regions Bank Branch I use at The XXXX XXXX XXXX near XXXX Al. They took the information and promised an " investigation '', and again told me if I sent the money it was out of their hands unless my bank account had been breached. If I allege a fraud has been committed, Regions or XXXX should have a system to stop payment to determine the facts. XXXX, in particular, should be forced by the Federal Reserve to have a method to try to catch fraud with input from the individual customers ( consumers ) of their service. The response shouldn't be " Tough, we told you not to send money to someone you don't know. '' They should be forced to try to stop fraud and to publish fraud losses on their web site compared to XXXX XXXX, and Credit Card Companies and banks.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I applied for a {$25000.00} cash loan with Region Bank on Tuesday, XX/XX/XXXX and was approved instantly by region system. I had been given an interest rate of 9.4 %, term of the loan and a monthly payment. I electronically sign the loan and was told to come in the next day or so to retrieve the money. The next day I received a call from the loan officer at the local branch located in XXXX, XXXX XXXX that an underwriter wanted me to submit recent check stubs and a copy of my W-2 forms. ( I really felt violated because the system had already verified this information and approved me ). So after violating my personal information and having me submit it to the local branch I was informed that I could have only {$14000.00} and I must use the {$14000.00} to pay off loans of their choosing. Therefore leaving me with nothing. To let it be known, I had a credit score of approximately XXXX and have always paid on time and have nothing derogatory on my credit. I feel as if this inquiry on my credit has a negative effect. Also I had to apply to another bank and receive a higher interest rate of 17.3 % and higher monthly payment. I was told that my interest rate was higher because I had just had Region inquiry which impacted my credit score significantly. I would like for the inquiry from Region to be removed from my credit report or give me the money I was approved for to pay off the higher percentage loan. Also, I feel discriminated and disrespected by this local branch in which I have known other races to receive loans and dont nearly have the credit worthiness I possess. It has been reported in this local town that XXXX information is shared throughout the banks as a form to keep them oppressed and prevent them from owning business. I tend to know this to be reasonable so from previous attempts to purchase property. I will appreciate any suggestions or assistance you can offer. My credit score is damage from this incident.
|
| 01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX and XXXX XXXX sold their condo in XX/XX/XXXX and paid off the mortgage balance in full. On XX/XX/XXXX, Regions, who had the mortgage and has XXXX and XXXX 's checking account with mortgage payment automatically drafted, took out the {$750.00} mortgage payment, even though there is no longer a mortgage, or a condo ( it was sold to someone else, who paid cash ). I called and emailed XXXX XXXX at the XXXX branch, who called and spoke to XXXX in the mortgage dept. First they wanted to mail a check - to the condo, where XXXX and XXXX no longer live - in two weeks. I insisted that was not acceptable, sent emails to Regions customer service, demanded to speak to a supervisor, asked to speak to their compliance dept ( said request was denied ). Finally, when I threatened to call CFPB, they put the money back in, and said they needed to find where it went so it would n't happen again. XXXX, a supervisor in XXXX, XXXX XXXX assured me it would not happen again. I asked for, and received, a letter stating the mortgage loan was paid in full. ( A Release of Lien document was not available yet. ) Now, fast forward to XX/XX/XXXX, and the {$750.00} was taken out again, after spending dozens of hours of my precious time in XX/XX/XXXX and getting an assurance this would not happen again. They are stealing XXXX and XXXX 's money. In addition, the letter states an escrow refund of {$13.00} is due, but apparently they mailed it to the condo that was sold to someone else, so that was never received either. I want Regions to forever stop stealing money to pay a mortgage that has already been paid off, refund the {$13.00} plus a {$100.00} service fee for the inconvenience back into the account ( direct deposit, not a check put in the mail to a bad address ), and I want them fined by the federal government for being dishonest and an absolute hellish nightmare to try and work with. I should not have to spend my time dealing with this.
|
| 06/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
RE : Regions Bank - Dispute Denied Fraud Claim # XXXX Acct Ending in XXXX NOTE : I HAND DELIVERED TO REGIONS BANK THE ATTACHED LETTER WITH ALL THE DOCUMENTATION ON XX/XX/2022. REGIONS HAS REOPENED THE CLAIM - TICKET # XXXX AND COMPLAINT TICKET # XXXX. WAITING FOR RESPONSE.
THE FOLLOWING ARE THE DETAILS REGARDING THE CLAIM : I received a letter ( see attached ) from Regions on XX/XX/2022 denying the refund of the following unauthorized charges to my account.
XX/XX/2022 XXXX XXXX, XXXX WA {$200.00} XX/XX/2022 XXXX, XXXX, OH {$450.00} XX/XX/2022 XXXX, XXXX, OH {$400.00} XX/XX/2022 XXXX XXXX, XXXX, WA {$64.00} Please note that the unauthorized charges to my account were notified to Regions by phone on XX/XX/2022. As per my discussion with the fraud department I did not lose my debit card or PIN and I live by myself, so it is obvious that my debit card has been cloned and used without my knowledge, since it would be impossible for me to be in different cities and states at the same time I was in XXXX XXXX, Louisiana, in which I reside.
I have also included the following receipts showing that I was in my home town when these unauthorized transactions/charges were made.
XX/XX/2022 XXXX, XXXX XXXX, LA {$9.00} XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX {$16.00} That should have been a red flag for the Regions Fraud Dept. to have shut the debit card down immediately.
Please note that I hand delivered the attached letter to Regions disputing the denial letter on Tues, XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, and I delivered a copy to the XXXX XXXX Police Department on Tues, XX/XX/2022 to Officer # XXXX ( filing a police report ).
I am hopeful that Regions will reconsider the denial and will do the right thing and reimburse me the monies for these unauthorized charges.
Thanks for your help in this matter.
Sincerely, XXXX XXXX XXXX
|
| 08/11/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.
|
| 09/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened a XXXX credit account with XXXX XXXX XXXX of XXXX. I was told for the first 90 days it was a trial run, there would be no late fees or credit reporting until the trail was finished of offer the best service by XXXX XXXX my personal AccXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX : ( XXXX ) XXXX. After the first 15 days I received a late charge {$75.00} after paying my bill on the day it was due. I call my rep and he ensured me it would be credited. After one week it was not credited, so I called customer service and was told that I would need to pay my bills 2 days early for it not to be late, and i must pay the late fee or i will be charged another late fee. I was then told it would be credited to my account because it was done in error but the system will not zero the account until payment is made. First red flag. So i paid the incorrect charge in XXXX. In XXXX I received a bill for XXXX, even though I had not use the card for weeks. I refused to pay and was told I would be charged a late fee if payment was not made. I refused and contacted XXXX and a supervisor on three-way both of them insure me the error would be correct, because it was put on my account in error. In XXXX of XXXX and XXXX of XXXX, XXXX reported late payments and negative history to XXXX XXXX and XXXX XXXX XXXX XXXX, all while correcting these inaccurate statement. After talking to several supervisors and my account specialist I was told to dispute the inaccuracy and it would be noted for the credit dept. and corrected. After two disputes in XXXX and XXXX XXXX XXXX has not correct these inaccurate reports. I need the help of XXXX get the XXXX XXXX XXXX XXXX to read the notes on my account and correct these inaccurate reports. It has already been documented by my account manager XXXX XXXX and a account supervisor that these reports were inaccurate. My account has since been assigned to XXXX XXXX.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have been trying to get someone to help me with the Banks in XXXXXXXX XXXX and identity theft. I have had problems with XXXX XXXX and XXXX XXXX XXXX bank and XXXX XXXX Bank and XXXX and XXXX XXXX XXXXXXXX and now XXXXXXXX XXXX Regions Bank .I have money missing again and it is becoming an increase problem because everyone is calling me for late payment because of stolen money from bank account. I also went to bank with the person who works for XXXX XXXX XXXX department Victims unit assistance. Instead of manager XXXX help she got security on the phone conference call she and manager didn't take the time to go over any of what was wrong they both kept saying it was correct and it is not correct. If it's correct why not show me and I show you what the problem is and I was already going over information with someone else in the office XXXXXXXX XXXX for two weeks with no results so I made a appointment with the Bank manager XXXX and XXXX is in Security. Both lied and said I left bank with XXXX but I didn't I left with XXXX I asked to see footage but they refuse. Then they kept asking me about the person from sheriff department who is she really to me like as if we were dating I had already explained to XXXX who she was with the police report and her XXXX victims assistance is XXXX XXXX ext XXXX XXXX. None of the debits match the credits and it doesn't add up to the amount of money I deposited in the account.And the Bank let someone cash out XXXX out of the account. I just got some money back from someone stealing my identity from XXXX XXXX Bank and someone breaking into apartment checks from XXXXXXXX XXXX insurance company which they sent check to library to be printed but it also looks like someone else printed a check also from library in XXXXXXXX SC. I printed checks from library in XXXX XXXX XXXX SC. Now almost the same amount is missing from account at Regions Bank plus my disability money
|
| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I have banked with Regions Bank for XXXX years. I lived in XXXX and moved to XXXX, Alabama. No one knew me at the XXXX XXXX XXXX in XXXX. I applied for a NOW card to load cash on. After i received the card they wanted a copy of my apartment lease. They called twice. I am XXXX. I took the lease to them. The young lady did not not know what to do with it. I could not understand why they needed this nor would they tell me why. Then they closed my checking account and sent me a checkThey claimed they closed it in XX/XX/XXXX. Not so. Transactions were still being processed. In XXXX they closed my account. My Social Security check direct deposited was not in my account. I went to the branch. That's when they said they sent me a letter with a check. I have a mailbox at the XXXX XXXX. All mail goes there. Regions had my physical address. Did they think i was a homeless person? Why ask for a copy of my lease? I receved money from covid relief based on hardship. I cashed the check at my credit union XXXX XXXX XXXX XXXX I put some cash in regions. Did they think i was a drug dealer? Depositing XXXX usds? I was told by XXXX to go to another branch. I did. The XXXX XXXX, Alabama Branch.They found the so called check for XXXX usds had not been cashed. They issued me another check. The XXXX XXXX XXXX never even offered to look into it. I went to the Social Security Office to trace where my monthly social security funds were. The Government representative traced it. The funds were still with Regions! I took the tracing number to them. They did not want to see it. I told them that they still had my funds based on what a Federal Agency said. They did not reply. Meanwhile, I had to call creditors that i had on autodraft and explain the problem. My credit score I'm sure went down. I am XXXX and XXXX since XXXX from the Federal Government. XXXX years banking with them. I have never experienced this in my life.
|
| 07/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
I was scammed..towards the end of the activity, when I realized what was happening..I shut down my computer, put a block on my account then called the bank and explained what had just happened and told them not to release the funds..They REFUSED! ... Said I would have to wait until after it posted ... then I ask Regions to put a block on my accounts to safeguard me and the bank from any more funds leaving the bank..
The next day informed the bank to unlock my accounts Now..Had scanned my pc for any lingering Malware.
After numerous calls, emails, being on hold for hours..disconnected multiple times, They said they would in fact do that, but they have not done so and have been giving me the run around daily..this does not begin to show the terrible frustration from being bounced around from dept. to dept., person to person..Informed them I had many automatic .. payments that would be coming out of my account..Throughout this entire process they were given all needed id verification from me.They assured me there would not be a problem ... but..the auto payments were not paid and I began to get notices.
They are going to ruin my credit by not solving my simple request ..their inefficient actions are unconscionable for a XXXX dollar company and to treat their customers so poorly..
This issue could have been resolved in one ten minute phone conversation..but I have yet to get access to my accounts..The pandemic is no excuse for not being able to solve a simple request timely..
There are many more details ... too many contacts for me to list..too many emails..too many disrupted phone calls. One hardship to overcome was the bank 's policy not to give out direct phone numbers to the correct departments.
It has been 11 days and I am still unable to access my accounts.
Their phone answering system extremely user unfriendly, inefficient, very slow, disconnected often..
Sincerely Mr.XXXX XXXX
|
| 10/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
On XX/XX/XXXX I received an eviction notice from XXXX XXXX XXXX due that, XXXX stated that my rental payment that was paid by me, XXXX XXXX, was returned by the bank. I then went to the bank to see what the issue was. I also took out the rental payment that was sitting in the account every since XX/XX/. I got a money order for {$620.00}. {$620.00} was for the rent ; the extra {$20.00} was due that someone stayed in the house past 2 weeks. Per the rental agreement. Two dollars for the transaction through XXXX XXXX center and {$2.00} for the money order.
If you take notice of the transactions below - the XXXX XXXX transaction of {$29.00} transacted on XX/XX/XXXX leaving the balance of {$620.00}, {$5.00} over what was due for rent on XX/XX/. This was in the account still on XX/XX/XXXX and left no basis for the return of the ACH that was transacted on XX/XX/2023 ( the rental payment ).
As you can see in the bank record above, on the prior page, the Social Security Check was made available to me on XX/XX/2023 in the amount of {$1200.00}. At this time my bank account was reflecting a positive status. I could not have made 6 transactions on XX/XX/XXXX & XXXX XXXX without that SS Check because that amount of money was not in the account prior to the SS Check. As you can see on the prior page, the SS Check has a credit date of XX/XX/. As you can see on this page, the Social Security Check has a credit date of XX/XX/2023, which is fraudulent in nature. This makes me think that either XXXX XXXX XXXX, has someone working for him in the bank doing illegal work, or Regions Bank has lost its mind. As you can see from the record above, the ACH payment - XXXX was returned on the XXXX when the account reflected a balance of {$620.00} from the XXXX up to the XXXX, at which I went into the bank to purchase a money order to pay the rent, after receiving the eviction notice.
Pleas see attached proofs
|
| 12/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I have been trying to contact Regions by phone, email, and mail. Requesting a good will adjustment regarding my late payments on account # numbers below.
XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : XXXX Account # XXXX XXXX XXXX : I have been customer since XXXX and during that time, I have enjoyed my experience with Regions Bank greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account XXXX from XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I also have a late payment on the above referenced account XXXX from XX/XX/XXXX and XX/XX/XXXX.
Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of finding gainful employment after the pandemic. During the pandemic, I did a great job of maintaining a good payment history with using funds from my savings. After depleted is when I started to have issues. I have reached out since I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports.
I have been a very happy customer in the past and hope to continue a long relationship with Regions Bank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Regions Bank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Regions Bank is head and shoulders above the rest. I look forward to your reply.
|
| 05/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX. This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 transactions.
|
| 06/17/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I was contacted by an individual who told me he was the IRS and that I had a warrant for my arrest and if I did not pay him money that I would immediately be arrested. He told me I was not allowed to contact a 3rd party about the issue or disconnect from the phone call we were on or I would be considered uncooperative. He then instructed me to go to the nearest XXXX and buy XXXX {$500.00} prepaid XXXX gift cards to pay to have my warrant lifted so that I may begin a payment plan for the nearly {$6000.00} that he said that I owed. He gave me a badge number as well as other professional sounding information. I ended up doing the first {$1000.00} in cash because he told me to go to the bank first. I did the other {$1000.00} on my Regions bank debit card. I finally got fed up when they said I had to pay the entire thing in full and told them I will just have to go to join because I do not have it which I did n't. I was very scared when this was happening. I hung up the phone and went immediately to get my boyfriend from work and told him about what had happened. He told me this had to be a scam so he told me to go to the Regions bank to have them put a stop payment on the {$1000.00} since I actually used my card.When I got there they told me I was the 3rd person this week alone that had came in with the exact same story. He said there was nothing that they could do. I then went to file a police report with the economic crime unit at out jail/ police station where they told me this is an ongoing scam and that it has been a very active one recently. They gave me instructions on what steps to take about my identity and to try to get back the money I lost. When I called the fraud agency they instructed me to file this complaint and that this was indeed something you guys could help me with due to the nature of the fraud. The economic crimes police report is # XXXX their contact n # is XXXX.
|
| 12/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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Regions Debit Card and Pin Number were stolen from me on XX/XX/XXXX around XXXX XXXX AM. The card was taken and used for over XXXX transactions across XXXX until around XXXX AM on XX/XX/XXXX. The debit card was immediately frozen around XXXX, while XXXX more attempted charges were denied.
I have been using Regions Bank for roughly XXXX years, and this is my first fraud claim incident. A list of the transactions are listed below as they were posted on XX/XX/XXXX : * XX/XX/XXXX Card Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( place of theft ) XX/XX/XXXX ATM XXXX Regions XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX Card Purchase XXXX House XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase Qt XXXX Outside XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX After finding out my debit card was used throughout the night, I drove to the Regions office to dispute the charges and get a new card. I filed a fraud dispute with Regions the morning ( XX/XX/XXXX ) the charges were posted ( and no longer pending ). It was declined after XXXX business days.
After filing a police report and reopening the claim, the claim was denied yet again. They refuse to look into their own ATM cameras to help my case and seem to be just pushing me along to deny me every XXXX days with no further investigation.
I have received fraud alerts ( or denied use ) for my own {$40.00} purchases, but not when a thief stole over {$2300.00} over the course of one night.
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| 12/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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The loan estimate issued XX/XX/2020 showed estimated closing costs of XXXX. The estimate calculation under calculating cash to close showed an adjustment and other credit of XXXX.
We questioned what this was with the loan officer, XXXX XXXX, at Regions Mortgage and he said that it was what the seller had to pay under the purchase agreement. We wanted to make sure the estimate of XXXX was accurate as we didnt want a surprise at closing of needing more money to close.
On XX/XX/2020 we were issued a Closing Disclosure showing closing costs of XXXX which was substantially higher than the estimate. Under calculating cash to close the XXXX adjustment and other credit wasnt listed under final nor was it listed as under loan estimate even though it was on the loan estimate.
We questioned this with the loan officer and his Manager, XXXX XXXX, VP Mortgage Production Manager and was told it would be corrected prior to the closing on XX/XX/2020 and that the closing costs would be lower.
On XX/XX/2020 we were issued another Closing disclosure that showed closing costs at XXXX which was substantially lower than the estimate. It was showing the sellers paying almost everything. This didnt make sense to us and we consulted with my father who is an attorney. The purchase agreement had the sellers paying minimal amount at closing. Again this disclosure didnt address the XXXX.
We were then issued another Closing Disclosure on XX/XX/2020 that listed closing costs at XXXX and didnt again address the XXXX. It was never listed on the closing disclosure as a discrepancy to show why the closing costs were raising as it should have been. Our closing costs was XXXX over our estimate. We believe that if the Bank had correctly filled out the disclosure it would have had to offer a higher offset due to being over the legal limit that would have resulted in less costs to us over our loan estimate.
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| 05/02/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.
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| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Our Regions Bank accounts were emptied by an unauthorized user beginning about XXXX XX/XX/2023 until we were obligated to close all our accounts at Region in XX/XX/2023. We believe that unauthorized person ( s ) were able to request and receive an ATM card without our knowledge or permission.
Withdrawals were made that were out of character for the account by person ( s ) making maximum daily withdraws at Regions ATM machine XXXX miles away from where we live between XXXX XXXX XX/XX/2023. We went into the bank to report suspicious activity on our accounts- and the thefts continued despite our asking for a freeze and red flag any account activity! Several XXXX more was withdrawn after we alerted the bank to the fraudulent withdrawals.
We have disputed these withdrawals and particularly demand to know who and how the request for the ATM was made with Regions Bank. We have provided the bank with all the evidence we can that we are victims of a crime of theft from our accounts for {$6900.00}.
We provided Regions Bank with public information regarding the release of confidential banking information from Regions employee that impacted a large number of account holders in the area where our funds were illegally withdrawn. Regions, despite that evidence, denied our appeal.
After 3 appeals to Regions Bank internal investigation, we continue to be denied a claim as they report the withdrawals were authorized. We have filed the necessary reports with our local Sheriff 's office and we forwarded that report to Regions Bank. A copy of the Victim 's Report from our Sheriff 's office has been forwarded to the area where the actual thefts occurred in XXXX XXXX FL. This Sheriff 's report will be forwarded to Regions Bank once it is assigned a case number and published.
We are seeking any kind of external support to investigate our claims of fraud and seek to have our funds returned.
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| 11/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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XX/XX/2022 TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Claim ID # XXXX Card Ending XXXX Attn : CFPB I received a notice from my Regions Bank, disputing certain transactions. Based on their investigation, they determined not to credit any of the fraudulent transactions.
I received my XXXX check early for the month of XXXX, which was on XX/XX/2022. I called the automated banking system and realized my check was short by {$200.00}. On XX/XX/2022, I went to the ATM and withdrew {$600.00} as I do every month. My budget does include {$300.00} on a monthly basis for website use. On XX/XX/2022, I again called the automated banking system, and my balance was negative {$1900.00}, I immediately called the Regions Fraud Department. They conducted their own investigation, and informed me that I made all of the charges, which I did not. I talked to Regions Fraud Department multiple times, and some of the conversations were of a negative response, and was disconnected.
I received my XXXX check on XX/XX/2022. Regions Bank records show from XX/XX/2022, thru XX/XX/2022, showed charges of {$630.00}. My website usage was {$150.00}. The balance of {$470.00} were fraudulent charges.
I received my XXXX check on XX/XX/2022 for the month of XXXX. I called the automated banking system for my balance. This check was for {$1000.00}, which was {$200.00} less than expected. I went to the ATM and withdrew {$600.00} as I do every month. I spent {$280.00} on the website, as XXXX budget {$300.00} for this expense.
My documentation shows for XX/XX/2022, {$470.00} fraudulent charges. For the month of XX/XX/2022, {$1400.00} fraudulent charges. For the total of the two months, I was scammed {$1800.00}, which is close to the {$1900.00} Regions says I owe.
Please conduct your own investigation into this matter.
Sincerely, XXXX XXXX XXXX ) XXXX XXXX XXXX
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| 06/30/2016 |
Yes |
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- Settlement process and costs
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Web |
Older American |
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We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.
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| 01/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I set up automatic {$400.00} payments every two weeks to my landlord through regions bank who was using a 3rd party called XXXX to transfer the funds. I then received a large sum of money from my company to move to a new city for a relocation package and I set up a new automated payments for my new landlord. Well as soon as I did that regions locked me out of my account and prompted me to call the XXXX number. I called them and they told me I would have to go into my bank to gain access to my account. I live 5 hours from a Regions bank so I could not do this. They also cancelled the automatic {$400.00} payments which was fine because I moved anyways and paid my landlord with a money order for the last payment.
I was also still able to use my debit card just can not see access my account online.
I was finally able to go home for the holidays and stop by a regions bank. Apparently my account was marked for fraud and thats why I was locked out. Even though no fraud was done. The lady at the bank had to call an internal fraud hotline. After being on hold for an hour she said I could go and she could conference me in the next day, several days after this, and trips made to the bank by my grandparents on my behalf I was able to gain access to my account.
Well even though for 2 months regions stopped the {$400.00} payments to my previous landlord. Guess what the first thing they do is? TAKE {$400.00} out of my account!!!
Called regions immediately and of course they are saying they are opening a case that can take 5-7 business days!!! But now they are not using XXXX anymore its a new company called XXXX. I told them I never authorized XXXX to take money out of my account and the customer service rep told me they notified customers they where switching to XXXX by their website once you logged in on XX/XX/XXXX. When I did not even have access to my bank account.
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| 04/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ).
I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment.
Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap.
By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers.
CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.
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| 02/28/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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Regions Bank, at their XXXX XXXX branch in XXXX AL. This started on the date of XX/XX/XXXX.
Their ATM outside their building facing the XXXX malfunctioned and when I was making a deposit for the amount of {$600.00}, it came up with an error through the transaction and gave back a {$1.00}. The dollar got stuck in the machine and the ATM malfunctioned and gave me an error, took all of my cash and gave no receipt.
I went the the branch the next day, and filed a dispute. They gave a credit of the {$600.00} back, and said they had to wait for the trucks to collect the money in the machine. Theyve mentioned the trucks come every week. And fast forward to XX/XX/XXXX when they took back the credit theyve gave me. And said my deposit was only {$180.00}. So I had to pay back {$420.00}! I filed another deposit and it was instantly denied. The XXXX XXXX inside the branch could not help me, due to him apparently not having access to the machine. I sold a computer on the XXXX in the parking lot across the branch, and I have messages to prove I met someone in the parking lot to prove it was indeed the {$600.00}. I requested them to check the security cameras and they denied my request, due to the fact they claimed it would not help my case. I told XXXX that you can tell the difference between a stack of {$20.00} in the form of {$600.00} vs the stack of {$20.00} in the form of {$180.00}. Because it would be a bigger stack. They still claimed they couldnt check the cameras unless i had law enforcement. They also claimed if I had a receipt it would be a different case. But their machine did not provide one. The same thing that happened to me, happened to my mother this month as in XXXX. The stopped providing responses. I have all the proof they want but they wont take it. I just wanted them to check the cameras and see that I indeed had a stack of {$20.00} in the form of {$600.00}.
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| 05/14/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I referred XXXX XXXX business account to Regions from my business referral account, and she recently received her {$150.00} incentive as part of the Regions referral program. I never received mine ( while I was the one who referred her business from mine ), and over the last few months, Ive contacted Regions technical support multiple times since the account wouldnt even let me log in to the referral portal. The error message has reflected either Login Failed or Connection Unsuccessful. Login failed. In XX/XX/XXXX, I was given the ticket number XXXX. Ive spoken to at least 10 representatives about this issue, have spent hours on the phone, and I even went in branch and followed up with emails to XXXX XXXX and XXXX XXXX ( XXXX branch ) neither of whom replied to a single email I sent. Everyone insists the issue will be resolved and then absolutely nothing happens. I also never got the incentive for person who referred my business account ( and neither did they ).
Talked to XXXX on XX/XX/XXXX ( dialed XXXX ), and shes submitting a request to the marketing team to look into why I didnt receive the one for XXXX. She couldnt explain why XXXX wouldve gotten mailed out while mine didnt, and said she could see where all requirements were met. She also said the marketing ticket number can not be provided. XXXX said she would contact me by email. I obviously have no trust or faith that this will happen given Ive been transferred to many departments and have spoken to so many reps all of whom have not provided any resolutions over the last few months. Its extremely disappointing that shes saying a technicality prevents the incentive for XXXX referral of my business when there were technical issues setting up the account due to them combining personal and business accounts with the same login. They even made me update my login credentials after opening the account.
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| 08/30/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2018 Regions Bank paid an {$1800.00} check written on another persons checking account from mine. I discovered this on XX/XX/XXXX and called the bank. I was told that I would have to visit the branch in order to resolve the matter. I did that the following day ( XX/XX/18 ), filed a formal complaint, and was told that I should here from someone in a few days. As of today, I have heard nothing back. However, the funds were put back into my account by the next day. Fortunately, I had deposited money in my account just days prior that allowed the matter not to cause me a catastrophe.
Not only was the account number on the check not mine nor was the routing number even similar. Not to mention the differences in the account holder ( s ) names and address. Even different states.
Had this happened to my mother or sister it would have destroyed them. Neither of them have internet, meaning no PC banking, so they would not have even known until receiving their bank statement in the mail. Additionally, my sister does not drive and has medical issues so having to attend a branch would have been very difficult for her.
If this has happened to me, I am willing to bet the same has happened to other customers. This could cause so very many issues, including very long lasting negative effects to a credit report. For anyone that has had incorrect or fraudulent information on their credit report knows how very difficult and time consuming it is to correct.
I am attaching a copy of the other persons check and the Regions complaint ( to which I have still heard nothing. Not even a phone call to say they are investigating and will get back to me ).
Because I have a copy of the check that is included with my online account I also have that customers address, phone number, and checking account number. Thank goodness I am not the type person to steal from another.
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| 10/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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Last month on between XXXX XXXX XXXX, I just know it was the last XXXX of the month because I got paid that day. My phone was stolen and unfortunately I did not have a passcode on my phone during this time because my phone has never been out of my sight until that day. My debit card ( from regions ) is linked to my XXXX XXXX or XXXX XXXX. Although, I was unable to get my phone back, later in the day, I was able to use my sisters phone to log into my XXXX and once I did, I noticed that I had several transactions appear from XXXX XXXX. The person who stole my phone sent numerous transactions totaling {$420.00} to an email that I have never seen or interacted with and when I XXXX the email, it was obvious that the email was fraudulent. Upon learning on what was going on I contacted Regions to dispute a transaction and I got met with call back on Tuesday until it shows up in your account. I called the following Tuesday and explained what was happening and how I had to cancel my debit card, how XXXX XXXX blocked any further transactions, etc. After this conversation I was refunded the money ( not really because I was charged overdraft fees and to unauthorized transactions being made ). I thought the issue was resolved but apparently, they were still investing and I didnt have any money in my account and they took the {$420.00} back because it said I authorized it but I literally explained to them how XXXX XXXX works and how my phone was stolen and they didnt care. They said I needed to call back to the claim department to see if something can be done. I was not notified that the investigation was continuing. I have overdraft protection yet they still sent my account into the negatives because I owed them. I honestly have run out of options and they are making me look like a liar just because the transactions were approved by a simple double tap.
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| 02/06/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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This was the offer I was supposed to get : Get a {$50.00} or {$150.00} Visa Reward Card* After you open a NEW REGIONS checking account and fulfill all requirements of the offer!
Register Now XXXX XXXX thought you might like to take advantage of this great opportunity with Regions Bank. After you complete all requirements of this offer, you will each receive a Visa Reward Card.
HERE 'S HOW TO EARN YOUR REWARD CARD : See Full Terms & Conditions Within 90 days of this communication : 1. Click here to complete and submit the required registration form and accept the Terms and Conditions of the offer 2. Open a new checking account with a Regions Visa CheckCard, and keep the new account open and in good standing for at least 60 days Then complete all of the following steps : For a Personal Checking account, within 60 days of account opening : Have at least one ACH direct deposit ( such as a recurring payroll or government benefit deposit ) of {$300.00} or more Complete at least 10 Visa CheckCard purchases that post to the account Sign up for Online Banking with Online Statements ( if you do not have a Social Security or Taxpayer ID number to enroll, visit a branch to see if you are eligible for other enrollment methods ) Get your {$50.00} Visa Reward Card in 46 weeks after all conditions have been met!
For a Business Checking account, make an initial deposit of at least {$500.00} within 90 days of this communication. Then, within 60 days of account opening : Complete one Visa Business CheckCard purchase that posts to the account Sign up for Online Banking with Online Statements ( a Social Security or Taxpayer ID number is required to enroll ) Get your {$150.00} Visa Reward Card in 46 weeks after all conditions have been met!
THEY CLAIM I FULFILLED THEIR REQUIREMENT BUT SAY THEY LOST MY REGISTRATION AD WILL NOT GIVE THE BONUS THEY OFFERED
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| 07/31/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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Dear Sir/Madam, I got my XXXX business credit card for its fuel program in XX/XX/XXXX, with Account # : XXXX and business Name : XXXX XXXX XXXX. The credit card 's spending limit is only {$200.00}.
Unlike other gas companies ' gas credit cards, such as XXXX XXXXXXXX XXXX, XXXX does not provide monthly auto-payment service to cardholders. If cardholders miss the monthly due date, XXXX charges {$75.00}, a very high late fee comparing with its very low credit line. Cardholders have to be very careful for making one-time only online payment by the due date to avoid the late fee. I phoned XXXX customer service to complain their lacking of auto-payment service, which is very important for cardholder to avoid late fee. However, XXXX still does not provide the important service.
I forgot to do the one-time online payment to my balance ( {$48.00} ) in XXXX ( statement attached ), XXXX charged {$75.00} late fee on my balance in XXXX ( statement attached ). I wrote online complain to XXXX on XX/XX/XXXX, who responded me an email ( attached ) on XX/XX/XXXX stating that I qualify for 50 % off the late, finance fee waiver. I wrote another online complain to XXXX to request a 100 % waiver of the late fee. XXXX responded me another email ( attached ) on XX/XX/XXXX stating that I am not eligible for a fee waiver. I phoned XXXX customer service to inquire the waiver on XX/XX/XXXX and XXXX. Eventually XXXX credited {$37.00}, 50 % of the late fee, to my balance on XX/XX/XXXX ( attached ).
Since the late fee charged to me is mainly XXXX 's failure to provide cardholders auto-payment service, I hope the CFPB could help have XXXX credit the other 50 % of the late fee to me, and help have XXXX provide auto-payment service to cardholders for avoiding the very high late fee in the future. Thank you so much for your kind help.
Best regards, XXXX XXXX XXXX
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| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have contacted Regions several times regarding the removal of PMI from my mortgage. Originally they told me after my Loan to Value reached 80 % or less, they would be able to remove PMI after 1 year from my loan origination. When I contacted them at my 1 year anniversary, they said that due to the pandemic, that the LTV requirement was reduced to 75 % or after 2 years since origination for 80 %. After my second year anniversary from origination, I called XX/XX/XXXX to prepare for my 2 year anniversary on XX/XX/XXXX. They then notified my that it was not the anniversary of the loan origination but from the date the first payment was made which was XX/XX/XXXX.
When I called on XX/XX/XXXX, they told me that XXXX XXXX had valued my house so low that my loan to value is 98 %. They refused to give me any information on the value, how it was obtained or what it is based on. This is highly unethical as their information disputes all past and current valuations. Furthermore, they are charging {$150.00} to order a new appraisal. It would suit Regions to make it as difficult as possible to remove PMI as those payments go directly to their profits.
They referred me to XXXX XXXX 's website for their guidelines but there are no guidelines I could find and no sources of their valuation. They then referred me to my original loan documents which would also not provide me with any information on their sources of valuation. Ultimately, they are not providing transparent process and information regarding my loan and creating barriers to removing unjustly fees that are no longer warranted. The representative I spoke with is named XXXX and he would not disclose the supervisor in which he consulted for his final answer.
I suggest a deeper internal investigation as I suspect several consumers are facing the same unethical obstacles to retain fee profits.
|
| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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I received a flyer in the mail stating that I could earn up to a {$500.00} bonus by registering on regions.com/offer using a personal code and by opening a personal lifegreen checking account. The flyer stated i would get {$400.00} for opening the account and an additional {$25.00} for completing 4 other activities with the account. Once complete, the bonus would be paid in 90 days.
-Download and log into the regions mobile app -Deposit one check -Set up regions direct deposit -Make 10 or more purchases on the check card The new account had to be opened prior to XX/XX/XXXX.
I went to regions.com/offer and entered the personal code and my email address. I also opened the account and completed 2 of the 4 additional activities prior to the end of XXXX. Here is where the problem arises. Apparently the mail man delivered this flyer to the wrong address. It was addressed to my neighbor. So in 90 days when I hadn't received my bonus, I brought the flyer into regions and asked why the bonus hadn't been paid. It was at this point that they saw the flyer that I received in my mailbox wasn't addressed to me. Therefore the bonus wouldn't be paid. This was the first time that I ever looked at who the flyer was addressed to. Here is my complaint though. I went on regions.com/offer. I typed in the personal code on the flyer. I typed in my email and I established an account with my name and address and social security number. Never once did the system say that i wouldn't be eligible for the bonus because my name didn't match the flyer. I would expect there to be some sort of notification saying that I wouldn't be eligible prior to 4 months after I opened the account and completed the activities. For this reason I believe I should be granted the bonus for establishing the account and completing the activities that I did. This would amount to {$450.00}.
|
| 06/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
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Today I was charged {$210.00} in overdraft fees on my checking account ending in XXXX at Regions Bank. Regions Bank is an XXXX Company with facilities in XXXX where I live. I had a {$75.00} ACH withdrawal from a financial services company go through yesterday along with a bunch of pending transactions from this weekend. Because the {$75.00} funds were taking out first I have been charged overdraft fees on a bunch of smaller transactions. I spoke with someone from Regions and they informed that it is Regions policy to take out larger amounts first and then smaller amounts. Their justification for this was that " we wan na make sure your bills get paid so we take out the larger amounts first. '' I am not sure that this is a defensible position. Regions had made an arbitrary decision on what order to process their transactions in. It seems to me that Regions should be processing pending transactions for low balance accounts in the order that results in the lowest amount of overdraft fees for their customers. But even if Regions does n't want to take that position, which would be most favorable to their customers, then the transactions should at least be processed in the order that they were made. Had all of the smaller transactions gone through first and then the XXXX XXXX debit, I would only have been charged XXXX overdraft fee. The Regions representative I spoke with informed that I am not eligible to have these funds refunded because I have already had a refund of overdraft fees on this account. I am not requesting a refund of ALL overdraft fees, I am just requesting that the transactions be posted to the account in the order in which they were made. This would result in me only being charged for XXXX overdraft fee. I have done some research and it appears that this process of " reordering '' is happening throughout the banking industry.
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| 06/04/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American, Servicemember |
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I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges.
I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges.
On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault!
Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.
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| 05/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for : 1. making 10 debi t card purchases by XXXX XXXX XXXX 2. enrolling in online statements by XXXX XXXX XXXX . 3. registering for the promotion using the referral code. I opened the account on XXXX / XXXX / XXXX following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on XXXX / XXXX / XXXX but then unenrolled the same day. I did receive a paper statement in XXXX . I sent a secure message via my online account to inquire about this on XXXX / XXXX / XXXX . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened ( XXXX XXXX XXXX XXXX , GA XXXX ) could override the decision. I first spoke, then emailed XXXX XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative ( XXXX ) contact the branch manager on my behalf. The branch manager, XXXX XXXX , would not override the decision.
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| 09/02/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Servicemember |
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XXXX XXXX, XXXX To Whom This May Concern : On today, I attempted to pay my bills with both of my personal and business debit cards and found that both of my Regions debit cards were closed. Of course, I was shocked to say the least. Having savings and checking accounts is an indispensable part of anyone 's financial stability. I have been a loyal and long-standing customer with Regions since XX/XX/XXXX. I have never been a financial liability with Regions. So I am not understanding why my cards have been closed and why I am being threatened with closure of my checking accounts.
I want answers and I want my cards re-issued so I can pay my bills. I have always paid my bills in a timely manner.
The actions by Regions is causing me harm and hampering my ability to pay my bills.
Regions closing of my accounts and business relationship is affecting me getting accounts with other banking institutions.
In XXXX XXXX, someone stole my Business Account Debit card and attempted to use it at an ATM machine in XXXX Georgia. Regions sent my card to the wrong address. The address listed on my Regions account was changed by an employee. The apartment number was removed from my Regions Bank information. I reported this to Regions customer service but nothing was done about it. I applied for a credit card and was granted it and was told by the Regions employee that took the application that the card would be sent to the bank. I called Regions Credit Card department on tonight and they said the card was not sent to the bank but the wrong address that is listed on my Regions account. This is the same address where someone gained accessed to my debit card in XXXX XXXX.
I hope Regions Bank will rectify this problem. Regions have approved me for a mortgage and credit card and this is where I have done business for the last 22 years.
XXXX XXXX XXXX
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| 04/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XXXX at around XXXX XXXX $ of fraudulent debit transactions hit my husband 's and I 's joint checking account in XXXX separate individual charges ( a XXXX $ charge associated with XXXX XXXX, a XXXX $ charge associated with XXXX XXXX and a XXXX $ charge associated with XXXX XXXX ) associated with my debit card. All of these charges happened about XXXX minutes of each other including further attempted charges that Regions fraud prevention finally stopped. We immediately notified Regions of these fraudulent transactions and requested a new debit card and for the current debit card to be permanently removed from our account within XXXX minutes of this taking place. We were notified by Regions that we could not dispute these transactions until they posted to our account though. On XXXX the charges posted to our checking account, and we disputed them with Regions. Regions refunded us all XXXX $ dollars of fraudulent charges on XXXX and XXXX. On XXXX we received a letter from Regions dated XXXX stating that XXXX of the fraudulent charges would be charged back to our account ( the XXXX $ and XXXX $ XXXXXXXX XXXX charges ) on XXXX. It is important to note that to my knowledge I never had an XXXXXXXX XXXX account and upon requesting statements from this XXXXXXXX XXXX account they show XXXX $ monthly totals and an inactive account from XXXX till the date of this incident. My husband and I have since reported this to local law enforcement and completed a police report regarding identity theft. Regions is now not cooperating with our requests for documentation showing the further charges that were attempted on our account on XXXX that did not go through and were blocked by regions fraud prevention. Regions is also attempting to charge XXXX $ of charges to our account on XXXX which we did not authorize and immediately reported as fraudulent.
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| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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The processing order in which Regions Bank chooses to process transactions causes the members excessive overdraft fees.
I was charged six XXXX overdraft fees for one transaction that put my account in the negative.
Regions is stating that there were 5 transactions pending when the actual transaction was completed that caused the account to go into the negative. I am not disputing one XXXX fee however I am disputing the five additional NSF fees, as my account did not truly have NSF, as all of the transactions had already cleared my account at the time of the one XXXX XXXX XXXX that caused my account to be overdrawn.
Regionsprocessing order of transactions is not timely and there systems do not reflect pending transactions causing excessive overdraft fees. This is a known problem with Regions and I was informed that a new process was being put in place due to customer complaints.
My account is over dra
wn XXXX in NSF fees when only one trans action was made to cause the account to be with drawn. The total in my account today is negative XXXX. I made a XXXX XXXX XXXX on XX/XX/21 causing the acc
ount to be negative XXXX.
At the time of the XXXX the other 5 transactions that Regions is claiming caused additional NSF fees, were already clear in my account and paid out of my own balance. And that is reflected in the screenshots. All 5 transaction the bank is claiming were pending on XX/XX/21 already showed posted to my account. Furthermore the amounts of those transactions are not reflecting in the XXXX balance I owe outside of the XXXXs in overdraft fees. Meaning the bank never covered those charges due to my account being non sufficient.
I dont not understand how I can be charged 5 nsf fees when the account was not non sufficient.
Please help. I can not afford these fees and I do not owe the additional five fees.
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| 03/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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A wire transfer was sent to an account at Regions Bank and the money was either released to that account or withheld and not returned back to the sender. The bank account name on the wire transfer did not match the name on the account at Regions Bank. Regions Bank is not returning the money and not communicating with the sender or sending financial institution.
On Tuesday, XX/XX/XXXX at XXXX, I sent a wire transfer for the amount of {$24000.00} to an account under the name of XXXX XXXXXXXX XXXX at Regions Bank .
On Friday, XX/XX/XXXX, I received a phone call from my bank notifying me that the beneficiary name listed on the wire transfer ( XXXX XXXX XXXX ) did not match with the name of account at Regions Bank. Regions Bank requested me to sign a Hold Harmless form IF the funds were fraud.
On Friday, XX/XX/XXXX, my bank requested that the money be returned back to me from Regions Bank so that I may re-send wire transfer with the correct information.
On Monday, XX/XX/XXXX, I was contacted by the recipient of the wire transfer via email that they received the money and withdrew a portion of it to use. Regions Bank did not confirm with me or my bank the correct name on the account receiving the money.
On XX/XX/XXXX, Regions Bank requested that I sign a Hold Harmless form again although we had requested the money be returned back to me multiple times.
On Tuesday, XX/XX/XXXX, my bank informed me that Regions Bank had not returned the {$24000.00}.
On XX/XX/XXXX, Regions Bank requests a Hold Harmless form again from me.
On XX/XX/XXXX, my bank replies to Regions Bank that the funds are not fraudulent and that I will not sign a Hold Harmless. They also state that the wire should be returned if the information does not match Regions Bank 's records.
XX/XX/XXXX, the money has still not been returned after multiple requests.
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| 11/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
Older American, Servicemember |
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On XX/XX/2020 I balanced my check book with my bank statement at Regions Bank. I subtracted multiple automatic drafts from the balance all due to be withdrawn on the first of the month. I then paid several bills and had a {$97.00} balance. On the XXXX of the month an unexpected draft was pulled as the annual renewal for my web page. It was {$96.00} and I was naturally concerned but according to transaction register had {$1.00} remaining. However, I checked my mobile account and noted a {$14.00} negative balance. I called the Regions national number and spoke with an associate named XXXX asking if NSF OD fee could be avoided by deposit to cover that amount since my payroll check would be in XX/XX/2020. She assured me there would be no overdraft fee. However, XX/XX/2020 I found a {$36.00} nonsufficient funds charge. I pulled up account activity report and it appeared that the {$14.00} overdraft resulted from the overdraft fee itself. I called the main number for Regions national and waited 32 minutes without speaking to anyone. I then called local bank and spoke with an associate and the manager, who said that the report just " looked funny '' and that they wished it looked different but the overdraft fee would stand. I then rebalanced the XXXX statement and rechecked my XXXX math twice and could find no reason for the overdraft. I then called the national Regions number again and was advised that the overdraft was charged because of " pending '' drafts on my account and that Regions was not at fault in any way but that XXXX ( an XX/XX/2020 charge ) and XXXX ( routine monthly transactions coming sometime at the first of each month were at fault because they had not " finalized '' these pending transactions. It appears to me that Regions may be " batching '' charges in such a way as to precipitate an apparent overdraft situation.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I applied and was approved for the Speedway Mastercard by Fleetcor for my XXXX XXXX XXXX XXXX in early XXXX of XXXX. This card was a gas AND maintenance card. From the time I was approved there were nothing but problems. First I was sent Gas only cards. Then I was sent several Gas & Maintenance cards, but they never worked for anything but gas. I called the first time I tried to use the card at XXXX for an oil change, but it would not go through. I spent over two hours on the phone with them including with their corporate office trying to fix the problem until I finally paid with another card. This happened repeatedly at XXXX and XXXX where I had to pay with another card for car maintenance items after attempting ( and failing ) to have the issue fixed on the phone on site with fFeetcor. I would email Fleetcor after each incident and told it was only to go to another store and have the card not work. So they have been well aware of the issue and have lied about fixing it.
After informing them of the laws stating that I did not have to pay the amount that was in dispute, I was greeted with childish behavior. I called and was told to call back to speak to people who didn't exist and was accused of being a liar when I repeated when I stated what I had been told on the previous phone calls and in emails.
Fleetcor has falsely reported this account to XXXX and XXXX. I contacted them before typing this complaint and my score is not where it should be ONLY due to this account 's incorrect reporting. I have disputed it twice, only for Fleetcor to " verify '' it, knowing that the amount they are reporting is in dispute and refusing to communicate with me to fix it.
I am not the only person Fleetcor has done this to, which is why they were sued by the Federal Trade Commission for this and other unfair or deceptive acts in XXXX.
|
| 09/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over again.
|
| 10/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable
|
| 06/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American |
|
I am asking for your help in reguards to a Paid off HELOC that matured on XXXX, it was a 20 year HELOC that had XXXX payments and XXXX final ballone payment to be made. I paid off the total balance in XXXX of 2023 about a month early. The product had a maturity date of XXXX. Till this date of XXXX i have not received my payoff or satisfaction of mortagage doccument. On XXXX i went to my insurance agent to ask for coverage changes and to have regions bank taken off policy, but agent told me that i needed my satisfaction of mortagage doccumentation. I then went to the branch and talked with XXXX about this doccumentation and asked him to please make contact with the banks office that handles this ite. XXXX the XXXX associate then said that they were not able to do this from the branch and the agent was ablt to make the changes i desired. I then went back to the XXXX agent telling him what XXXX had said and stated no XXXX we can not do like this, we need the satisfaction doccument. So as of XXXX i have no insurance coverage, again talked with my insurance agent about a another policy, but is costing around {$950.00} dollars more, see the company i was with for about 3 years was around {$2200.00} and new policy is around {$950.00} more. I have asked regions for a arbitrator as per there HELOC specs, but they have given me no answere at all. What they have pushed me into is not right. On around XXXX talked ato a Regions Rep. named XXXX who has been very helpful in trying to fix this. But at one time i was told that i had to request that the product be closed out. But two items one i had Regions sendine me 6 months prior every other month that HEOLC was maturing and need to be aware that a pay off was needed, so why didnt they close product out and send me my notice of satisfaction which as of to day have not received yet.
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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I have reached out to Regions many times since XX/XX/XXXX to request that my debit account be set up to decline any and all purchases or charges that would overdraft my account. The most recent of times was XX/XX/XXXX. This is because, as a student paying all of my own bills working as a server, I would like to ensure that funds are not unavailable and to know where my finances stand at the end of each day without having to wake up and see I've been charged an overdraft fee for some obscure charge, or something charged days ago. I reached out to them because I deposited some money on XX/XX/XXXX and was subsequently charged two {$36.00} overdraft fees. I reached out to their customer support to understand these charges and was not given a clear explanation on why these were charged when I did indeed have the funds in my account. But due to their gross negligence to my request that my debit account not approve any transactions that I do not have the funds for, I have been charged hundreds of dollars in the last week alone in overdraft fees. I am fed up with their abusive policies and refusal to set up my account to decline purchases. I do not want overdraft protection, I want them to decline completely. Seeing as it is my money, this should not be as hard as a request as it has been. I have been treated unfairly when I have asked for explicit assistance in managing my money. If they are the company I use to manage my money, how I choose for it to leave my account is my right. These last few months trying to have it set up in a way that I won't be paying extra has cost me hundreds if not thousands of dollars. I understand their policy, and have not officially disputed any fees they have charged, but have only requested that they change how my account approves charges, and each time I am met with the refusal to do so.
|
| 07/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
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On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
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On Friday XX/XX/XXXXXXXX, I went into an XXXX XXXX XXXX store to make a payment on my phone and internet bill which was {$260.00} ( XXXX for internet {$200.00} for phone ). On Monday XXXX XXXX, XXXX I noticed that my internet was charged twice on my bank account. I called XXXX XXXX XXXX and asked if they could refund the extra internet payment. They said they would. The next day I noticed my phone bill still had a delinquent balance. I checked my bank account and saw the payment posted as of that Monday. I called XXXX XXXX XXXX and they told me the payment for both my phone and internet bill was reversed/canceled. I told them that was not supposed to happen but once it post back to my account I will pay it again. The money never posted back to my bank account. I called them several times over a month trying to get the money refunded to my bank or credited to my bill and they refused because they stated they already gave it back to me. I showed them my bank account and the receipt from my payment and they still would not rectify the situation. On XX/XX/XXXX I had to pay the delinquent balance on my phone bill even though I never received the payment back and they charged me a {$35.00} fee. On XX/XX/XXXX I again paid my phone and internet bill. On XX/XX/XXXX I have another payment due but I still have not received the payment back from XX/XX/XXXX. I finally filed a dispute with my bank Regions. I provided them documentation and they have closed my claim stating that they can not credit my account even after showing them documentation that XXXX XXXX XXXX supposedly refunded the money. I again called XXXX XXXX XXXX and they wont find a solution to this problem. They say its the banks issue to fix and Regions keep telling me its XXXX XXXX XXXX issue to fix. I can provide documentation from my bank and XXXX XXXX XXXX.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2022, I submitted my initial complaint with the XXXX against Regions, XXXX, stating that I had been trying to set up autopay through my Regions online banking ( OLB ), and the payments were not going through. I stated that this had been going on since XXXX. Furthermore, I noted that I am a former employee of Regions. Therefore, I know how to set up autopay through OLB because I helped hundreds and possibly thousands of people setup their autopay through OLB. However, Regions did not believe that there was an issue on their part.
On XX/XX/2022, I submitted another complaint against Regions through the XXXX, XXXX, addressing that I logged into my OLB with Regions to make a 1 time for my credit card payment on XX/XX/2022 before my due date of XX/XX/2022. This time Regions admitted that there was a problem with their system. Around the same time I noticed that Regions added a remark to my credit score. I can not see the remark except for the fact that it was a late payment. Common sense would suggest that this remark was unjustified based on my previous 2 complaints.
Now, I am submitting a 3rd complaint against Regions about the matter of their system not functioning properly. This as no shock to me as a former employee of Regions. As I suggested in My first complaint on XX/XX/2022, there needs to be a large scale investigation against Regions. They notoriously bully and make it difficult for consumers to have any type of financial justice when Regions is at fault. As you can see, I have been dealing with this matter through the XXXX. It started when no one at Region s would return my calls or respond to my complaint made to their internal system. It almost seems like it takes and act of god to make to Regions correct their mistakes and own their responsibility for the wrongs that they have committed.
|
| 01/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Regions Bank is charging on my personal and business accounts multiple times fees, the first is fees for overdraft payment and then a couple of days to a week later will return these payments they authorized and charged these fees to, not returning the fee also, but when they return the payment they charge a return payment fee, This is wrong as for each transaction they are making {$72.00} in full and should only be making {$36.00}. They also ignored a letter from my law firm on this. Also, on my business accounts, they promised if I went through their merchant processor they would not charge me a monthly fee for my XXXX Account. I agreed and signed up with their merchant XXXX XXXX, who had all the information, on the application, but canceled after running my credit and approving me for multiple accounts and making compliance a mess, and trying to force me to pay fees for a service they are supposed to provide by law and have charged me big fees, on one of my accounts, up till cancelation, but also Regions never waved their fees as promised. XXXX shortly after issuing the accounts ended up closing all the accounts because on one of my companies sites and only one that site I offer credit repair and they say they can not process for any company that offers this even if the credit repair service would never be charged through the merchant account, and XXXX did not just close the accounts per that one company but all accounts for all companies. This also would constitute Identity fraud as this was known before the credit reports were run, and from the start. Also, regions have looked at my credit several times when trying to get a line of credit for my XXXX and always denys because my student loan balance is what it is and I am not having to make payments because of still being a student for 2 to 3 more years.
|
| 04/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
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On XX/XX/XXXX, at approximately XXXX XXXX, four transactions totaling exactly {$5000.00} were deducted from our joint checking account at Regions Bank ( Regions ) and paid to persons unknown to us. The transfer was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and safeguard its customers.
The transactions were all posted as pending. Other information for each is : XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1000.00} ; XXXX - XXXX record number XXXX to XXXX XXXX XXXXn the amount of {$1400.00} ; XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00} ; and XXXX : XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00}.
My husband and I have never set up an account for XXXX services as part of our Regions online transaction account. To the best of our knowledge, we have never had a XXXX account associated with any accounts we may have, or have had, with other banking institutions. However, in the little information that we have been able to obtain from Regions ( see attached Article 1 handwritten note from Regions employee in XXXX ), its records indicate that a XXXX account was set up on XX/XX/XXXX. As best we can tell, this account was not used until XX/XX/XXXX, at which time another email address was verified for the account : XXXX. This email address is unknown to us, and we were only made aware of its part in this fraud weeks later.
Prior to the XX/XX/XXXX date, our personal information was stored on Regions computers and accessible to an unknown/possibly unlimited number of people associated with Regions, XXXX, and/or any computer security contractors/employees associated with Regions security upgrades.
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| 09/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I received an Comdata " debit '' card from XXXX XXXX This card was provided to me for donating XXXX. They advised me that there are ways to withdraw funds without fees and inside the envelope was a " list of all fees '' paper. This list is on the other side of the welcome sheet where the debit card is glued. I got this card because times are hard and donating was a way to help. The List Fee list " Bank teller withdrawal ( for banks participation in the XXXX XXXX ) '' as the ONLY was to avoid fees when withdrawing funds. I went to XXXX Bank on XX/XX/23 to withdraw {$200.00} for the last two donations. The teller at XXXX advised me that the transaction was declined. I currently have a {$200.00} balance on that card. I then called the customer service number listed on the card, XXXX, and asked where I can withdraw funds without fees. She told me that I can not avoid ATM fees. I explained to her the list fee sheet and read the relevant part verbatim and asked if that was a lie. She told me, " I am sorry, but yes. It is a lie ''. Anytime I withdraw funds, I am subject to Comdata charge of {$1.00} plus whatever the ATM 's owner charges, per withdrawal. I received this card and pamphlet six ( 6 ) days ago on XX/XX/23. The information that comes along with the card, should be accurate and current. I also believe that there should be ways for consumers to use their debit card, without having fees withdrawn, just to access their money. During the call with the customer service agent, she told me that I can go to a Regions Bank and avoid fees. That bank is located in Texas, and I am in XXXX. Comdata/XXXX fees of {$1.00}, plus the ATM 's owner fee ranging from {$2.00} to {$3.00} per withdrawal is unreasonable. ComdataXXXX is also making it difficult to transfer the funds I have on their card, to my personal bank.
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| 10/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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Commencing around XX/XX/2021, I fell victim to a scam operation orchestrated by a fraudster named XXXX XXXX on XXXX app. Basically, I tried to buy a car online through the XXXX app and contacted this person who introduced himself as XXXX XXXX and allegedly sold me a car. It is important to mention that he said he was from the XXXX and the car was in XXXX.
Through 28 transactions I sent him the amount advised above. We made a verbal agreement to send him XXXX USD per month. When I paid the last portion, I asked him to ship the car to me which he confirmed. After waiting for a while, I contacted him via WA to check the status of my delivery, however, I got blocked from his number and never heard back from him again. At that time, I realized that I had been scammed, but it was already too late.
The money was transferred from my account via bank wire, through intermediaries named XXXX and XXXX in the total amount of XXXX USD. There were three beneficiary banks involved : XXXX, XXXX XXXX, and XXXX XXXX XXXX, all based in XXXX. I would like to emphasize that I never used XXXX in the past, whereas I did have a XXXX account, but it was only used for covering small daily expenses. It is also worth mentioning that, while I was sending the disputed amount over the course of 11 months, at no point was I contacted by Region Bank.
Furthermore, after I sent them a Dispute Letter in order to ask them to assist me, they kept delaying in providing a response. First, they asked me to visit their local branch and make a complaint in person. When I did, I heard nothing. Weeks after that, I went to the bank again, only to be told that the case was now too old and there was nothing they could do. It is safe to say that they were prolonging the case long enough to make a good ground for saying that it is now expired.
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| 01/31/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX that was deposited to my account for NSF fee 's.
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| 02/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My phone was hacked by someone posing as an XXXX technician on XX/XX/2020, he got into my phone and took passwords out of my notes. He indicated, my phone was hacked and my bank account was being robbed of funds. He then asked me to download two applications and hung up. I began getting notices that this guy used my banks XXXX account and transfered the funds into my XXXX XXXX and then he tried placing the funds into XXXX at which XXXX stopped the transaction and wouldn't let it get to my XXXX XXXX XXXX denies and wrongdoing neither have they made this right. This was a government check and to think I would actually give this XXXX XXXX employee or even XXXX XXXX Himself my banking info is ridiculous and obtuse. The mans name is XXXX XXXX, he took {$430.00} out of my Regions Bank Account. I have many documents to prove this as well as a police report and I also contacted the FBI. Regions Bank has turned down my request for an investigation twice claiming it is " my fault this happened ''.
This was an unemployment check from the state of Florida I had been waiting for for weeks. I have spoken with Regions Bank associates XXXX XXXX from the XXXX Indiana Regions Bank as well as Mr. XXXX XXXX from the XXXX location branch in XXXX, FL. are the only two people at Regions bank who has a heart to help me get my funds back at which XXXX " XXXX XXXX XXXX '' refuse to even investigate.
The whole thing is a nightmare. Its fraud and waste and I want to know if XXXX XXXX didn't get the funds through XXXX and if the funds weren't in fact placed in XXXX ; where is my money? Can anyone there help me? I made a police report with The XXXXXXXX XXXX Ohio Police Departments Officer XXXX.
Hackers can get through your phone and steal valuable information ; their thieves and in my opinion Regions Bank are no better!
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| 08/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I am having to submit a new complaint for Regions Bank - please see original complaint [ Case number : XXXX Below is my new complaint ( following my previous complaint ) : Initially, I filed a complaint ( with you ) against Regions Bank - and they ( initially ) investigated the transaction and refunded our {$590.00} back into our account - and also sent a letter to you ( CFPB ) confirming that our funds were reimbursed. However, recently - this bank has gone back and reversed this transaction and again took/debited {$590.00} from our account. When we called them on the phone to inquire - they stated that it was because someone overlooked our " supporting documents '' for this transaction ; then they apologized and assured us that they would " most definitely '' place the funds back into our account ( within 1 to 2 days ). However, these funds have not refunded. When we called to inquire about the delay with our refund, we were informed that although there are supporting documents to validate our claim - that they have " changed their minds again '' and suggest that we " go to the merchant '' When we explained, that the " merchant '' should have never even been permitted to take these funds in the first place, since the bank had been notified " prior '' to the merchant 's transaction ( that the merchant WAS NOT AUTHORIZED ) - and also that their bank had cancelled and shredded our debit card to prevent this transaction from happening ... ... a representative from their " Consumer Solutions '' department ( kindly, and without hesitation ) filed a written complaint on our behalf and " escalated '' it to another department. In the meantime, we are patient and inconveniently waiting for these funds ( {$590.00} ) to be placed back into our account. ( PLEASE VIEW ATTACHMENTS - " Regions documents '' ).
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| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Regions Bank has illegally charged me Overdraft fees on a transaction that shouldn't have taken place to begin with. The charge of XXXX from XXXX XXXX was reversed due to this error and my money was refunded but the bank ( Regions ) has kept the Overdraft fees as valid. This is an illegal fee ; for the simple fact that the company ( XXXX XXXX ) shouldn't have charged the account and there wouldn't have been an Overdraft to begin with. This is a malicious attempt to charge fees when none can be, and seeing how Banks like ( Regions ) ; majority source of profits come from overdraft fees, it lends to the creditability to the assertion that this fee was charged in malicious intent to defraud the account holder and generate profit for the Bank. ( Regions ). They have recently had to pay XXXX XXXX dollars for this very issue a year or so ago, for defrauding their customers in " Surprise Overdraft Fees '' that should have NEVER been charged in the first place.
Secondly in the General instructions page of FR2900 Board of Governors Federal Reserve System ( Sec. ) Report of Deposits and Vault Cash Page ( 10. ) Paragraph ( 8. ) titled ; Overdraft and Negative Balances on line 8 states that ; " Moreover any overdrawn deposit account by a customer should be regarded as a loan made by the reporting institution to that customer, and the amount of the overdraft should be regarded as XXXX and not reported as a negative deposit ''.
So if the Federal Reserve Board of Governors is instructing the reporting institution, in this case ( Regions ) to mark these as " loans '' how can it be legal or lawful for that institution ( Regions ) to charge a flat fee for that transaction. If its considered a loan than it should be charged the current interest rate for that particular type of loan which is currently 7.36 %
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| 12/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a Home equity loan with Regions bank. I provided sufficient income, employment history and credit docs required 2 months ago. I also included a letter explaining my decrease in income for XXXX. I got no communication from the loan officer other than initiated by myself. After waiting for status update, I was informed verbally only that my application had been declined for excessive debt to income. My annual income for XXXX is over {$90000.00}, my debt is less than {$1300.00}. Per month, credit score requirements were met. My debt to income is well below the XXXX XXXX XXXX XXXX threshold. The underwriter, never conditioned for more income documentation or an. The explanation the underwriter calculated a 90 day year to date pay stub over a 12 month period, i had recently changed jobs and was stated in my application. The ban underwriter never completed a verification of employment from my prior employer for the remainder year to date income amount. My debt to income is less than 6 %, guideline max debt to income is 41 %, no reason for decline. Now thy want me to reapply, pull another credit report that will affect my credit scores and yet the original credit report is valid for 120 days from application date. This is wrong. I was denied credit based in their lack of due diligence and following income calculation protocol and not giving me the consumer the opportunity to have them realize their error. I meet all guidelines for an approval for the application. I am being denied erroneously. I have tried for the past month to speak with someone in management and yes, they admitted the error was on their part in writing but still failed to correct the problem with out affecting my credit and also being out of compliance for adverse action notification to the consumer.. Please advise.
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| 06/21/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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Because of the theft of my identity I no longer have a home. On XXXX/XXXX/XXXX Regions Bank allowed XXXX XXXX to transfer XXXX to XXXX XXXX XXXX XXXX. I received a settlement from a XXXX XXXX lawsuit in the amount of {$100000.00}. I set up two C/D 's in the amount of {$44000.00} each. The XXXX Family abused money from the department of labor to make payments on several mortgages. Regions Bank reported interest to IRS. Never contacting me from XXXX through XXXX when I learned my identity was being abused. Payments was being made to XXXX XXXX. I never provided these companies with Regions EDI or my online entries. My labtop was hacked into in XXXX all of my files was stolen. My home was broken into in XXXX when I learned my identity was being abused. XXXX XXXX and company amended and restated my tax returns from XXXX through XXXX. XXXX XXXX was employed with the company at that time. XXXX XXXX had a relationship with Regions and an account. She was the XXXX XXXX XXXX when I was laid off in XXXX. I was told she was going to fix it for me not to be able to get another job. She saw what the XXXX family was doing. Someone filed a tax return in XXXX and put the funds into the account I once had with Regions. The FBI told me to pull all of my tax returns. This is how I learned of this, the amount was five thousand plus. An exemption was used, I did n't have an exemption in XXXX. The amount filed was incorrect. There was no XXXX filed or XXXX for the department of labor. I never received interest statements, not for the C'D 's I had. Or mortgage interest statements or any fraud transpired, even though I did n't apply for the loan with XXXX XXXX XXXX. Regions reported this fraud to IRS. This is abuse of His Housing. I had a FHA loan, these people have property in different states using my information.
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| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Regions Bank has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b.
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )
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| 10/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I submitted the following claims to Regions Bank, XXXX. on a VISA Business Debit Card last fouXXXX ( 4 ) digits ending... XXXX ( " Card '' ) issued by Regions on business checking account held by XXXX XXXX, XXXX. Consumer submitted Two ( 2 ) claims for unauthorized charges/fraudulent transactions on the Card ( ending # ... XXXX ).
On XX/XX/2022 Consumer submitted a Claim for Ninety ( 90 ) transactions totaling {$12000.00} that had posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ).
On XX/XX/2022 Consumer submitted a Claim for six ( 6 ) transactions totaling {$870.00} that posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ).
On XX/XX/2022 Regions provided credit for the smaller XX/XX/2022 Claim ( pursuant to Reg E - per Regions Bank Bank Statement citation ) but Regions refuses to refund the larger XX/XX/2022 Claim. The facts and circumstances of the XX/XX/2022 Claim and the XX/XX/2022 Claim are essentially identical except for the dates, amounts and locations involved.
Consumer is a XXXX, XXXX to a XXXX and is unable XXXXo drive an automobile. He is unable XXXX XXXX to any of the locations where the unauthorized charges took place. A police report was filed and the investigation is on-going with the XXXX XXXX Sheriff OfficeXXXX Regions Bank documents in my possession evidence and specifically reference person of interest-Jacquline XXXX. VISA Business Debit Card Agreement provides for Zero Liability but Regions has not provided the " VISA Reference Number '' whereby they forward the Claim to VISA for review under their " Zero Liability Policy ''. Actively communicating with VISA in this regard. Requesting CFPB investigate this matter and that Regions Bank be required to refund the total amount of the XX/XX/2022 Claim to my bank account.
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| 01/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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In XX/XX/2020, I noticed that there were several withdrawals from my banking account that were for XXXX XXXX. The total amount of the charges was just under {$700.00}. In fact, I looked because I had been alerted by Regions Bank that there was unusual activity on my card, causing me to check into this. The charges that totaled {$700.00} were well within 60 days of me calling the bank and reporting these fraudulent charges.
As I continued to look through my account, I saw where there were fraudulent charges to XXXX XXXX starting in XX/XX/2020. I did not anticipate being reimbursed for the charges outside of 60 days of my reporting, but I reported them nonetheless.
I was reimbursed by Regions for the charges that had taken place 8 and 9 months previously, but Regions refused to reimburse me for charges that had taken place within 60 days.
The ones I was reimbursed for were months ago, were for the exact same thing that was being charged to my card for all the other fraudulent charges, and it was Regions who alerted me to fraudulent activity. Yet, Regions Bank refused to reimburse me. I have banked with Regions Bank for 26 years. I have a mortgage with Regions.
I requested this be looked into. I emailed and received vague responses. I called and was put on hold and ultimately disconnected. I called my local branch in XXXX, Mississippi and after a month and multiple phone calls that went unanswered was once again given vague responses. I was put on hold to speak with a manager and was disconnected. When the woman called me back, she put me on hold again where I sat and no one got on the phone.
I will be closing my account with Regions. I will pay off my mortgage and never do business there again. I will tell my mother and all other family members to never bank with Regions.
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| 09/16/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well.
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.
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| 12/10/2023 |
Yes |
- Prepaid card
- Government benefit card
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Web |
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I have been donating plasma for several months at octapharma plasma center in XXXX, Tx. On XX/XX/23 a withdrawal of {$360.00} was made from my pre-paid Comdata debit card given to me by the plasma center. On XX/XX/23 I called the # on the back of the card to file a dispute for the {$360.00} withdrawal. I spoke with a representative named XXXX who took my claim and said it would take XXXX business days to have the fraud department explore my claim. He kept repeating 21 days over and over and said I would receive an email updating me of the status. The card that was compromised was closed and the issued me another card. I checked my email everyday along with checking my account balance hoping my account would be credited. On XX/XX/23 I called again and spoke with a representative named XXXX who told me I should have received an email on the XXXX of XXXX with an update on my claim. I checked my email, spam and trash over and over and found no such email. I went over my email address several times with both representatives. XXXX said he would put in to have my email resent again so I could find out the status of my dispute. Once again I checked my email and spam everyday for XXXX hours and again found no response. On XX/XX/23 I called again and spoke with a representative named XXXX who gave me a case # but said he was not able to see the email that had supposedly been sent to me reporting my status. By this time I was angry/stressed and unsure of what to do to resolve my problem and didnt know if I was getting my funds back or not. I didnt want to give up so I called XXXX last time on XX/XX/23 and spoke with a representative named XXXX who finally told me my case hade been denied by the fraud department. I just want my {$360.00} back and want justice.
Thank you, XXXX XXXX
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| 10/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I contacted Regions on XX/XX/XXXX through the customer service line regarding a payment that will soon be withdrawing from my account. I notified the representative that I 'm worried about a payment that will hit the account soon and that it would overdraft the account. The Regions representative notified me that since the payment has n't hit the account yet, there would n't be any overdraft fees. She also notified me that if the payment does decide to hit the account, then all I have to do is make a deposit before the payment post. So late Friday XXXX XXXX, the payment for XXXX hit the account but did n't post yet. I had 4 pending transactions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and chairs that were pending but the funds were already taken out of the account leaving me with {$45.00} in available funds. When the XXXX payment hit on the XXXX, it made the account become overdrawn and XXXX XXXX and XXXX to savings posted. So I went to the branch in XXXX and spoke with a representative named XXXX. She notified me that I should n't have been charged on my account and told me that I will have to contact customer service since her branch was n't the one that opened the account. So I contacted Customer service and they were able to credit back {$18.00}, but told me to contact my local branch in Alabama to get the rest of the funds refunded. When I contacted the XXXX Alabama branch on Monday XXXX XXXX, the representative did n't honor the agreement and told me that I was misinformed by all the other representatives that I spoke with. This is really upsetting when all the other representatives are on the same page, but the branch that opened my account is n't. Now I have an overdraft fee for {$72.00} on my account that should n't be there and I feel like I was lied too.
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| 07/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On multiple occasions Regions Bank has allowed transactions to be authorized and post to our joint accounts despite being opted out of any form of overdraft coverage offered since opening my accounts. On the most recent occasion 2 fees were charged and were reversed only after complaining to the local branch. The employee confirmed that we were opted out of both forms of coverage that is offered, standard overdraft coverage and overdraft protection is how they are listed on the website, but said that we had not opted out of coverage for recurring charges. No where on their website, nor at any point when I have called or gone into a branch to speak to someone about this issue have I been told that there is some mysterious 3rd overdraft protection for recurring charges. I checked my online banking just to make absolutely sure that I was opted out of everything. After speaking with an employee on XX/XX/XXXX we were told that she opted us out of this recurring charge coverage. On XX/XX/XXXX, I received a confirmation email for opting out of standard overdraft coverage, something I can confirm I was already opted out of, but was told by the bank that it was something different.
This also occurred on XX/XX/XXXX for an amount of {$2.00} which was then charged a {$36.00} fee. I have changed debit cards to make sure no recurring charges I did not authorize were allowed to continue but that did not help. After receiving this email about the standard coverage Im inclined to believe the employee made up this 3rd coverage she claimed exists as a way to excuse what was happening on my account. Regions has had to refund me before in XXXX because of this same issue and at that time I had assurances from an employee that I was opted out of everything, yet they still let it continue.
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| 11/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
Servicemember |
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In XX/XX/XXXX I brought a mixed use property that I live in a loft and have restaurant rental space below. I finance the property from XXXX XXXX XXXX in XXXX somewhere it got sold to Region Bank I don't know exactly when they made the switch, In XX/XX/XXXX Regions stated I was behind on some notes and they offered to modify the loan. I accepted though I couldn't prove at that time I was not behind on my mortgage. In XX/XX/XXXX the bank said the loan was due and I owed another {$180000.00} dollars on a property. In XX/XX/XXXX I did an administrative process on them asking for the original blue wet ink copy of the contract. They could not produced it and the ones they did produce were copies with obvious blank outs. After this starting XX/XX/XXXX they tried to foreclose on my property, I had to hire an Attorney to get an injunction to stop the foreclosure and sale of my property. I filed a lawsuit in XX/XX/XXXX sued the bank for fraud and racketeering during the hearing it was proven that I had paid well over {$500000.00} however before we went the trial, the bank agreed according to my attorney that I did not owe them anything on the mortgage but that I now owed them {$41000.00} in taxes ... I offer a tender of payment to them via my attorney which they accepted. XXXX of this year after a year of no feed back.. I asked for a settlement and closing of the account.. the attorney I hired said since we did not hear anything else from them that I could dismiss the case without prejudice and come back and sue them later if needed. XX/XX/XXXX they sent me another letter stating I am in default of the mortgage and that my property will be sold XX/XX/XXXX. Of course I will be going back to sue or file bankruptcy as I have exhausted my reserves suing them the first time.
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| 01/23/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
Older American |
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E transfer at Regions XXXX XX/XX/XXXX Regions Bank Department of Electronic Transfers I am requesting your help to start an investigation for an abnormal electronic transaction was done by the Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, and also I am asking to get reimbursed the money I lost with it.
In XX/XX/XXXX I asked to get an electronic transfer for the amount of US {$4200.00} Dollars from my checking account XXXX at Regions Bank into a personal account in XXXX, XXXX XXXX, XXXX ; swift code XXXX ; Beneficiarys Account # XXXX ; Wire Sequence # XXXX ; XXXX XXXX.
The money was taken out same day from my account, but held with not reason until XX/XX/XXXX. I was told that it was caused by the intermediary bank XXXX used by Regions Bank . I am pleased for the promptly response and commitment from the branch manager to resolve that situation as soon as it was communicated. However, It was not resolve immediately, but 18 days later.
With that money, I was committed to get done a payment on time-of health insurance for my wife, my son, and myself. But, because the delay of the transfer I had to pay a late fee and interests for the amount of {$50.00} Dollars.
Besides that, the exchange rate was paid at lower rate than the current value of the Dollar in the market at that time. It was done for the amount of {$2800.00} pesos per each Dollar, which is lower XXXX pesos per Dollar. It means that I lost additional {$170.00} Dollars with this electronic transfer because the exchange rate.
Total lost amount is {$220.00} Dollars between late fees and lower exchange rate.
I had done previous transactions with no problems, but this was unacceptable one.
Please, let me know the result of your investigation.
Thank You, XXXX XXXX Phone XXXX
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| 01/03/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
Older American |
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Over the XX/XX/XXXX holiday, my Regions XXXX Debit card was hacked and over {$1000.00} of unauthorized purchases were made using the card. Of course, the bank was closed for 3 days during the holiday and would not allow a dispute be filed until the charges " posted ''. Did you know, Regions does not immediately put the money back into your account, pending an investigation like every other bank in this country does. There is a XXXX waiting period and they do n't make exceptions. Did you know they do not issue temporary bank cards ( bank personnel told me they are not that technically savvy! ) The also do not have courtesy checks for a customer to use when they ca n't get a temporary bank card - according to my " personal banker '', Regions had too much " fraud '' that way ... .. REALLY??
In addition to a XXXX day delay, they start hitting you with NSF charges even though my legitimate charges came BEFORE the unauthorized charge. Regions chose to hit me with approx. {$250.00} in NSF charges. Since the bank took an additional XXXX day New Years holiday there was no way to get any money out of my bank. My direct deposit paycheck was taken by the bank to cover the charges including the NSF fees. I am closing this account as soon as I can change my direct deposit to another bank. I would NEVER under any conditions open an account or recommend this bank to anyone!! As for my Regions " personal banker '', I want to thank you for nothing and a special thank you to the bank XXXX who refused to reimburse me the NSF fees knowing that I have never over-drafted my account and the fees were incorrectly charged. And please change the automated message on your voice recording saying Regions has the highest customer satisfaction rating of any bank. You MUST BE JOKING!
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| 11/21/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully.
Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan.
We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan.
We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing.
We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.
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| 06/04/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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I live in XXXX, Alabama.
On XX/XX/2022, someone walked into a Regions bank in XXXX, Indiana and used 2 forms of fake ID posing as me.
They withdrew {$6200.00} from my savings account. I have the same name as my mother and they went to a second branch in XXXX 30 minutes difference and stole {$6500.00} from my XXXX year old mothers checking account. I discovered this and my mom and I went to a local Regions bank in XXXX to report it. They saw that it was obvious fraud and turned it over to investigations and said the money would be back in our new accounts in 2 weeks. 5 weeks have passed and no return has been made. After the first 3 weeks I called the branch in XXXX and talked to the branch manager who knew nothing about it.
He looked it all up and said that the XXXX branch had not had us fill out the proper fraud forms so my mom and I returned to the bank and filled out the forms.
Now it has been 5 weeks total since we reported this to Regions and we keep getting excuses and un returned phone calls and apologies but no return of the money.
We now have an attorney involved because we have exhausted all other reasonable means and our patience is gone. We dont understand why they claim to be FDIC covered if this is how they respond. It is not our fault that 3 weeks went by and nothing was done because Regions bank failed to have us fill out the correct forms. We can not get anyone at the bank or the security department or their fraud department to act like this is a pressing issue.
My mother and I believe that {$12000.00} stolen is a big issue and we feel they are in violation of FDIC. We understand an investigation is going on but they should make the customer whole in the meantime. We have been loyal customers of Regions bank for decades.
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| 03/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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We purchased new HVAC system for our home the end of XXXX and received a loan to cover the new HVAC. Payments started XX/XX/XXXX and monthly amount was {$160.00}. Our account with EnerBank is billing account XXXX. We missed one payment in XX/XX/XXXX ( which we regret ) but could never go and make that payment. They added {$80.00} ( interest fee to the loan ). We also noticed they closed the account ( Credit report ) sometimes during XXXX XXXXXXXX and I know the company was purchased by Regions Bank ( I believe at that time also ). At this time, this account still shows closed under my credit account.
We have noticed weird things happening to our account throughout the XXXX, this year we set all the payments to go automatically so we would not miss any payment due on XXXX each month. XXXX, XXXX, XXXX payments were made on time automatic withdrawals.
This month XXXX we received an email that in XXXX ( double the amount would be deducted {$320.00} ), but we owe only {$160.00} each month. I tried to call the company in XXXX when we realized we missed one payment, their system doesn't allow for multiple payments. Their system is very consumer unfriendly. We need someone to look into them and clarify, if this was a loan, or it was a credit card. As I mentioned, things are weird and I believe there should have been more paid off by now, but isn't. Thank you for looking into this. Attached are screenshots to support my complaint.
XXXX XXXX XXXX, or spouse XXXX XXXX ( XXXX ) P.S. : XXXX was calling about missed payment in XXXX but they did not want to talk to her, since this was under my name. She provided all the information, she got me on the phone to give permission to EnerBank talk to her and the customer service hang up on us in XX/XX/XXXX.
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| 11/07/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email XX/XX/XXXX on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to regions bank and stop payment on XXXX XXXX XXXX XXXX payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. Regions bank will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let XXXX XXXX XXXX get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. regions vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with regions mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
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| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I have Banking with regions Bank for many years, suddenly when I started having issues depositing my personal money, Bank refused to send me information 's why and where is my money. XXXX, XXXX I made transfer XXXX $ from my unemployment account to my personal regions bank account over night i lost everything. with in week or so regions send me express mail to letting me know they are closing my account Regions stated how they have full rights to close my account with me and refuse to service me. i contact them i chased my lost money i had all proof of money but they refused me and Regions closed my account with out my consent.. I paid off in full My loan with then From XXXX Lean. from them show negative impact on my XXXX credit I was in Regions Bank Personaly I talk to Bankers they Made copy of Paid off loan and Bad reputation from them to my XXXX credit, when I was right with all documents they closed my account Not me. I provided them original documents from my credit from my transfer money and what balance should be. how ever this is used against me when i give them copy what they Have done. They hurt my financial freedom my credit and reputation for future financial comfort. I lost money with them they Turn Against me some how they forwarded my account to collection agencies XXXX m having issue on todays day to stabilize my financial situation Because my Identity has been stolen and compromised for so long to This Agency @ XXXX XXXX XXXX XXXX suit XXXX XXXX Ohio XXXX XXXX Fraudulently calling me and threaten me with my own Identity. this company have no right to contacting me on behalf of stolen account. I need Help. I need help Please help me. I lost thousands of dollars during the past years by Scammers and fraudulent charges. Thanks
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| 04/20/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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I received a check from XXXX XXXX for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate. My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate. We deposited the check in to my Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to XXXX XXXX ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ... XXXX XXXX is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money hostage. They should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business. Three weeks is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact XXXX XXXX at Regions Bank in XXXX , GA.
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| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
Servicemember |
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Opened account on XX/XX/2020. Attempted to close the account on XX/XX/2020, but Region 's Bank refused and said it's not possible to close the account. Reason for closure request was that XXXX 's Bank would not let me have access to my initial deposit which was made with guaranteed funds, used a credit card. When I attempted to use these funds on XX/XX/2020, unknown to me, my account was frozen due to " fraud '' and I was required to come into a branch location to " prove '' my identify. Explained that that's not an option during COVID-19 and that my health doesn't allow me. I told them that this wasn't fair and that my account would be charged fees for staying open and that they couldn't deny my request to close the account over the phone. This seemed like a scam to take my deposit, lock my account, make me come into the office, in an attempt to sell me more products that I don't need, and take my money, though the use of fees from my initial deposit. Hung up with the representative with my account still being open and subject to fees with no way to move my initial deposit out of my account due to how the account was coded for fraud. Representative said that they could attempt to close the account over the phone if I called back the next day, after my guaranteed funds " posted, '' but he'd have to request to have the {$25.00} early closure fee waived. This is a scam to take customer 's money, not let them use it, lock their accounts, and not allow them to close their accounts and rake in the fees. Over the course of about 2 hours, I was bounced back and forth to different " personal bankers, '' never read any regulatory disclosures, hung up on and dropped back into the main phone tree without notice in an attempt to not solve my issue.
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| 06/21/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it.
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back.
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.
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| 09/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Servicemember |
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On XX/XX/21 I reported my Now Card ending in X XXXX stolen and gave it to a Regions bank teller. I gave the card back to the bank because they stole XXXX from my Now Card account ending in XXXX. I then transferred ( {$220.00} ) on that same day back to cover the negative balance. Also prior to the balance being stolen-negative, there were funds ( already ) in the account. The bank teller/She issued me a new card ending in XXXX. I asked her/ The bank teller/ if she could link XXXX statements to my new Now Card ending in XXXX and she said NO. I went to sleep and found they stole the Now Card I had reported stolen and given back to them ending in XXXX and opened it under the pretenses of XXXX, and the employees began swiping more money this time ( {$80.00} ) under ( fake account ) XXXX, which I had no knowledge of nor gave her consent to do and let me remind you she did which she told me could not be done. ( she linked an unknown card to the previous statement ) but a card they used to steal more money without my knowledge or consent. At XXXX XXXX that same night I received a message from the bank that the Now card ending in XXXX that they now had in their possession, was stolen and linked to one of their employees XXXX XXXX in which they were using stealing more money. How did the bank email me about a card they reported stolen, suddenly being uploaded to XXXX XXXX 12 hours later??? They stole ( {$220.00} + XXXX + an incoming ACH transfer of {$200.00} ) the SAME day which was never POSTED to my ( main ) account ending in XXXX or balance making it a total of ( {$500.00} ). I want my money back now. Give me my money back XXXX XXXX goes back to my Now Card ending in XXXX account while XXXX goes back to my main account ending in XXXX.
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| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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When I was checking my emails on the morning of XX/XX/2021 I found that I had received an email from Regions Bank notifying me of overdraft fees. I immediately checked my online banking and found that my account was not in the red until they charged the overdraft fees on XXXX XXXX of {$72.00}. I called the Regions Green line when they opened and spoke with a customer service rep and supposedly a manager. They informed me my account actually went into the red on Friday XX/XX/2021 with two charges from XXXX. They acknowledged that shortly after the charges from XXXX showed as pending I did make a transfer of funds from my savings and also did a mobile deposit. According to my records from my online banking on the night of XX/XX/2021 prior to their overdraft fee I had {$10.00} available. At the time of the transactions they say overdrafted my account I had {$170.00} prior and {$140.00} after the second transaction. As the two ladies I spoke with called out transactions they were not even in the same order as they are in my online banking and the numbers were all messed up. They claimed they gave me credit for the transfers and deposit yet they still charged me two NSF fees of {$36.00} for a total of {$72.00}. I have had many times my account would show overdrawn briefly in the pending status but while still pending I would do transfer or deposit to cover and it has always been accepted and not charged as an NSF until now. Then only solution either persons I spoke with offered me was to just opt out of the overdraft protection and kept insisting that even though their records do not align with mobile banking they were still correct. They both kept telling me that as I use my card money comes out of my account as if I am a complete XXXX.
|
| 03/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American |
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see attatched REGIONS letter XX/XX/XXXX confirming a dispute was recieved XX/XX/XXXX PER REVIEW NO DISCREPANCY WAS FOUND. Due to my XXXX I have no one to assit in THIS EXTRA HARRASSEMENT STEP OF REGIONS ID THEFT KIT. I HAVE SUBMITTED IT TO AUTHORITES REGIONS DENIED MY CLAIM. Regions may view the attatched FTC ID THEFT REPORT case XXXX for any information needed or documentation of fraud date XX/XX/XXXX. see attatched MAIL FRAUD LETTER of XX/XX/XXXX. also see attatched REGIONS REPLACEMENT CARDS DOCUMENTATION. My records show XX/XX/XXXX I REPORTED UNAUTHORIZED TRANSACTIONS CARD END XXXX. XX/XX/XXXX REGIONS REPLACED FRAUD CARD WITH CARD END XXXX see attatched XX/XX/XXXX regions letter end this card XXXX. Over {$2000.00} reported unauthorized to no avail. CLEARLY THESE WERE ALL REPORTED TIMELY EVEN FROM DATE OF LETTER XX/XX/XXXX THEY ARE NOT PAST 60 DAYS. MY CLAIMS DISMISSED THEN CORP OFFICE REFERRED ME TO BRANCH XX/XX/XXXX TO RESOLVE. EMAILS FROM THIS OFFICE UPON REQUEST. STILL NO RESOLVE. My records show I reported fraud again XX/XX/XXXX REGIONS REPLACED THIS FRAUD CARD ENDING XXXX I reported again XX/XX/XXXX REGIONS REPLACED CARD END * XXXX.???? Then they denied my claim. Kindly Note Regions Letter of XX/XX/XXXX IS AFTER CONFIRMED INVESTIGATION thus HAD TO BE REPORTED PRIOR TO XX/XX/XXXX. KINDLY NOTE THE CARD ENDING WAS XXXX THE FIRST REPLACEMENT. CARD FROM XX/XX/XXXX. FRAUD CONFIRMED REPORTED TIMELY. REGIONS DOES NOT RESOLVE FRAUD. REGIONS COLLECTS ON ID THEFT. REGIONS DOES NOT PROVIDE XXXX ACCESS MOBILE APP. OR WEB. THREE BROKEN LAWS. REGIONS PRETENDS THEY DO NOT KNOW WHAT I AM TALKING ABOUT. EMAILS OF IGNORING ME XXXX XXXX FROM XXXX XXXX XXXX FL BRANCH OFFICE XX/XX/XXXX UPON REQUEST AND THAT IS after corp ignored me over a year.
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| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I received my daily balance notification from Regions Bank and realized my account was lower than expected. After checking, there was a charge from XXXX for {$550.00} on XX/XX/22 that I did not authorize. I contacted XXXX and Regions but due to it being a pending charge the only thing I could do was get a new debit card and wait for it to post before disputing it. I was told it would post on Tuesday so call Regions and go through the steps. I put a hold on my new debit card account so no further charges would be authorized via online payments. My initial dispute was denied due to Regions stating XXXX saying I authorized the claim, which is not valid. I appealed the claim on XX/XX/XXXX. Since XXXX, I have made multiple calls to Regions and XXXX to get my money back because I did not authorize that charge. I have 2 charges in XXXX from XXXX about {$110.00} each when I assisted my sister with her bill but those are the only 2 charges I made and it was in XXXX. I provided information to both companies with proof of my authorized charges in XXXX and that it was not from her account in XXXX. I have provided proof that my personal XXXX account is connected to my Bank XXXX XXXX checking account. XXXX offered to refund the money back to the card that was used but I no longer have the card and they can not refund the money to my new card. I have spent a lot of time trying to resolve this matter. I do not know the person who obtained my debit card information as I stated to XXXX and Regions multiple times. XXXX could not even tell me what they offer is worth that much. believe my information was copied when I went through a fast food drive-thru in XXXX on XX/XX/22 because that is the only time I handed my card to someone else.
|
| 07/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
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My mother has an account with Regions Bank in XXXX, XXXX XXXX I was added to her account a couple of years ago to help her as she has failing health. I was called by the Regions Bank branch on XX/XX/2022, I was asked if I had made an electronic withdrawal for almost {$4000.00} on XX/XX/2022. I said that I hadn't and went to the branch to find out what happened. They showed me a copy of a check with my mother 's account number on it, but a fake name, address, and email address on it. I was speaking with XXXX XXXX and as she pulled up the account, she realized that there were other checks starting back around the middle of XXXX. My mother 's account was completely drained of {$56000.00}. She doesn't receive statements in the mail or email statements. She doesn't even have a computer. So, we didn't know the fraud was going on. The bank never caught these transactions, so they continued to happen until all of her money was gone.
I filed a fraud report with XXXX XXXX and a police report with the XXXX Police Department. I also filed a complaint with Regions Customer Protection Center in XXXX, AL.
I waited the 10 business days to hear back from the bank, then I received two letters from the bank. One listed all but four of the checks saying that I didn't dispute the checks within the time provided in the Deposit Agreement. They have yet to tell me what the time limit is. The second letter said that four of the checks the paper needed a signature to continue the investigation. I have no idea what the " Deposit Agreement '' is, as this is my mother 's account, and I was just added on.
Bottom line, the bank is claiming no responsibility. That money is for my mother to live on for the rest of her life. Without it, she will be desolate.
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
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Web |
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On XX/XX/2020, there was a fraudulent charge of {$500.00}, on this account. I've called daily from XX/XX/2020 until I filed a complaint with the XXXX XXXX XXXX on XX/XX/2020. During the calls I've had to explain to every agent the reason for my call and neither had any more information than the next agent and claimed to be escalating the claim. Any time I requested a supervisor, the agent never provided one or released the call to anyone else. During each call neither agent knew of an investigation or knew about any previous calls. I also filed a claim twice online, which I was later blocked from using. Not getting any response or credit to my account for this fraudulent charge led me to file a claim with the XXXX XXXX XXXX, which they immediately responded to and provided a generic response on XX/XX/2020 and as of XX/XX/2020, there has been no contact from this company or credit of my account. They've even not responded to the XXXX XXXX XXXX by the given deadline of XX/XX/XXXX. I've explained to them on several occasions that my spending pattern has never included such a large amount. I've looked online and also provided this information to the XXXX XXXX XXXX where numerous consumers have complained about being scammed by this company and no solution.
https : XXXX I've waited over 30 days. According to the Truth In Lending Act, if the actual credit card not used, the consumer has no personal liability and by law should not exceed 10 business days. Company has stated that card wasn't used, that it was paid as checking, which I didn't authorize.
I would like a full refund of {$500.00} that this company withdrew from my account, without my permission. I never authorized withdrawal for this amount on this account and any time.
|
| 10/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
We took out a mortgage loan on our home with Regions Bank. Our home was paid for. We made every payment on time. XX/XX/2014, Our XXXX great-grandchildren came to live with us. After XXXX, we were hurting for money. I saw on line that there was help with problems in a resolution type thing with Regions. I called the number and spoke with XXXX XXXX in the mortgage dept. After explaining the problem, He said he could help. He mailed the paperwork for us to fill out. A payment was due and I asked what to do. He told me NOT to make the payment!! Even saying that might clear up my problem and let me use that money to catch up. He said it should take around 30 days to process the request. When the 30 days were almost up, I called XXXX again to see about the next payment and he said not to pay that it should be resolved soon. He did say it would go against our credit rating, but would be okay once it was settled. Our request was denied by Regions because we made too much from XXXX. The very next week, XXXX called me and asked when were going to catch up the payments and denied telling me not to make them. I have called and spoken to XXXX, to his supervisor and his manager. They say none of the calls were recorded and therefore, I have no proof. I do n't know what to do. I am XXXX and my husband is XXXX, all we have coming in is our XXXX. We have XXXX of our great grandchildren still. We have listed our home for sale and I 've told the bank that 's all I know to do!! We have NO extra money. The bank calls every 2 or 3 days to tell me if I miss one more payment, they will have to foreclose!! We ca n't get a loan or anything now because those two payments missed are on our credit report.
PLEASE HELP US I do n't know where else to turn.
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| 06/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
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After paying off my home loan, I reached out to the lender to request that the original promissory note that I signed at closing be marked " PAID IN FULL '' and returned to me. The person I spoke to said that she had never heard of having to return the original note to the borrower. She insisted that a mortgage release would be filed with the county and that would suffice.
Under Finance Code Sec. 342.454, a lender is required to cancel and return to the borrower any note and/or instrument that secured the loan, specifically the promissory note. Below is the text of the law : Finance Code Sec. 342.454. RETURN OF INSTRUMENTS TO BORROWER ON REPAYMENT. Within a reasonable time after a loan is repaid in full or an open-end account is terminated according to the terms of the contract, a lender shall cancel and return to a borrower any instrument, including a note, assignment, security agreement, or mortgage that : ( 1 ) secured the loan ; and ( 2 ) does not secure another indebtedness of the borrower to the lender.
Unfortunately it has been my experience that it takes undue effort on the part of a borrower to convince a lender to return the original note. Once again, as I have in the past, I am enlisting the help of the CFPB to force the lender/servicer of my loan to return the original, wet-ink copy of the original promissory note I signed on XX/XX/2016.
The CFPB has helped me with an identical issue with a former lender in the past ( CFPB case # XXXX ). In that case, CFPB referred my complaint to the Office of the Comptroller of the Currency, who in turn investigated my complaint and was able to force to lender to return the original promissory note to me.
I am hoping the CFPB can do the same this time as well. Thank you.
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| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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We submitted multiple checks for escrow and scanned the front of the checks ( front only ) and emailed them to the contractor as proof of delivery. The contractor was fired from the project after delivery of the checks to escrow. The checks were written on XX/XX/XXXX and cleared our account on XX/XX/XXXX. I called our attorney to confirm he still had the original checks in his possession, which he did, still held in escrow The contractor printed the PDF 's that were emailed to him, cut the paper into check size and endorsed the back, which as a blank sheet of paper and proceeded to mobile deposit them into his Bank of America account. You can clearly see in the attached documents that the checks were printed on a printer, cut into size and the back is blank because it was a sheet of paper and not an actual check. We notified our relationship manager at Regions bank on XX/XX/XXXX regarding the fraudulent checks, she agreed they were fraudulent and informed me we had 60 days to file a complaint. The checks were on our XX/XX/XXXX statement so we were within the time constraints. Our relationship manager incorrectly filled out the claim so Regions internally rejected the claim twice in 4 months without ever sending the claim to XXXX XXXX XXXX. When Regions finally sent the claim to XXXX XXXX XXXX, at our request, XXXX XXXX XXXX paid 2 of the 7 fraudulent checks but the contractor had drained his account of money so the other checks didn't get paid. I've attached copies of the checks and a response from Regions regarding the claim.
Regions still does not fully understand that the images that were mobile deposited are not of the actual check, they were photos of an image printed on a printer with no actual back of the check.
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| 05/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX, i noticed my balance went down in my bank account, so I logged in online to see what happened. To my surprising I found out XXXX XXXX took {$440.00} for ETF from my checking account without my AUTHORIZATION! And then it was almost a year later since I had them. I cancelled auto pay with them a week after having them because bill came a week later saying due in a couple of days. If not mistaking I cancelled auto pay XX/XX/XXXX, after me logging on and finding out this information for my records i was able to see I signed up for XXXX XX/XX/XXXX. I never signed a contract. They sent me a copy to my email, that they never had on file until recently, ill say a week ago that i gave them to send a copy of contarct. When i fianlly gotten it, it was forged signature saying I signed it and I didn't! I even fax in a bunch of copies of my signatures going back from XXXX, to show my signatures never change! The bank is no help either. The bank say because now the signatures don't match XXXX says it's a legal matter! I ask for money back from XXXX, XXXX said no, because I signed contract. Again I didn't and cancell auto pay a week later. Also XXXX closed my account and placed for collections XX/XX/XXXX but on my credit report it shows XXXX and this account has been closed close to a year now! And then on credit report it shows {$750.00}. So they had that on there whole time not including the {$440.00} they took out my account on XX/XX/XXXX. Because on one credit report they have {$1100.00} and then experian {$770.00}. And its still like that now! I need help getting justice from this company! In having this issue with them I just seeing this is an ongoing issue with this company and something needs to be done about this!
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| 10/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX, XXXX I was charged twice for a fuel purchase that was n't made by me. The charges shown are back to back on the same day in an unknown location to me. This card is specifically used for fuel. The amounts are as follow : {$50.00} invoice # XXXX {$50.00} invoice # XXXX Two days prior I used the card to fill up my tank and then used it the day after these charges when my tank was halfway full. I am an XXXX driver and use the fuel card issued by XXXX through XXXX Bank. I own a XXXX XXXX ( 4 cylinders ) vehicle and in no way can use this much fuel even if I 'm running on empty. Also, the charges show a location in XXXX through something called XXXX Fuel. I never fuel in XXXX!
Since XXXX was having some technical difficulties with fuel charges not posting on time, these charges were not noted by me until the following month of XXXX. This was XXXX XXXX when a message was received by XXXX apologizing for delayed fuel charges. As soon as I noticed the charges I contacted XXXX to notify them of the error. Their support indicated they would contact the credit card company and I needed to wait.
It was taking too long to receive a response so I contacted XXXX Support constantly and was asked to be patient. At one point I was that the credit card company had an undetermined amount of time to resolve the issue. I told them by FTC ruling they had two billing cycles or 90 days whichever came first.
After all these months of waiting, I finally received an email on XXXX XXXX from support telling me the dispute was finalized and denied and that the internal review from the credit card company was confidential.
I was also told by XXXX they no longer had any control over these charges and were no longer able to assist me.
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| 07/28/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go.
Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information.
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.
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| 12/08/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place.
Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you.
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| 05/08/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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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.
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| 03/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I initiated an online purchase for an item from XXXX XXXX for {$300.00}. I miscalculated the purchase and my account had {$300.00}, short by {$1.00}. The transaction should have been declined by Regions bank as it has in the past. This time Regions bank authorized a partial approval XXXX out my account. My account DOES NOT have an overdraft program intentionally. I only keep enough in my account for specific transactions. I caught the problem after the merchant notified me. I deposited {$40.00} more into my account via ATM. I asked the merchant to debit the {$1.00} difference but they couldnt. I canceled the entire order. I spoke to a merchant supervisor and she stated that the bank had authorized in error and she reordered the item requesting full payment again. Once again Regions authorized a partial payment of {$40.00} to the merchant despite the merchants request for authorization for {$300.00}, zeroing out my account.The original {$300.00} was not returned and is still showing pending. This second attempt by the merchant should have been declined as well. This is a purposeful attempt by Regions bank to charge overdraft fees. A Regions bank supervisor refused to admit any wrongdoing, blamed the merchant and lied to me claiming that the merchant must have requested a lesser amount ( RIDICULOUS ) Regions was fined XXXX XXXX 4 years ago. Its time to investigate them again. If Regions bank is trying this with me, how many hundreds of thousands of citizens are they doing this too, during a national emergency of all things ( APPALLING ). The merchant states that when an order is canceled they release all funds immediately. Regions bank still has a pending hold on my funds {$340.00} ... 24 hours later.
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| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2023, I noticed that I had an XXXXXXXX fee of XXXX after my nightly balance was XXXX in the positive. This left me with an XXXX. On XX/XX/XXXX I woke up and saw that I now had XXXX in XXXX XXXX fees. I contacted the bank immediately and they told me it was because my account was in the XXXX during processing times and after updates items that cleared and settled is what caused the fees. They then went on to show me where my XXXX was XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX. I explained each time I got a notification that my acct was in the negative I transferred funds to cover the XXXX balances, before the cutoff times and those funds were available immediately. I then went in to explain and show how my account was positive each time the fees were accessed. She refused to acknowledge said deposits or admit to any wrong doing on the banks behalf. She said as a courtesy they would waive the XXXX because I have a long banking history with them. I was not really satisfied but I didnt have the energy to continue to go back and forth over fees. The morning of XX/XX/XXXX I woke up to another XXXX in overdraft fees. I again contacted the bank and was told pretty much that even though I brought my account current fees were pending initially as well and that even though I made deposits when alerted to avoid any negative impacts they didnt really count towards some XXXX XXXX. grace period. My bank statements show each time a fee was assessed that it was in a positive standing. Granted it wasnt by lots but it was positive and I did my due diligence to ensure the acct stayed in the positive by transferring money to cover. Normally I do not fight this hard however I feel as if I am being robbed as a consumer.
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| 04/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2023 a debit card that I had in my file cabinet at home, that had never been removed from the envelope and never been activated by me was used for 3 separate ATM transactions totaling over {$700.00} in XXXX, TX, a town over 100 miles from where I was that day. I saw the charges on the next day, when I logged into Regions and I immediately called my son ( this is his account and I am on the account with him. ) Regions also charged {$84.00} in overdraft fees and ATM fees. My son went to his local Regions in XXXX Alabama to file a dispute. That was almost 3 months ago. Regions is refusing to replace the money saying that someone used the actual card and PIN to withdraw the money. This is an impossibility because I went into the file cabinet when the banker told us that the card used was the one that had been issued to me. The card was indeed in the file cabinet, in the envelope from Regions that the card had been sent in. I have the card in my possession right this moment. The card absolutely WAS NOT used to make these withdrawals. We have filed 3 disputes and they keep denying the disputes, not giving us any solid reason. I have also filed a complaint with Regions but was told yesterday that NO ONE will be reaching out to me regarding this complaint. I was also told that I could not speak to whomever investigated the fraud. It seems to me that no one at Regions is being held accountable for the decision and we are getting no satisfying explanation regarding their decision. My son is a XXXX XXXX who is supporting himself while putting himself through school. This is a huge amount of money to him and in fact, it was part of his student loan for this semester. Please help us to recoup this money. Thank you.
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| 02/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Hello, On XX/XX/2023 I called Regions bank when I noticed my bank cards and my phone were stolen, which also had my debit card inside. I immediately told the customer representative that I wanted to place a lock on my card. I was also told that {$2900.00} was stolen out of my account. The Regions customer representative told me that the investigation would take up to 10 business days. About 15 days have passed and I haven't received any type of update about my claim.
I called Regions bank again on XX/XX/2023 to check on my claim since I have not received any update via email or XXXX and I was told the claim was denied, I proceeded to ask why and the representative told me because I authorized the payment. I told the representative " No I didn't '' I was unaware of the charges and I was never contacted about making the charges to my account so how is that possible? I was told a text message was sent to my phone and it was authorized. I told the representative my phone was stolen like I told a Regions Customer Representative on XX/XX/2023, so it's ridiculous that it was denied when I didn't have my phone to even authorize the charge. The representative I spoke to on XX/XX/2023 told me that the information was then added to the notes and I would have to wait another 10 days for the claim to be investigated. I wasn't even in Georgia at the time of purchase, I was in a different state. I attached my flight itinerary on the complaint It's ridiculous that the first I spoke to didn't take good notes of my investigation the first time, otherwise Regions would know that I didn't authorize those charges because my phone was stolen. Now I am late on my school tuition and have to pay late fees because my money was stolen.
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| 05/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/2022 I stopped by the XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX to open a checking account.
I believe I was discriminated against by Regions Bank because I am an XXXX American XXXX.
I was interviewed by a female bank representative. During the interview she gave me the impression that I was approved for a checking account. I listened to all of the prospects and opportunities I would have as a Regions Bank customer.
I previously had a good relationship and banking history with Regions Bank. I did experience some financial hardships while my account was opened but I resolved all balances with the bank.
I was denied the opportunity to open a checking account. Regions Bank moved to deny me the opportunity to bank with them again. I believe this was done because of erroneous information in the XXXX XXXX reporting system. I also believe that Regions Bank - just like other banks have discretion to take XXXX XXXX and XXXX XXXX information at face value - banks also understand that the United States is still recovering from an international pandemic and not every person has a pristine banking history. Based on my previous history with Regions Bank - I believe the bank should have considered this information as well.
I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXXXXXX XXXX on XX/XX/2022. XXXX XXXX XXXXXXXX XXXX also received a notice from XXXX XXXX but based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps Regions Bank should consider other product offerings including but not limited to second chance checking.
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| 07/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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I checked my account online on XX/XX/19 and notice XXXX debit card transaction that I did not make. I called Regions ' Bank XXXX Customer Service Dept. The associate review the transaction and advise me that my debit card was compromised, she then immediately closed this card and is re-issuing another card with a new pin. I went to the local Police Dept. to file an official report and my wife went to XXXX 's Bank to see if we could get this reported to them and our money back. The customer service representative stated the items were in a pending status and there was nothing she could do until they post to the account and we could be looking at XXXX weeks. The fraud caused all of our money to be taken as well as future XXXX deposits from my vendors. I had planned a trip for my grandson this weekend as he is turning XXXX XXXX XXXX and have never been to XXXX. I have gotten absolutely NOWHERE with Regions, just there is nothing we can do. I told them that if the items are still pending, why can't they simply not pay them against the account. This is XXXX items totaling {$2800.00} and I have a total of {$280.00} in XXXX charges so when my XXXX deposit of {$2400.00} post to the account, because it is overdrawn it will absorb this money as well. The Tropical Storm is approaching and I don't have money to buy gasoline and Storm necessities. This is just wrong, that a financial institution can't do anything. I was told by customer service at the XXXX number, that they just missed this fraudulent transaction, because I did ask if they had anything in place that alerted them of out of country transaction. She further stated that perhaps I could " get a loan ''. I just need satisfaction of this most unfortunate issue.
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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My husband and I took a home improvement loan to update our back yard. The contractor referred us to the bank for finance of the project. We obtained the loan on XXXX XXXXWe were given a portal where all documents were stored until ready for submission. The Contractor advised on XX/XX/20 that he was going to seek a partial payment and if the bank calls say that the project was completed. I advised ok, but I was awaiting the call from the bank. The bank never called to check if the job was completed. I called the bank and asked about the partial payment they advised me that they had no idea about the specifics of the loan. I later received a bill from XXXX advising that we owe for the project. I called and the bank to advise that the job was never completed and I sent over documents that the advised he was only looking for partial payment the account was put in dispute the bank tried numerous of time for over 6 months to get the contractor to come and finish the job. Per, the bank contract it stated that if the job wasnt completed by XXXX the contract would be terminated or expired. The bank is refusing to rewrite the loan for what we owe or as it has been mentioned to terminate the loan. The bank is refusing to get our money back and practice in good faith. They are now reporting our account delinquent to the credit bureaus. They have documentation that the contractor admitted that he fraudulently withdrew the loan knowing that he had not completed the project. We have an open investigation with the XXXX for the contractor and now we are seeking resolution for XXXX. My husband is XXXX XXXX and this has whole situation has become a true nightmare. XXXX has been rude and uncooperative in mitigating this issue.
|
| 06/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX. We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.
|
| 04/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I am filing this complaint dating back to XXXX to present. On XXXX I had been in an accident and was hit by a deer. I filed the accident with my car insurance, XXXX, I had also found a body shop who was ready to fix the damage in XXXX of XXXX. When I received the insurance check of XXXX I went to the bank to deposit the check to pay the body shop. I had never dealt with insurance check before and I had thought that was the appropriate way of handling things. Once I placed the check into the ATM on XXXX, a hold was placed on the check for missing an endorsement from my XXXX, XXXX XXXX XXXX. On XXXX the funds were taken out my account for lack of endorsement. I NEVER had access to any of the funds. I contacted XXXX and XXXX XXXX stated the funds had cleared from their account on XXXX and no refund to them from Regions has been made. I have been in contact with the Branch manager, XXXX, at the XXXX XXXX XXXX in XXXX, TN multiple times and haven't gotten a clear answer on why the funds are not able to be released back to XXXX. I used to bank with Regions and do have a joint account balance with my husband of XXXX that has since been shown on my husbands credit report. I have asked XXXX if I were to pay the remaining balance due if the check could be released and he stated, ' I do not know. ' I am unsure why this insurance check is being held in an internal account as I have been told. My vehicle has been completed and ready for pick up since XX/XX/XXXX. I am currently without a vehicle as my 2nd car is no longer drivable. The body shop has stated they will start charging a daily storage fee as it has been 90 days now. I have done everything to try and resolve this matter and I am just wanting my car back.
|
| 08/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have a new truck loan with regions bank in XXXX XXXXXXXX flAbout XX/XX/2019 I get a call from a bank manager XXXX who states someone pretending to be me is trying to cash a check against my checking account the police are called the person is arrestedI’m then told I must sign a release form or my account will be frozen and my automatic payments for my truck can’t be processed from that checking account I must appear in person and have the funds transferred to a new account I then ask since I live in Colorado can the balance be applied to my truck loan I’m told no so I have regions send me a new form for auto payments and I think all is well I see the payments going out to them monthlyThen on XX/XX/XXXX I get a letter with my name on it that’s got the wrong mail address on it starting they took out money from my checking account from regions to pay my past due truck payments first I know of any problemI cont my bank in Colorado and I find out regions stop taking payments out in XX/XX/XXXX I call regions and I explain this to 4 different departments with four different reason why payments stop coming from bank of Colorado none where for no funds availableMy credit is ruin as of no from 4 non payments I ask the bank manager in XXXX XXXX regions bank and to my surprise I find out my account was never frozen so I ask why cant I have my payments taken out of that accountThey are going to get back to me regions has my correct mail address as I get monthly statements from them from my checkingI have received no loan statements in 5 months I don’t know what the big withdraw from my supposed frozen checking account at regions is for or broken down and no one will XXXX any question as to why this happened
|
| 11/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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Hello my name is XXXX XXXX XXXX XXXX and I am a cardholder at Comdata, and I have been a victim of fraud. And I have submitted my claims online like I was ask to and yet I have only received just a little over {$200.00}, when I have been stolen much more than that, ( over XXXX ) I would like to know that status of my claim. I have not had any reach out to me and I am falling behind my bills. I feel that I shouldnt be responsible to these withdraws when I had called COMDATA to close my card because it was stolen and they submitted my request for a new card but never close the stolen card. I was exposed to a tremendous loss of all my funds and I am requesting a refund, due to a lack of processing a request. I submitted my claim on XX/XX/2021 and it been almost months and I havent heard anything from the fraud claim department. I have filed a police report and I have attached it along to this letter. I will also include a summary of the claims and the dollar amount that I have submitted.
XXXX XXXX XXXX XX/XX/2021 {$43.00} XX/XX/2021 {$200.00} XX/XX/2021 {$23.00} XX/XX/2021 {$200.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$42.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00}
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| 09/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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Web |
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regions bank XXXX XXXX XXXX XXXX XXXX took XXXX from my account i had a checking and savings i deposit XXXX i did a cashier for XXXX and another for XXXX gave it to XXXX XXXX XXXX to purchased me and my XXXX kids a home to call ours they cash my cashier check without giving me keys for the trailer my lawyer XXXX XXXX XXXX XXXX has copies of contract where the contract for trailer said paid and full XXXX XXXX XXXX XXXX, XXXX XXXX XXXX took my funds tried giving me a trailer i never pick i waited three months for a trailer i never chose they known for taking some customers money and keeping the trailer for them after this happen alot of fraud been going with my accounts checking and savings i should still get the trailer they played me with willing to give XXXX back alot but they cash out XXXX from me and tried giving me 8 sets of keys for a trailer that suppose to be ordered and me and my XXXX kids waited three months until they tried giving me and my family an awlful trailer that i never chosen and also they been having lots of fraudelent on my account i was unaware of i got into accident XX/XX/XXXX XXXX XXXX had XXXX XX/XX/XXXX had XXXX again XX/XX/XXXX on my XXXX the XXXX were out i deserve to have money into my account XXXX for my kids for when they would get into college i really been getting messed over im missing my XXXX out of XXXX XXXX XXXX XXXX XXXX me and my kids still not in a home i need my funds back can yall please help plus i waited three years for my settlement i got XXXX on highway in XXXX XXXX XX/XX/XXXX we deserve our funds im going to be XXXX XX/XX/XXXX life wasnt easy i couldnt work i had XXXX XXXX XXXX XXXX i really need it back thanks my name is XXXX XXXX XXXX XXXX
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| 10/24/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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The appraiser required : " 1. ) The roof over the carport has leaked in the past, Repair roof if leaking and receive a letter from the roofing company that the roof is repaired.
2. ) Replace rotten wood on wood deck and facial around wood deck and stain deck and steps. '' The realtor called a contractor but did not mention the leak to him. The evidence of the leak was repaired and the appraiser returned signed off on the appraisal and sent it to underwriter with the following comment. " Receive a letter from the licensed Roofing Company that the roof is repaired and leak should not reoccur. The subject property conforms to V.A. Guidelines. " Regions never the received the letter from a roofer because one was never done. The underwriter approved the loan we closed the loan. Regions feels they have no liability even though the VA specifically says " 36.4344 ( c ) VA minimum property requirements. Lenders are responsible for determining that the property meets VA minimum property requirements. The separate instructions issued by the Secretary will set forth the lenders ability to adjust, remove, or alter the fee appraisers or fee compliance inspectors recommendations concerning VA minimum property requirements. Condominiums, planned-unit developments and leasehold estates must have been determined acceptable by VA. A condominium or planned-unit development which is acceptable to the Department of Housing and Urban Development or the Department of Agriculture may also be acceptable to VA. '' The realtor told me the repairs were done, the evidence of the leak was covered up. The only way I would have know it wasn't fixed was if Regions had done there due diligence. This is a {$50000.00} repair.
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| 05/31/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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There is no timeframe mentioned on when a Deposit on Demand Account may be closed with a XXXX balance. Consumers should be informed that have to keep at least a balance ( whether it is {$0.00} or more ) before restricting services. Without this expressed in writing, I emptied my bank account on XX/XX/XXXX. My next direct deposit would XX/XX/XXXX. My account statement cycle ends on the XXXX business day of every month.
On XX/XX/XXXX, I sent a payment of {$27.00} through XXXX to another account from my personal Regions Bank checking account. After I sent the XXXX payment, my account balance was XXXX. My direct deposit was not expected to be delivered into this account until XX/XX/XXXX. I have this account established solely in my name and the account is over 5 years. I was told on XX/XX/XXXX that XXXX account was not in an open status.
XXXX, a personal banker from Regions XXXX by phone, said my account could not receive a XXXX payment of {$25.00} on XX/XX/XXXX. XXXX said my account status requires me to go into a Regions bank location or use my debit card at a ATM to deposit because I left my account at a XXXX balance.
I asked XXXX to send me a copy of the deposit account agreement. She said she could not because Regions does not do that my phone. She transferred me to another personal banker named XXXX to further assist me. XXXX confirmed that Regions could not mail the Deposit Account Agreement by phone request. After looking at my online banking, I finally obtained the current copy of the Deposit Account Agreement. In it's 78 pages revised as of XX/XX/XXXX, no where in the agreement does it state Regions reserves the authority to " soft close '' my account because I emptied my funds.
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| 03/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2022 I deposited a check in the amount of {$3800.00} using the ATM located at Regions located at XXXX XXXX XXXX XXXX, TN XXXX. The check that was provided to me is from the XXXX XXXX Assistance which helps individuals who are struggling with their rent and utilities. This organization is paying two months ' rent for me and my family which would stop the eviction process BUT Regions has put a 10-day hold on the check-in which I may be evicted. The email that was sent to me from Regions states " If you were not informed at the time you made the deposit that a hold would be placed on the funds, and the item you deposited is eventually paid, we will refund any fees for overdrafts or returned checks you may incur solely from the delay that we have placed on these funds. You may visit any Regions branch to get a refund for such fees.
We are sorry for any inconvenience this may cause. If you have any questions about this notice, you can : '' I was not informed right away about the hold, after speaking with an agent at regions, she explained to me that once I deposit the check into the atm it will post the next morning are if I could make it to the bank before they close, I would be able to receive my funds right then. I did not make it on time so I did what the agent suggested by depositing into the atm. The funds did not post as she suggested, so I called back on XX/XX/2022 and was told by a different agent that they are going to hold the check until the XXXX of XXXX. I asked her why and she explained to me that is unusual for them to hold a check under {$5000.00} but that is what their system is telling her. I explained to her that is the second time this has happened to me at regions.
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| 10/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully.
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location.
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion.
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!
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| 11/07/2018 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Trouble using the card
- Problem using the card to withdraw money from an ATM
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Web |
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On XX/XX/2018, I attempted to withdraw the sum of ( XXXX ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already
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| 07/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.
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| 01/10/2024 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On about XXXX XXXX, I received a call from the manager at Regions Bank at XXXX XXXX XXXX XXXX XXXX TN XXXX Inquiring if I withdrawed a large sum of money from my XXXX XXXX account early in XXXX, which I told her no and I asked if I should come to the bank.
She copied my ID and I saw a withdrawal slip with my printed name on it, a signature and my account number. With date if XX/XX/ with the amount of {$1800.00}. We both agreed that was not my handwriting.
I also asked her what made her look at my account and was informed that an investigation was in process regarding other accounts and that I should get my money deposit back in my account within 30 days.
On XX/XX/XXXX, I received a letter denying that I would not get my money back because I didn't report it within 30 days. I protested and the bank reopened the investigation. On XXXX XXXX XXXX I received a 2nd with the same denial letter.
This account was part of my retirement plan so I never withdrawed money since I opened it. I check my quarterly for amount of interest earned because i only made deposits. I was in the bank on XX/XX/XXXX to stop automatic deposit in my money market account as I retired on XX/XX/. The only thing I did on XX/XX/XXXX was spoke with customer service representative at his desk and no teller transactions was done.
If an investigation was done, and if cameras were in the bank it should have showed who took my money and which teller gave the money.
I put money in the bank for safe keeping and not have someone to take it.
Please help Thank you kindly See attachment of unauthorized withdrawal slip and my withdrawal slip with my handwriting signature XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX or XXXX XXXX
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| 06/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage was sold twice to new Servicing Banks. Each new Servicing Banks ( Regions Bank and XXXX ) did not offer a bi-weekly payment program. This program is of great interested to me. To manage this lack of service I chose to pay at least 1 month ahead in full and early. After the additional payments were made I submitted partial payments equal to more than half of my monthly mortgage payment intending to create my own bi-weekly payment program.
I was told that the bank can not accept partial payments even if the payment history is caught up and future payments were already paid. They said any additional payments would go to principal. Since in order to leave the servicing bank I would need to refinance I have no choice but to be forced into living with these unacceptable banking practices.
To me this is clearly not in the interested of the borrower and is intended to make it harder to pay down the loan early. The excuse that they can not hold a partial payment because of technical reasons is unacceptable.
I do n't believe that this " Common Industry Practice '' is appropriate or even ethical. If a borrower is up-to-date and ahead on payments they should have the right to pay partial payments on a bi-weekly basis to help with budgeting and early pay down of the loan.
A consumer should not be forced to stay with a bank because their loan was sold if they do not like the agreement. The consumer should have the right to change banks without cost to them if they do not agree to new payment limitations. At the very lease a consumer should have a say as to what happens to their extra mortgage payments without the constraints of bank procedures that are not in the clients interest.
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| 04/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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On or around XX/XX/ I opened and account with Regions Bank for the company XXXX XXXX XXXX XXXX XXXX ( I, XXXX XXXX XXXX, am the president of XXXX XXXX. On that date I deposited only {$1000.00} dollars.
On the date indicated the Bank sent me a Debit Card. I do not remember if I received that Debit Card or not. I never remember or wrote down the PIN.
On XX/XX/ the card was activated. I did not activate the card. Regions does not have security steps to activate a debit card. Somebody may have my name and my SS and call and activate the card. The problem that Regions lacks one important step in the activation process. They do NOT sent a request to enter a PIN to activate card ( others banks do this like XXXX XXXX, etc. ) Then Regions allowed to change the PIN or use the one that I have created at the time of opening the checking account.
Please remember that I did not wrote or even remember the PIN I created when I first open the Checking Account.
Notice that the first fraud activity was XX/XX/ and the Bank never took action to cancel a card that was sent in XXXX. same year. How come they keep as valid a card for more than 5 months?.
Next, once the charges started on XXXX Regions does not have any security like : 1. Informing me that there was too much activity on a card that has never been used before.2. Regions even allow large purchases to go in without stopping them, for example, XXXX XXXX # XXXX, 3 purchase for {$500.00}, {$1000.00}, {$2500.00} same day same time on XX/XX/.
Region fail in stopping these transactions ( see statement ).
I believe that the bank failed in his security too many times and therefore they are liable for the charges incurred into my checking account
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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My credit report is showing a debt and judgement owing to Enerbank USA out of Utah. Unfortunately after numerous attempts to satisfy this debt, Enerbank and their " Confidential '' attorney 's office handling the file, have repeatedly refused to help me or send any information to aid in the payment of this supposed debt.
On Thursday XX/XX/2023, I requested information pertaining to the debt that has been reporting on my credit report. When I spoke with the representative, she said my request has been sent to the Attorney 's office handling it and I should receive information shortly on how to pay it off, if the debt is legitimate. I waited patiently for over 3 months with no email, phone call, or text message from the creditor ( Ener Bank ) or their " Confidential '' attorney.
On Thursday XX/XX/2023, I again reached out to Ener Bank to try to obtain any information I could to try and resolve this negative impact on my credit report. When I spoke with the representative, she was unable to give me any information on the amount of the debt, how to pay it ( if it is even owed ), which attorney is handling the debt for their office, the name of the attorney 's office who is handling it, how to resolve the supposed debt, when I would hear from the attorney 's office that is handling it, contact information for who could help me either make a payment or how to verify this debt is accurate.
I have had several months elapse where I have not ben able to satisfy this debt due to the secretive and disorganized nature of this creditor. My credit rating has suffered and now this account has likely accrued 3+ months of interest that should not have been accumulated on this supposed debt.
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| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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Topic : Regions Bank is involved in misguided advertisements and collects hidden fees that were not disclosed with the promotional material.
I received a promotional code ( XXXX ) from Regions Bank with an offer to receive {$400.00} bonus upon online account opening and making XXXX debit card transactions.
In order to receive the offer i opened the account on XX/XX/2021 with online deposit of {$400.00}.
Note : 1 ) I received debit card late for me to complete the XXXX debit card transactions. Some transactions got delayed posting on the account.
2 ) I called the customer service XX/XX/2021, inquiring about {$400.00} bonus. I was told that it is for the branch discretion if they would honor the {$400.00} as i have delayed posting to the account.
3 ) I was charged $ XXXX monthly fee for XXXX month. Upon calling the customer service i was informed that i should have minimum $ XXXX to avoid fees. I deposited funds through XXXX to be above {$500.00}.
4 ) I was again charged $ XXXX monthly fee for XXXX month. Upon calling the branch, i was told that the minimum requirement for the account is {$1500.00} or payroll direct deposit. This was never communicated to me in the promotional offer letter ( enclosed ) 5 ) I was told the branch representative will call to address my concern. I did not receive any calls from Regions Bank.
6 ) At this point, i wanted to close my account. I was informed that it will cost me {$25.00} to close account, if the account is less than 6 months from date of opening. This was never disclosed on the promotional card enclosed for reference.
Regions Bank is operating a SCAM scheme of duping innocent borrowers with bonus offers and false advertisement.
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| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I opened a business and personal account with this bank. I have deposited over {$10000.00} thus far without issue. I have been in business over 2 years without issue and with a B rating on the XXXX as well as a 4.9 out of 5.0 rating on XXXX. I have maintained a business with integrity and honesty. When I opened my account it was frozen for weeks due to a security risk from e-checks. I provided all documents to prove my customers are real, including signed contracts for each. I have included my {$75000.00} bond information as well as my registration with the department of Transportation and the federal motor carrier safety administration. The bank decided to freeze my account due to echeck and asked that I take ach payment. I agreed to do so and stopped all business while they set up my ach. They took several weeks, then told me to continue with echeck while I waited. They then said they would not allow me to take ach and I must stop taking echeck immediately. I gave the contact information for each customer including name email address and phone number for them to verify. I believe being a XXXX XXXX XXXX had been the main issue with me being blocked from operating. They claim because I have no business credit that they can not allow me to operate through their bank, yet Ive been over 2years in business even surviving the pandemic. I cant imagine how a XXXX XXXX XXXX would up credit to their satisfaction. They seem to have an issue with my particular XXXX and I truly fee its because its XXXX XXXX. I would advise any XXXX XXXX XXXX of any race to avoid this bank. Ive wasted over a month doing everything they ask, and putting my XXXX on hold only for them to make false excuses.
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| 05/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Attempts have been ongoing since XX/XX/XXXX to inquire about discrepancies within our loan balance. We believe our loan should be paid off, yet Regions states we still owe approx. XXXX more. We believe our original loan was XXXX equal payment of {$430.00}. As of XX/XX/XXXX, we have paid that amount. In XXXX, we filed bankruptcy and reaffirmed this loan. That reaffirmation agreement included 4 extra payments ( XXXX total ) even though agreement states there were no changes to original loan. We have recently ( XX/XX/XXXX ) paid those 4 payments, even though there has not been any explanation for those extra 4 payments. With these 4 payments, our bankruptcy reaffirmation agreement has been met. We have requested our original loan agreement several times. We have requested with several associates to investigate discrepancies with possible errors in payment processing. All attempts have been ignored after initial request. Our home and future credit is now in jeopardy. My attempts started with my local branch in XXXX, Ky. The manager literally threw his hands up at me and stated that his office could not/would not do anything else for me -- - this was my first official meeting with him! He also told me that I shouldn't pay anymore payments and that maybe whomever came to repossess my home might be the person who would have the information I was seeking about my loan -- -REALLY???. This is how Regions treats someone that has faithfully made XXXX + payments for past XXXX? When inquiring about loan, I have be been accused of not making payments... even though they had payment history, but refused to look through it. I have been disrespected/ ignored throughout the entire process.
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| 05/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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We have our accounts with XXXX XXXX and use Bill pay through them. We had paid the first few payments and they got them to Regions Bank with no problem. About XX/XX/XXXX Regions bank contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted XXXX XXXX both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at Regions bank.
I have spoken to both Regions and XXXX XXXX at least 15 times two times it was a conference call. XXXX XXXX has debited my account for the payment both months but no one seems to do or really care how long this process takes.
It took me 3-4 phone calls to Regions for them to understand that this was not a check in the mail. It was send electronically from XXXX XXXX to Regions and has been accepted on their end and put somewhere. Two seperate times XXXX XXXX andI have sent proof of payment to Regions bank and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars.
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also.
We are seniors my hubby is XXXX and XXXX and very ill and I am taking care of him. This hardship is killing my ability to care for him.
Please help me if you can neither of these banks seem to know how to solve a problem.
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| 10/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Regions bank stole identity and used my SSN as a fake LLC and went back to 2017 when opened account and forged an application of me paying myself as a XXXX to myself so I looked like both the borrower and the loaner and falsified all XXXX MTHS of statements until this mth stealing my savings account and making it the funding account to my deposit only checking account and turned checking account into a credit deposit like pre paid gift card type deal using my employee wages and churning like {$6000.00} deposits out with falsified withdrawals equalling same amount in like XXXX days out of XXXX day billing cycle making me go broke paying myself entire time - changing and forging all my checks and charging {$50.00} fees on a {$4.00} account and undoing all my auto pay bill payments making them late and unpaid and making entire XXXX yrs as if I had no job income and now interest and dividends only and turning into stocks now saying they are my debt collector for fake liens per my dept of revenue tax ID account and stole all interest made on every account and converting into foreign currency and charging 4 % for my electronic transfers btw accounts and pretending I had cash advances and balance transfers and bill pay from them when I was locked out of online account for most of this year forging fake letters sent to me changing my account etc - over XXXX dollars they falsified splitting cycle into half months like {$6000.00} in XXXX days then another {$6000.00} second half month stealing my collateral credit card opened with {$500.00} own money and said I had line of credit w them and really used it to pay my fake credits worth nothing now as my income in checking account
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| 05/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
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I had an account with Regions/Enerbank ( account # XXXX ) and never once made a late payment. In XXXX, XXXX, they were sent a check for more than the total balance. The check was cashed by them on XX/XX/2023, but was not applied to my account until XX/XX/XXXX. They claim they could not find the payment. The XX/XX/2023 statement shows that they claim the total balance was {$16000.00}. They cashed a check for {$16000.00} the previous day and then proceeded to add a {$30.00} late fee! The check they cashed was for {$190.00} more that the total amount owed ( before the bogus late fee ).
My bank confirms that Regions/Enerbank received the check and the money was placed into the their account on XX/XX/2023. In the time between XX/XX/2023 and XX/XX/XXXX, they charged me {$210.00} in interest even though the loan was paid in full and then some. The check that was received and cashed by them was for {$16000.00}, but they applied only {$16000.00} to the balance claiming the rest of the funds were for " interest and late fees. '' To add insult to injury, they are billing me for yet another {$47.00}. They actually owe me money.
It is impossible to get information from their website relating to prior statements, total amount owed, etc. Once the date has passed, the information is taken down. I called them several times ( waiting on hold for more than 30 minutes each time ), emailed them a copy of the cashed check information and yet, they still charged me a late fee and did not apply the funds until XX/XX/XXXX. They charged a late fee the day after the amount was deposited into their account. This business is a complete scam and needs to be investigated by banking officials.
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| 08/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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This has been going on very continuously the past 6-7 mos. I never signed up for overdraft. I have locked my debit card for over a month now. With regions lock it. I have been charged {$36.00} numerous times. If there is even 1 cent in my account they have paid for things as silly as a {$1.00} membership to some app then charge me {$36.00}. If the money is not in the bank I cant withdraw from an atm. Or use it anywhere. So how is it legal for them to choose what they want to pay for.? I'm so fed up with regions bank. If I were to go back from the time I opened my account til now it would be over {$1000.00} in fees. Then if its negative already and then charged and charged I am just too the point I feel robbed. They have changed the type of checking account I have with no notice of monthly fees that would be charged. I will not pay another penny to them. Because of all the money they have robbed of me they should have plenty to cover whatever amount it is today they say I owe now. I dont even use this account anymore. I go from having {$41.00} in the bank to within a few days - {$130.00} then two weeks - {$250.00} how is that possible when I personally have not used the account and it is supposed to be locked. I have cancelled everything. And they still find something to mess me all up over and over month after and I have had enough. If they want to report it to credit. I dont care. It will be worth not to see another dime of my money to go to that bank. I'm changing to a new bank. New start. Regions bank is horrible. Any bank that takes your money when it is not available is ridiculous. I never signed up for protection. So therefore it should of never happened.
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| 10/18/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXXXXXX XXXX XXXX I was going over my company 's BP Business Solutions Card Statement when I noticed that there were 2 charges for fuel purchases of {$500.00}. One was on XXXX and the other was on XX/XX/XXXX from different XXXX locations. The same day I called BP to dispute the charges. I have been with them for 5 or more years and my fuel purchases never run over {$45.00} or {$50.00}. I told them that these were not my company 's purchases. The BP Representative asked me many questions and when I had answered them, he said I would be contacted by BP after their investigation was completed. Can't remember the exact amount of time they told me but when I didn't hear back from them, I called BP. When I asked the BP Representative about the progress of the investigation, he told me the case was closed because they did not receive the documents, they emailed to me to sign and return to them. When I told him that I was never instructed to sign anything and that the email they sent me said only that documentation for both disputes was attached, which I took to be copies of the dispute taken over the phone, he said there was nothing he could do, and the case was closed. I also talked to the representative 's manager who told me the same thing. Additionally, I followed up with and email on XX/XX/XXXX and did not get a response.
Recently, I found your website hoping that you would be able to help me with this situation. I called and was told to fill out a complaint form online. I am attaching copies of BP Mastercard dispute information emailed to me and my email response to them requesting that the case be reopened based on my explanation as stated above.
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| 09/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Account was hacked and login information including address changed so that thieves could have physical debit card mailed to their address. I was not notified in any way that information had been changed from the bank. I opened new account and transferred money into new account and froze the account that had been hacked. Within one week of new account opened and absolutely no online transactions banking authorized {$10000.00} was transferred from my new account back into the old account that I had frozen. The Bank refuses to or denies any capabilities to find out who where or what made that transfer from the new account in which no online banking was authorized and account was supposedly locked for anyone including myself to do so without personally going into the bank and showing proper ID. I now have around {$11000.00} floating around at bank supposedly frozen that I am being told I have to wait for. The Bank could not even tell me how long I am going to have to wait for it to clear and them be able to refund my money and permanently close all of my accounts with the bank. I am not being forced to employ credit ID fraud company to monitor my accounts in an attempt to protect my ID and information from whomever is attempting to defraud my identity. The Bank is absolutely zero help and no one is reporting to authorities or police. I am personally reporting all the information to the cfpb and FBI. How can a Bank not have the ability to trace where a {$10000.00} transfer originated? The bank employees only used a simple chat room to attempt to answer my questions. No one was trained or had ability to deal with fraud or properly go through account information.
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| 05/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
In accordance with the Fair Credit Reporting act REGIONXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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| 09/18/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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Ive banked with Regions for over a year and have had issues with my balance not matching payments and money missing so I started taking screenshots of my account when I would make purchases. Recently I paid a bill and then deposited money into my account. The money for the bill was removed BEFORE I deposited the money and then I paid some credit card bills. The next day my card declined and I opened my online account and I was negative XXXX dollar which wasnt possible. I went through it and overnight my account balance was higher and my first bill I paid before the deposit went in again AFTER the deposit. I called customer service and they said my balance on online banking was incorrect from pending transactions but my ATM receipt from my deposit says the same thing my online banking did before the transactions posted. I went through my screenshots of my account and added everything up from the last week and my account is short {$78.00}. They stole {$370.00} dollars from me last spring when I cancelled a bed set because the company was out so I moved money from my savings to my checkings to buy a different bed set until my refund went through. The money was immediately taken out and the next day I deposited a check for {$600.00} the next morning my account was short and like this time my purchase for the new bed set went through AGAIN when my check cleared. Im sure if I go through and add up when Ive had a lot of transactions Id find more money missing but that time I unfortunately didnt have any proof thats why I started taking screenshots of my online banking. When I make a lot of purchases or pay a lot of bills my balance fluctuates when items post.
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| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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On Friday, XX/XX/XXXX, I thought I got a job as a XXXX XXXX I carefully researched the company and everything. I deposited a check to my checking account through the mobile app for {$3500.00}. I went the next day and made a purchase for {$3000.00} from the XXXX XXXX because the check had cleared the bank in my account. On Monday, I deposited another check from the same person for {$2500.00}. Something didn't sit right with me and I notified the company and asked if this person was an employee and they said no. I realized then I had been scammed and I called the police to file a report. On Tuesday, XX/XX/XXXX, I went to my local branch at Regions to tell them I thought those 2 checks were fraud and what could I do to get my money back. The gentleman there said they had cleared my account so nothing could be done yet. He did file a claim to appeal and try and get my money back for {$3000.00}, but I have yet to hear anything from that. The next day, the {$3500.00} check did come back out of my account so I went up to the branch at Regions in XXXX, TN, and spoke with the assistant manager. This was after calling the XXXX number and them instructing me to go to the branch so they could help with fraud. The assistant manager was horrible and basically said there was nothing they could do because I deposited the check and spent the money. It has been days and I can't get any help from Regions even though, everyone I speak to says they should be helping me. Now, my account is locked and I don't even know what has cleared and what isn't.
I do know that right before my account was locked, the other check for {$2500.00} was also coming back out of my account.
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| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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on XX/XX/XXXX, I physically presented my passport which is already on file with Regions since XXXX. Upon to reporting to the bank, i requested to open a savings account to be attache to my existing checking account. XXXX XXXX, regions banker was provided my US Passport for identification which was immediately refused as she stated she knows me as a long-time customer so no need to take my passport. At that moment, XXXX requested my social security number and have be verified my ATM Pin Number and begin to process to open the savings account which was finalized. Accordingly, {$1700.00} was transferred from the checking to new savings account.
To date, XXXX XXXX failed to document the details on account which causes several overdraft fees on my checking account due to inability to transfer my funds from the savings account to the checking. I have had several issues with regions bank due to the negligence and poor customer service. I was told I i cant use my account on XX/XX/XXXX and I will continue to assess fees. The other Agent K of Regions told me that a US Passport is not valid to open savings accounts and that my UNEXPIRED Passport is on file is not accepted for avoid fraud or risk and that it does not matter if am a customer since XXXX with the same passport. I am so so stressed which triggers my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am must now alleged that am denied equal opportunity and being treated prejudiced. I will forward my complaint also to the comptroller 's office.
this history with XXXX XXXX to be doing a poor job is becoming chronic as this is the 2nd time she has failed to do her job effectively and only caused me stress and XXXX
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| 09/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, On Saturday morning, XX/XX/XXXX, near XXXX XXXX, I called an XXXX to go home. I was waiting for my XXXX outside the XXXX XXXX in XXXX when I hoped into a car who claimed to be XXXX. It was very late at night so I didn't recognize. Once the trip started, I found out it wasn't my XXXX. The lady said she made a mistake. I immediately cancelled my XXXX through my phone. She said I could pay her by using the credit card processing machine in her car. I said yes and input my card and entered my pin. She saw me putting in my pin number. She looked at the machine and said the transaction didn't go through. However, she said she feels bad for wrongly picking me up and causing me to miss my XXXX.
Everything was fine until on Sunday, XX/XX/XXXX, afternoon, I checked my wallet and it did not have my debit card. I panicked and checked my bank statement. There were 4 fraudulent transactions that had occurred. One at a XXXX XXXX ATM ( not my bank ) for {$800.00}, one at XXXX for {$330.00}, one at XXXX for {$300.00}, one at XXXX for {$330.00}.
My bank, Regions Bank, has denied my dispute twice despite me filing a police report. They have even gone on to said they won't look at the CCTV footage and if the police were to provide it for them, they wouldn't consider it since my PIN was used. They claim since my pin was used, I am liable. They are not considering my PIN is compromised.In short, they are saying a PIN can never be stolen. They are saying there is no such thing as PIN fraud. I am deeply angered and hurt that my heard earned money is not being refunded to me by the institution that promises to safe guard it. Please help me get my funds back.
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| 07/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/XXXX I received a phone call from a regions bank representative. The representative was a man. He proceeded to inform me that my money-marketing account had a fraudulent transaction and the protocol he wanted to make sure it was not me.He proceeded to informed me that the transaction was from Texas.I took the extra precaution to called the XXXX and it came back to Regions Bank . I proceeded to the call with the representative on my other phone. He proceeded to tell me I had to reset my password and he helped me with changing it to a XXXX XXXX .After he helped me with that He proceeded to also give me an Investigation number for this whole fraudulent activity and the was XXXX.He said that he had to remove the 2 XXXX phone that was being used for XXXX XXXX.He informed me that someone will contact me the next to day to keep me informed on my fraudulent transaction. The next day I received a call from female Regions Bank representative inquiring if I try an ACH transaction to an XXXX XXXX XXXX in total amount of {$52000.00} XXXX. I informed her that it was not me. I was told to go to the bank and they will give me a pin because it was not my usual ACH transactions. The representative assured me that the transactions didnt go through. They informed me at the bank that my account was locked. On XX/XX/XXXX I was made aware that my money was not in my account. All of this was done as an ACH transaction. I explained to them I did not receive a call from the bank to authorize these transactions. Like I normally do whenever a ACH is being done The bank informed me they was a FDIC bank. If they do not locate my money they cant refund it back to me.
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| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Over the past couple of months my business ( fleet ) credit card for gas purchases has fallen victim to a number of fraudulent charges that have posted to our account. The fraud protection system that the card uses flagged these as potential fraud and emailed me to confirm or deny the charges. In every instance I have responded that the charges were not authorized, and the card company blocked the compromised cards and issued a new one. When I received my statement I noticed that we were still charged for the fraudulent charges despite reporting that they were not authorized. I called the credit card provider earlier in XX/XX/XXXX and was told that even though we already reported the charges as fraudulent that we still had to submit a transaction dispute after the fact. I submitted disputes for 4 charges on XX/XX/XXXX and 2 more on XX/XX/XXXX. For each of those disputes I received notices back a week later stating that we will not be credited back for those charges because we have more than 10 cards. Today I have submitted disputes for 3 more charges and I have 3 more to dispute, but the card provider 's website seems to be down. I expect that the responses will be the same as those I have already received. Since the beginning of XXXX we have flagged {$1300.00} in fraudulent charges that the card provider has not credit back to us. Dates and amount of those charges are as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00}
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| 07/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I have been charged over {$1000.00} in overdraft fees by Regions back over the past year. I am a XXXX XXXX who also works full-time making the Illinois minimum wage of {$8.00}. The fees charged by regions are exorbitant. While they are technically " legal '', they are predatory with no relief for the struggling consumer. For instance, my most recent overdraft was caused by a single bill which automatically comes out of my account. However, because other items were pending, that single bill cost me {$210.00} in a single overdraft fee for multiple items that were " pending '' despite being drafted from available balance. {$210.00} for a {$91.00} overdraft which I covered by depositing money into the account the same day the charge appeared on the account. This is absolutely predatory as a charge for charges that are still pending. I brought the account current before the charges posted and am still having my hard earned money stolen from me. And the CFPB is supposed to protect consumers? Where is our protection from blatant theft like this? With so many companies forcing automatic withdrawals such as XXXX, XXXX and other services, it becomes exceptionally difficult for those of us making next to nothing to accurately monitor an account which always sits so close to the overdrawn mark. This practice of punishing the less wealthy for being less wealthy needs to change because what I would like to see, is the option to have an account that just simply declines ALL purchases that overdraw the account. If the money isn't there, don't pay it. I would much rather pay a late fee or a have a service shut off that be charged {$210.00} in a single overdraft!
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| 03/07/2023 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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Web |
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On XX/XX/2023 I went to make a purchase and noticed my balance wasn't correct. I called customer service number and was notified I had a pending direct deposit of {$1200.00} scheduled to be deposited into an account/card I don't have and one I did not authorize. I spoke to a live representative and explained what was going on and I was informed direct deposit was scheduled to be deposited on an XXXX XXXX card/account. I expressed I didn't authorize that and I wasn't the owner of that card/account. I was told since it was a pending direct deposit I would have to wait until deposit went through! But she would make a note on my account and I would be receiving my money back. Days go by nothing. I call for updates and told they see all this marked down but no update. On XX/XX/2023 I spoke to account representative and was told I needed to fill out dispute forms and if I had received them. I confirmed I had not so she emailed them to me. I emailed completed forms to dispute department on XX/XX/2023. I was then told after they received completed forms it could take up to 21 days to investigate and resolve dispute. Here it is XX/XX/2023 and I haven't heard anything. I called on XX/XX/2023 which is XXXX after " investigation '' was finally started according to customer service. I asked for status update and was told there were no updates. I asked for the number to the dispute department and was told they were not taking calls. I called back on XX/XX/2023 and told still no update but note was put in for someone from dispute department to reach out to me with an update. I emailed the dispute department on XX/XX/2023 and have yet to hear back from anyone.
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| 05/04/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/2021, my husband and I started the process of securing a line of credit/equity loan on our home. We decided to work with Regions Bank as I had a prior relationship with them. I was specifically working with XXXX XXXX, underwriter, XXXX XXXX and XXXX XXXX XXXX was also involved in the process.
There were multiple communications by phone and by email. At some point we were notified that that we were in the final underwriting stage and then all communication just stopped. This took place from approximately XX/XX/2021 - through about the end XXXX, end of XX/XX/2021.
After communication stopped - both by phone and by email, I made a final reach out to determine what happened and was advised by XXXX XXXX that our application was denied. I stated that we had not received official documentation outlining the reason for our denial. XXXX promised to follow up with me from their underwriting team and that a letter would be sent. A letter was never sent and has never been received.
We subsequently obtained a equity home loan from XXXX XXXX XXXX as of XX/XX/2021.
Can the CFPB assist in helping us obtain the official letter outlining the reason for our denial? I do not want any hard checks on my credit report, just to have an understanding why this is.
Additionally, in and around XX/XX/2021, I requested a credit limit increase on my credit limit on my Regions XXXX Card and avail myself of the multiple 0 % offers they provide as my balance was down to {$0.00}. Both of these were denied after hard credit pulls with no letter stating why the credit increase or the offers were denied.
Isn't this in violation of the Fair Credit Reporting Act?
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| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Contacted Regions Bank to request to have my payment adjusted in good faith since I have NEVER made any late payments and was advised that I am not able to have any adjustments on my account. I then asked the representative when did they send out my period statement and was it sent out 21 days before the due date and was advised that the statement went out in the mail and not sure exactly when the statement would have out. Which according to what Congress has stated is that " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''. I also questioned on why a consumer who is never late on payments can not have an adjustment on their account and the representative stated that they do not have away to adjust the payment history once it has been reported to the credit reporting agency. I am sure that if you can report something you can also send a notice to have to have the information updated. I also sent in a complaint and haven't do not see where they have notified the credit reporting agency of the account being in dispute due to a billing error. This reporting has caused my credit worthiness and general reputation to be in question and is not fair and unequitable. Please update my payment to reflect a good payment standing the account has been paid as agreed and should not reflect anything negativity on my credit.
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| 01/18/2024 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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My mortgage was transferred to a company called Regions Mortgage. The First payment to Regions was to be made in XXXX. I setup auto-pay through my bank ( XXXX XXXX XXXX who i have used for several decades ).
In late XXXX i received a notice from Regions Mortgage saying I had made no payments what-so-ever.
XXXX XXXX gave me the transaction ID 's for all the payments. They show the payments were deducted from my account.
I contacted Regions Mortgage. They had no record of any payment. They took all payments during that call using my debit card.
My XXXX XXXX account has shown 2x the number of payments I was supposed to make.
Regions Mortgage credits only the number of payments they took during that call.
I have sent them all the transactions via email. That was two weeks ago. They have not responded to my emails. They wont call. The last call was disconnected after being on hold for a very long time.
I have dont nothing wrong, and yet my credit report reflects negative. Also, I was charged a late fee. None of this was my fault. I have over-paid my mortgage by a considerable amount and I very much not happy with Regions Mortgage ( a company I did not chose to do business with! ).
I really need help fixing this. I don't have enough money to make 2x my normal mortgage payments right now. Times are tough, but when things get better I most certainly will continue making extra payments as I always have.
Attached are screenshots from XXXXXXXX XXXX showing payments made to XXXX ( previous mortgager ) and Regions ( new mortgager ). Also, I've included a recent report by Regions.
Thanks for any help you can provide XXXX XXXX XXXX XXXX, TN
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| 02/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Background - I refinanced my home loan and paid off debt with the equity. One of those debtors was a regions credit card ( {$7900.00} ). XXXX XXXX pre-printed the checks they inadvertently wrote regions ' check for {$7900.00} which was XXXX XXXX cents short.
On XXXX XX/XX/XXXX I made a pre-written check payment ( through XXXX XXXX ) to my delinquent credit card account. I made the payment at the drive-thru window at my local Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ). I did not follow-up until today ( XXXX XX/XX/XXXX ) as I assumed if there were issues I would have been notified. There was no notification neither from XXXXXXXX XXXX nor Regions.
On XXXX XX/XX/XXXX I called the " charge-off '' department of regions to inquire about the delinquent account. I was anxious and upset. I informed the regions representative as such. I maintained my composure however, the moment I stated my frustration seemed to trigger, from then on, a very negative condescending and authoritarian attitude. The bottom line was the payment was {$.00} short.
This is the issue. Regions took my money from XXXX XXXX and deposited it. Where it was deposited I do not know, it was not applied to my delinquent account ( per account statements as of this date XXXX ). It was not returned as insufficient payment, I have receipts for the processed check and the teller deposit, dated & timed. The account shows {$7900.00} delinquent. That means they most assuredly made interest from that money. After three months of holding my money they should credit the XXXX cents and write me a check for the balance of the interest from {$7900.00} for three months.
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| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Back in XX/XX/2020 I received a phone call from regions bank. They asked me to come in and verify my identity. I explain to them that I wont be able to verify my identity until I get my drivers license which was a month away. Fast forward to XX/XX/2020 I went inside the branch located in XXXX XXXX. The financial banker XXXX XXXX told me they just needed to verify identity. Keep in mind that I have an existing account with Regions Bank already. The banker told me that everything was gon na be fine and that my account was it going to be on hold. A few hours later they froze my account saying that they needed to investigate it. Because I have two accounts which I am allowed to have two accounts. They are saying that one account had the wrong social on it. Keep in mind that I have two businesses and 2 I EIN numbers along with my social so I mustve been one number off. Regardless of that Regions still open the account so that wasnt my fault. The banker try to associate me with criminal intentions by making statements like the FBI was going to get involved and things like that. It didnt make any sense to me because I came in there and provided a lease and drivers license regardless of one number being off I still am the person that opened the account. I believe that I was discriminated against because as soon as I came in and they saw someone other than thats when they froze my account. I will be filing discrimination charges against this bank. The bank itself told me that they were going to have my account on hold for months while they investigate they caused me to miss an important XXXX date that I had because I dont have access to my funds
|
| 08/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
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Web |
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On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ).
I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months.
On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS!
I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done.
They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith?
I still think they are trying to avoid paying the {$200.00}
|
| 05/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
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|
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!
|
| 11/17/2022 |
Yes |
|
- Struggling to pay mortgage
|
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Web |
|
|
During the Covid 19 pandemic, I loss my job, I got approximately XXXX behind on my mortgage with Regions Mortgage. I applied for help through the XXXX XXXXXXXX XXXX XXXX ( XXXX ) and I was awarded XXXX from XXXX to go towards my mortgage. The XXXX representative advise me that {$20000.00} would be paid to bring my loan current. The remaining funds would be applied to my monthly payments. None of this happened. My arrears were not paid. XXXX paid my mortgage for XXXX months. They did not pay the arrears. I was not informed of the change. I was approved for {$40000.00} only XXXX was paid on my loan. I was never told the mortgage payments were ending. I have now been told I have to reapply. This is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX my mortgage lender is Regions Mortgage. My current interest rate is under 3 %. Regions Mortgage is recommending that I refinance at the new higher rate, which is double my current rate. I have a XXXX son who requires 24 hour care. After Covid 19, my care provider of 15 years is no longer able to help me with my son. For the past 15 years I have worked 2 jobs just to provide medical care alone for my XXXX son. My question is why didnt XXXX pay the portion that was in arrears as they told me they would do? Why do I have to reapply for Mortgage funding I have already been approved for and still desperately need? How does XXXX decide who get arrears paid and who does not. XXXX application # XXXX ; Regions # XXXX ; FTC # XXXX. It is obvious that the states are trying to keep consumers like me in a conundrum of paperwork so that states can keep the federal funding meant for tax payers.
|
| 01/07/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I was offered a BP master card gas card with a {$5000.00} credit line. I put a {$1500.00} deposit down to secure this line of credit. I received the card and began using it. I entered my bank information on the website to make my first payment. The first payment was made successfully.
Then, on XX/XX/2022 my card was declined and I called to ask why. They assured me it was active and that it was working. I went to the gas station and it got declined again. I have tried to use the card many more times and it gets declined every time as shown in transaction history. I have called and talked to customer service and my account rep and they assured me that it is working, but it is simply not working.
My next invoice became due and I scheduled my payment using the same account I used for my first payment that was saved on the website. This time the payment did not go through for some reason. I checked with my bank and they say that they show no such transaction and there is no reason the payment wouldn't go through.
I called customer service and again and they reprocessed the transaction. This time it was successful but I was told that it was considered a late payment and that my account would be frozen for a week. I said that my account has not worked for over a month and they said it will work after a week. It still does not work.
I have included the many emails I have sent to my account rep with no response.
I just got off the phone today with customer service and they said well your account has is not active so thats the reason it is not working. I am not able to help you though.
I am past the point of frustration and
|
| 03/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Had a few unauthorized transactions on account. When I first noticed something it was international charges I called the 1800 # and she asked if I made a purchase From a site frm XXXX XXXX I said yes cause I did and she informed me tht where those charges came from. Next I went to make pay for some in XXXX XXXX realized I didn't have my card on me the young lady informed me I can use XXXX XXXX which I tried but but couldn't make transactions due to them saying the phone device they had on file was incorrect so I went online to check and saw my account was hooked up to an XXXX which I never owned and at the time I notice the email they had on file wasn't mines either. I was able to change the mobile device online but was instructed to go inside the Branch to change email so I did ... The next day I wake up my account is XXXX I call the 1800 # they told.me to go inside the branch. So I did when I went into the branch she looked into my account and said I wrote check for XXXX and took funds out equaling XXXX which wasnt true I never owned checks. When she printed the check it was from XXXX I never been to XXXX and when I saw the signature on check it wasn't my signature and name was misspelled. I was told to go file a police report which I did and brought back the same day.. it's been since XXXX and I really have gotten any help besides the run around ... I've never been negative and never took large amounts frm the Atm I don't even know why this was allowed without being informed about transactions since these transactions was out the norm for my account ... Nothing as been done and its been since XX/XX/XXXX at Regions Bank .
|
| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.
|
| 08/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I am a senior citizen and on XX/XX/XXXX I decided to go to my bank 's website and take a look at my recent checking account transactions. I noticed one ACH transaction on my statement that I was not familiar with ( XXXX ) in the amount of {$17.00} and called the telephone number included with the transaction to try and get more information. I was told that they are a " Hospital Accident Protection '' insurance company ( XXXX XXXX ) and worked with my bank ( Regions ) to offer me a policy with this company in XX/XX/XXXX. I would never agree to accept such a policy nor would I agree to have monthly debits ( {$17.00} ) made from my checking account to pay for this. I told the person on the phone that I never agreed nor authorized their company to give me a policy or withdraw {$17.00} each month. I asked what her name was and where they were located and she replied that they were in the XXXX and she offered to cancel my policy and send me a letter confirming the cancellation. I said I wanted my money back for the last 44 months they have been making unauthorized monthly debits and she said she would also send paperwork to arrange for the refund. I then called my bank ( Regions ) who researched this so called affiliation to offer policies to their bank customers and the bank could not find any information nor could they confirm that I was offered and accepted this policy. After explaining that money has been fraudulently deducted from my checking account since XX/XX/XXXX they said they would explore the matter further and possibly refund for only the last two ( 2 ) years. They will notify me when a determination is made.
|
| 07/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
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|
Web |
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|
My name is XXXX XXXX XXXX. My account number is XXXX. This account was opened as part of the requirement for my XXXX Visa to starting a business in the USA and was opened through XXXX XXXX attorney offices based in XXXX XXXX Florida. However, due to XXXX closures and delays, my XXXX Visa is being delayed. I must immigrate to the XXXX with my husband in order to get my XXXX interview. To do that, I must be able to access my funds. Because of this reality, I need to freely access and potentially move the funds held in my account with REGIONS bank immediately. REGIONS bank has refused to help me resolve this issue and are holding my funds without my consent as as they said I need to be in the USA, and this is not possible as the XXXX is closed.
On XXXX XXXX date I spoke to XXXX from XXXX XXXX XXXX Branch where my account was opened who stated he can not assist me as I need to be in the branch.
Then on XXXX XXXX date, I was told by a XXXX who is the Supervisor from Regions that he was also unable to assist me and that I need a Social Security Number which I do not have but yet REGIONS were happy to assist me with just a Tax ID No.
Again on XXXX XXXX date, the National Manager stated they could not assist me too as I need to be in the USA.
This shows the pattern of inconsistencies and unhelpfulness from REGIONS Bank. My personal account has also become inactive as I can not move money because I am not in the States Because of the above, I am filing complaints with REGIONS Bank and XXXX XXXX. The resolution I need is to transfer my funds internationally to the XXXX so that I may book my XXXX appointment with them
|
| 01/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I want to file a complaint against regions bank. I'm a new struggling XXXX XXXX and a potential future vendor whom I didnt yet do business with yet they went ahead and charged me a lot of $ nearly {$1000.00}. I disputed it as fraud and then without notice my bank notified me that were gon na take away the provisional credit as the merchant sent proof. However upon further review I noticed the documents the merchant sent were for another business and based on the information they provided they were trying to pull a conjob on the bank and me. But lo and behold the bank simply kept saying that they sent adequate information but didnt specify and couldnt explain any legit or specific reason. Then I started to find out that a manager in their debit card claims had gotten involved which is unusual and then after a tense friday afternoon call on XX/XX/2020 where she dismissed my concerns about my sabbath I started to realize that perhaps she was being and acting XXXX. She was rude abrasive and simply hung up and was unwilling to explain anything at all to me. I filed a complaint and apparently the claim was kicked back to the same department that I complained about so of course XXXX was behind the scenes orchestrating all of this. She continues to do as we speak and blocking my ability to bring this to her manager XXXX. We have her on record and she made a personal decision instead of based off facts but now we hold regions bank responsible. Regions then with no notice simply took the funds in dispute out and bounced payments causing me fees so this is time sensitive. I may have to close my business. Please help.
|
| 12/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX, I got gas a XXXX in XXXX, Ga. I purchased my gas at the pump. I either dropped my card or left it at the pump because I was on the phone with my manager at the time. On XX/XX/XXXX I was at home and woke up around XXXX and was going to check my direct deposit and noticed that {$850.00} in fraudulent charges were deducted from account. I immediately locked my car via the XXXX XXXX and chatted online with a representative and she instructed me to contact the local branch. I immediately called the branch around XXXX and spoke with XXXX XXXX who instructed me that she would file the claim on Saturday once the charges had posted. The claim was pulled and the investigation started on XX/XX/XXXX. I called the bank on XX/XX/XXXX and to my surprised the claim was denied because a pin was used. I have never given my pin out to anyone. So, I got details of the transactions and conducted my own investigation. Not to my surprise one merchant allowed me to see video footage and a purchase made at XXXX in a totally different city from where I live. Not to mention I did not wake up until XXXX. I immediately filed 2 reports because charges were made in different states. I am filing this complaint because the bank refuses to reimburse my money that I have worked hard for especially during COVID. Now that the bank refused my claim, I now can't provide my family with a Holiday meal because the bank refused to give me my money back. What is the purpose of banking if there are no protections for account holders after the fact. Hence why there is FDIC coverage. Regions Bank has not protected me as an account holder.
|
| 12/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Customer : XXXX XXXX XXXX XXXX.
Point of Contact : XXXX XXXX Account XXXX Customer ID XXXX Card # : XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX conducting business in the XXXX XXXX XXXX Area. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were XXXX fraudulent fuel transactions in XXXX cities in the XXXX XXXX, XXXX and XXXX, where we do not transact any business for a total amount of {$3900.00}. The card has been in our possession and has never been lost. On XXXX I received a call from XXXX XXXX, the XXXX representative assigned to our account, that the disputed card was declined several times. I told him the card was in nor possession and we were not using it. The next day XXXX I reviewed the card transactions and it was apparent that the card was skimmed somewhere and used in the XXXX metro area.
On the same day XXXX I contacted XXXX 's afterhours support and had the card blocked from further usage and initiated a fraud claim. XXXX denied our claim stipulating : " this dispute was denied based on the XXXX Reserves XXXX XXXX which provisions what we call the XXXX rule. To clarify, this government regulation states that if a business has XXXX or more cards issued to them, then that business is responsible for any and all transactions on the account, whether they are counterfeit or not.
" We did not use nor did we authorize the use of the disputed card for the fuel transactions or any other transactions in the XXXX metro area. Attached are the complaints, email communications with XXXX staff, and an XXXX file containing the disputed transactions. Please let us know if you need further information. Thank you.
|
| 02/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021 a settlement was accepted between myself, my home insurance company, and roof contractor which was brokered by an attorney who was representing me.
The insurance company provided prompt payment of the settlement. The total was XXXX, XXXX to be paid to myself, and XXXX to be paid to the roof contractor.
I took the check to my bank later that week and deposited it into my checking account. Here is the beginning of the problem. The person working the window took the check no problem and gave me a deposit receipt.
The check was made out to three parties. Myself, the roof contractor, and my mortgage company. I was under the impression that I was to deposit the check and then pay the contractor their due amount.
Three days later I received a notification from Regions bank that they would not release the funds for the check because all parties had not endorsed the check. I said ok and went back to the bank to retrieve the check but it had already been " sent away ''.
Long story short I still have not been able to secure my funds. We are in a deadlock between the mortgage company and the bank. The mortgage company wants the bank to release the funds so that it may reissue the check but the bank will not release the check. That being said the mortgage company will not re-issue the check because it would be paying the amount twice.
It has been over six months of back and forth between all parties involved and there is no resolution in sight. At the very least I seek what is owed to me, though a bit more for the hours and hours of work that I have put into this would be appreciated as well.
|
| 10/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
My sister and I inherited irritated my mom and dad 's trailer park. My dad passed away in XXXX my mom passed away last XXXX. We have XXXX mobile homes and its been a struggle getting them in our names. XXXX mobile homes are showing liens on them. The three mobile homes also were purchased through 2 banks that have changed names and or gone out of business.
These 3 homes are over 30 years old. We just need titles so we can retitle them in our names. The taxes have been paid for the last 30 years by our mother. When my sister became the executor of the estate in the state of Va. The homes went in our names where taxes are concerned. But DMV its a big mess. I have VIN numbers, models and sizes of homes. I have contacted FDIC they helped me locate the banks that have the liens but noone seems to want to help.
I can't talk to a person everything is automatically sent to online automation.
So here is the information : : XXXXXXXX XXXX XXXX XXXX VIN number XXXX The original bank was : XXXX XXXX XXXX XXXX XXXX in XXXX Va. Address was XXXX XXXX XXXX
FDIC told me the bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX XXXX.
Second mobile home : XXXX XXXX XXXX number : XXXX The original bank was XXXX XXXX XXXX XXXX XXXX
This bank changed its name back in XXXX to XXXX XXXX XXXX XXXX XXXXXXXX. Address : is the same XXXX XXXX XXXX XXXX VA XXXX.
The Bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX
XXXX The 3rd mobile home : XXXX XXXX, VIN number XXXX.
The original bank is XXXX XXXX XXXX. In XXXX Va.
The bank that took over was XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Out of XXXX NC.
|
| 10/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened the account due to a {$400.00} promo ad I had received from Regions. Account was opened on or around XX/XX/2021. I received a welcome email from a relationship manager on XX/XX/2021.
Regions is denying me the promo because I did not make the transaction in 30 day period and that I was late. However, the lateness is not due to my fault as there were issues with Regions Bank and/or USPS that were outside of my control.
First off, I did not receive the debit card on time. I received my debit card around XX/XX/2021 which reduced the number of days I had to make the required number of transactions. With there being COVID, I could not leave the house either to make my regular purchases.
Second, realizing that I would not be able to leave the house, I made 17 small transactions to fulfil and exceed the limit set by Regions for the number of debit transactions. However, unknown to me, while the transactions were made within the 30 day period ( and 12 days if you count the time since I received the debit card ), Regions bank did not post those transactions until after the deadline had crossed.
I am attaching screenshots of transactions I made showing that the merchant processed those transactions on time.
I am attaching screenshots of transactions showing the transactions were made before the deadline.
I have asked Regions bank to reconsider the denial and escalated the issue also but it was denied due to a 'banking regulation '. Based on my experience, there have always been exceptions specially when the card itself arrives late. I hope you can ask Regions Bank to reconsider the denial.
|
| 07/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My home was damaged during hurricane Irma XXXX XXXX, XXXX. It fought with my insurance company and received a settlement of {$34000.00}. A check was sent payable to myself and XXXX Mortgage. The mortgage company placed the funds in a special account for the repairs in XXXX. The company sent a {$10000.00} disbursement in XXXX, which i subsequently paid my independent claims adjuster {$4000.00}. The XXXX was used to pay the electrical contractor and XXXX was used to restore fencing. I have been waiting for additional funds to continue the restoration of my property. I have already have paid to have my stucco restored for the damage to the outside of my home and have prepared it to be painted. I contacted Regions on XX/XX/XXXX to have them send more funds they told me someone would contact me within 3-5 business days to inspect my property. NO ONE CONTACTED ME. I called again on XX/XX/XXXX and again I was told the same thing. I finally received a call from someone who claimed they were sent referred to me by Regions ( I could bare understand the persons English ) and tried to set a date but they told me they could not see me, so they said I need to find someone else help me. iI HAVE HAD PROBLEMS WITH PAYMENT OF FUNDS FROM REGIONS IN A PREVIOUS CLAIM IN XXXX AND HAD TO REPORT THEM THEN AS WELL. I Still have l work that needs to be completed and I have waited almost 2 years to have my repairs completed and still I have to keep fighting these people. They have {$24000.00} of the insurance money I would like to have them pay me so I can finish the work and have my property restored My loan number is XXXX
|
| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Due to unforeseen personal medical expenses I shopped around for insurance coverage for my condominium to see if I could save a little money. I was able to find a policy that met the requirements of my mortgage holder, Regions Mortgage, and for less of a premium than my prior insurer.
Insurance is paid through escrow. When the new policy was written, Regions never paid the bill and a new policy had to be written. My new insurance agent called Regions, sent the bill according to Regions ' instructions and followed up with them when the bill was not paid. Finally, I alerted Regions in writing that I was without insurance coverage unless and until the bill was paid. At that point, a completely new policy had to be written.
Instead of taking ownership of the problem Regions itself created, Regions billed me {$120.00} for lender-placed coverage for what they deem as a retroactive lapse in coverage in XXXX of this year. The attached documents show my two attempts to obtain insurance through XXXX XXXX ( in XXXX and XXXX ) and a Regions statement showing the {$120.00} charge. Essentially what Regions has done here was to take my alerting of them of my condo not having insurance in order to try and profit from their mistakes. Conflicts of interest between mortgage companies and insurance companies for purposes of forcing customers to buy insurance are common in this industry and I have identified what could be a conflict of interest between Regions and its insurance company.
Dozens of phone calls and written correspondence to Regions trying to resolve this matter have yielded nothing. Please help!
|
| 04/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Regions Bank has denied me a Visa Credit card purely from arbitrary reasons, totally divorced from a rational understanding of my pristine credit rating.
The bank has employed torturous, offensive, intimidating, humiliating, and abusive credit reporting and evaluation practices that have damaged my credit rating and denied me a Visa Credit Card in the face of the issuance of myriad credit card accounts to far lesser qualified holders.
Furthermore, Regions has employed clearly offensive, arbitrary, and illegal marketing techniques, in the processing and issuance of a Regions HELOC agreement, to include the refusal or failure to present all the acquired residential appraisal reports for XXXX XXXX XXXX XXXX, XXXX AL, XXXX.
Regions has reneged on an offer of credit limits because of their failed, erroneous, and needlessly delayed drive-by residential appraisal reports., and because of an incompetent assessment of my then-current outstanding credit use of the target HELOC transfer institution, XXXX XXXX XXXX XXXX XXXX . Only after significant and tortuous delays, did the bank offer a reasonable credit availability on my residential property.
Regions has informed me that a " letter of refusal '' of a credit card was merely a failed " machine letter '' sent to me without a rational basis. Such letter I have have no further reason to expect was not a practical and effective letter of refusal by Regions to issue me a Visa Credit Card, one in which I have a limited time for which to complain, such limit apparently not longer than until XX/XX/XXXX, if I understand the letter correctly..
|
| 09/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly.
On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.
|
| 05/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a Regions checking account around XXXX last year, during the process I mentioned the personal banker who was assisting me in opening the account specifically if I would qualify for the {$200.00} incentive plus the {$50.00} referral bonus from being referred with my Individual Tax Payer Identification Number aka ITIN. She proceeded to ask her manager, she came back and said YES! You will qualify for the incentives plus the referral bonus with an ITIN.
Months passed and I noticed under their OfferTracker website all the requirements were met except one saying the following : Valid TAX ID Required : NO I called the bank and asked why my bonus hasn't posted yet after meeting all the requirements, after multiple attempts with different representatives/managers they kept saying I did not qualify solely for the reason of not having Social Security Number ( SSN ) and that the system can not generate a form 1099.
What I have explained to them at the branch, during a phone call, and thru social media : 1 ) When I opened the account the banker told me I will qualify for those incentives with my ITIN.
2 ) A form 1099 can be generated using my ITIN, and that is the actual purpose of having an ITIN, to be able to report taxes in the US.
3 ) OfferTracker website indicates " Valid TAX ID Required '' and an ITIN or SSN are both VALID TAX ID.
4 ) No description about saying SSN is required in the fine print for both the {$200.00} Incentive or {$50.00} rewards gift card for the referral program.
I have not given any solution to this, and also the Regions bank are not willing to help.
|
| 11/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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I visited regions bank branch in XXXX at XXXX XXXX on XX/XX/2022 to open a checking account with them to take advantage of their offer to get XXXX dollars to open new account. After giving all the information my account got opened but I was being forced to sign w8 form which says do not fill if you are US person including resident alien. I am XXXXesident alien by substantial presence test, although I do not have green card .Without asking and equiring further, I was being told who I am and that I am not a resident alien, the debit was taken back and was asked to visit branch on Monday, which I did. I explained again to one of the staff that I am for tax purposes a US person and resident alien by substantial presence test, and I signed w9 form which is correct form. On XXXX I got a call from branch manager to tell me that they will close my account because I was not signing the w8. I again tried to explain that form itself says do not sign if you are US person including resident alien. All the staff was rude and their legal department was either not given full version of my argument or they also lack this knowledge that someone who has established substantial presence in state and lives works and pays taxes here is also a resident alien US person ( not citizen ). Staff was very rude and made me feel less appropriate somehow for not having a green card and that they were doing this for 20 years and they rejected my version of who I am, instead they were telling me who they thought I was. They closed my account and denied me opportunity to get the bonus which intact they mailed me.
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| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Fees charged for closing account
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Web |
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Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was researching something for an assignment Im on and came across the CFPBs Consumer Financial Protection Circular dated XXXX. The situation described as a UDAP violation is exactly what occurred to me when I attempted to close my account at Regions Bank in late XXXX. Of course, they could have corrected that practice by now, but I do know that I was assessed {$170.00} in overdraft fees due to them reopening my account after I had already closed it. Regions stated that because I did not stop my bill pay items, that they reopened my accounts to pay my bills. However, I determined that there mustve have been an interface issue with XXXX XXXX pay software and the XXXX XXXX XXXX I was using, as I know for a fact that when I went to stop scheduled bill pay items there were none listed. However, Regions claimed that it was my responsibility to stop the bill pay items prior to closing my account, hence why they reopened it to pay the bills ( with the {$0.00} in my account? ). After so many calls being bounced between Regions and XXXX as they both blamed each other, I simply refused to pay the {$170.00} negative balance on the account. Regions offered to cut the amount in half that I owed, which I respectfully declined. Thankfully, I dont believe my negative balance was ever sent to collections or reported negatively to the credit bureaus.
Of course, 2 years is a long time and the bank definitely could have stopped the practice by now, but I wanted to at least submit this complaint in the off chance that consumers were still being harmed.
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| 05/17/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
Servicemember |
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On XXXX XXXX, 2022, I stepped to stay at XXXX XXXX in the middle of the country, on my way to XXXX. I had to stop because it was night and there were no lights on the roads. I was given room XXXX, but when I tried to turn on the heater it was not working. I asked the receptionist to move me to another room and she told me there were no other rooms available. I asked for a refund, and she said that XXXX XXXX doesnt give refunds. I called Regions bank and the bank told me that I need to wait until the funds processed to file a dispute on XXXX XXXX, 2022, I filed a dispute. I never received any information about the dispute. I finally, on XXXX, 2022, I was told that the bank decided to not refund me for the hotel stay, even though I sent pictures of the broken heater and room number and evidence I was at XXXX XXXX from my mobile device, At that point, I asked for it to be put in writing that I wouldnt receive a refund with an explanation and XXXX XXXX XXXX, told me that he wasnt going to allow his employees to put the explanation in written form. The result was that I left the bank disappointed and without a valid reason why my purchases werent being protected from merchants who called not maintain an expected quality of service for the price and product rendered. No one should be forced to pay {$91.00} for a single night in a hotel room without heat. XXXX is necessary basic need and is included in expected services provided by the hotel.
In addition, I had other disputes in the past that were treated in the same manner. This is the first dispute that I am making a claim about.
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| 05/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I need my credit report fixed by Region providing false info and straight talk on all my mortgage options. As a XXXX XXXX XXXX with XXXX, I couldn't work during Covid and applied for forbearance. When I resumed payments, the bank extended my mortgage length and applied a lower percentage fee. However, the escrow balance got mixed up by the bank to a debt of {$2100.00} which I was not informed of despite my many inquiries about this. I also asked continually about all my options to have a lower payment. I was never informed of the Homeowners Assistance Fund and my inquiries about this went unanswered. I researched it on my own and found out all of Florida 's funds were gone. I was told by my Region 's Bank escalation service, XXXX XXXX, that it was not their job to tell me. Now, over the past couple of weeks I investigated obtaining a loan against my house. equity. XXXX XXXXXXXX XXXX XXXX Escalation Specialist - Regions Phone ( direct ) : XXXX XXXX Toll Free : XXXX Ext XXXX Fax : XXXX XXXX connected me with the wrong department, housing refinance. After I had given them all my info, I realized I needed another dept. So I told them to STOP the refinance paperwork and transfer me to the loan dept which they did. However, despite this, they processed the refinance request anyway, denied it, and passed the denial to the major credit bureaus, ruining my credit! I am concerned that with all the mixed info Regions is harming me. Today I got snail mail telling me to be patient plus by mistake they sent me someone else 's account info. along with it saying the same thing! Please help!
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| 07/21/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I opened an basic checking account with Regions back in XX/XX/XXXX/XX/XX/XXXX. At that time I was advised to opt-in to the overdraft protection. Based on the explanation, it sounded like a good feature.
Sometime in XX/XX/XXXX, I experienced my first overdraft but it did n't make sense to me. I called in and the agent I spoke with could n't adequately explain the logic behind why I was charged. The way the information was listed on my account online suggested that I had enough funds in my account and that the overdraft fee is what overdrafted my account! At that time, they refunded an overdraft fee and helped me opt-out of the feature.
As it was explained to me, opting-out of their overdraft protection would PREVENT any overdraft scenarios from happening. This is clearly not the case.
Fast forward to recently, I made a debit card purchase online on XX/XX/XXXX and that purchase did not " clear '' until yesterday. Every single day I 've been checking my available balance and every single day it showed this {$39.00} had already been subtracted from my balance. But now when I check today, it just posted and caused me an overdraft.
Additionally, on several occasions they have been unable to explain the order of transactions. I get a different answer every time I talk to them. Their response is always that I should keep a paper ledger. I should be able to use the TOOLS they provide to view an accurate balance. Otherwise its a bait to lure me into spending money I do n't have. I RELY on that tool to track my finances. T hat 's why its there. It is a realtime digital ledger.
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| 09/03/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.
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| 01/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American, Servicemember |
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XXXX XX/XX/XXXX a XXXX XXXX payment of {$1200.00} was made to a XXXX XXXX XXXX and a XXXX XXXX to XXXX XXXX or XXXX fraudulent withdrawals made from my checking account I went to the bank after being alerted by XXXX XXXX XXXX that fraudulent transactions was being made from my checking account and the XXXX XXXX XXXX shut my debit card and checking account down and had me to dispute the charge that wasnt mine and send me a new debit card and blocked the old checking account and gave me a new account number. I went Regions Bank and was told by the bank clerk that it was anything she could do because the transactions were pending. I kept telling that I didnt authorize these payments and didnt know who these people was. So I shut my debit card down and online banking with the Regions bank. I went to the bank several times with no results the last time I received a letter that stated I participated in, allowed, or otherwise authorized this use of my online credentials in other words this XXXX XXXX year old female that is living on a fixed income stole my own money. The bank letter stated that based on the following findings we have determined not to provide any credit to my account for the transactions. I have been a customer of Regions l since XX/XX/XXXX over twenty two years and was with XXXX XXXX before they merged with Regions for over ten years. The part that hurt me the most was the clerk told me couldnt block a pending payment or charge. Help me please because I really need my Social Security Benefits to be able to pay my household bill, buy my medicine and grocery.
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| 07/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it.
I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.
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| 12/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I had a check present on XX/XX/XXXX. At the time, my POSTED balance was {$170.00}. The check amount was {$300.00} and was POSTED to my account and subtracted to my POSTED balance causing my account to become overdrawn, at which time, I was charged an overdraft fee for an item that was paid. This item was only an " overdraft '' because Regions ' system posts the check as paid. I was originally told that it was in a " pending '' status for review yet it withdrew from my posted balance. The following business day, XX/XX/XXXX, the item was returned as an NSF item and then I was charged a returned item fee, which I do not dispute. I dispute the process in which their processing system loopholes overdraft fees to be charged to the account. Items should not post and withdraw from a posted balance unless they are items that are paid. I should not be charged an overdraft charge due to an item that was only overdrawn due to an item the bank did not pay and I was not truly overdrawn. Subsequent NSF fees were charged, as well, after I had filed a Reg E claim on XX/XX/XXXX totaling {$120.00} that was not resolved within the ten business day required. This {$120.00} in addition to the incorrect charge of {$110.00} from VIPStore ( the difference was refunded ) all totaled this negative balance. The processing system that Regions uses is rigged and allows overdraft fees to be charged when an account is truly not overdrawn. I had called on XX/XX/XXXX to ask about the process and have been getting the runaround ever since. Today was the third time I have had to call with no resolve still.
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| 05/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Servicemember |
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I have been watching this bank for a while. It appears this bank carries out deliberate and covert unethical transactions towards its customers accounts charging unnecessary fees for transactions as low as {$2.00} a {$36.00} fee charged when sufficient funds were available at the time of the transaction. I contacted the call center on or around Friday XXXX XXXX XXXX approx. XXXX and was told by a supervisor the balance in my account of {$10.00}, which was true. I also asked the supervisor was courtesy pay activated on my acct and he indicated it was and that if items came thorough on the acct deposits would be processed first then debits then checks. THIS IS NOT WHAT HAPPENED ON MY ACCT. THIS BANK DELIBERATELY processed a check in which I was told was ok to be paid in the amt of {$500.00} and would only be access a {$36.00} dollar fee if the item came through as I actually called in to stop payment for it but was told it would be ok to allow my acct to pay it as it was currently set up on Courtesy pay and no issues show it would not be paid as it would be my first time using courtesy pay. This bank paid the check first then and then processed the 2 transactions which the {$10.00} balance would have covered and were also PRESENTED before the check was in written and even deposited for processing, charging me over {$100.00} in fees on items that had sufficient funds to cover and the option available for courtesy pay activated and they decided to REVERSE for no reason especially if there has not been an opportunity to utilize the product COURTSEY PAY/OVERDRAFT PROTECTION.
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| 09/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
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I started my application process on XX/XX/XXXX. I was denied on XX/XX/XXXX. The loan originator said the application was denied due to the contractor. The contractor provided all the necessary materials and had worked with the bank and the loan originator in the past and referred him/the bank to us. During the application process, there were a number of uncertainties. I spoke with the loan originator on XX/XX/XXXX and he gave us a rate and asked did we want to lock it. We agreed. When he tried to lock it he said his system was not working and he would try to troubleshoot and call us the next day. I did not hear back from him untilXX/XX/XXXX. He once again offered me a rate and went on to say his computer was acting up and he would try to lock it later. I sent him an email onXX/XX/XXXXto ask about the rate. He responded by saying the help desk could not help him and our rate is safe. On XX/XX/XXXX, I received an email stated the rate was finally locked. On XX/XX/XXXX, I reached out via email asking what we needed to do in order to get the appraisal done. He explained that we needed to order a visa/ mastercard and that he could order that. He then told us we did not sign documents sent out on XX/XX/XXXX. I told him we did not receive any documents on XX/XX/XXXX. I talked to him XX/XX/XXXX and explained to him that we only received the one document to sign not a multi page document to sign. After our phone conversation on XX/XX/XXXX, I followed up with an email asking him to resend the documents. I never received the documents and on XX/XX/XXXX he sent the denial email.
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| 01/24/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
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|
Web |
Older American |
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On or about XX/XX/2020. I went to Regions bank to see what Regions current interest rates were on a 4 year IRA CD would be. I didn '' t like the rate being offered but after talking to the bank official we agreed to a rate of 1.59 % for 4 years. I saw the official as he was putting information on the rate and terms in the computer. He thensaid it was all taken care of. But I said don '' t I have to sign anything. He said no it was all taken care of. I said I always had to sign something in the past but he said again there was no need. So I left the bank. I think this was my 3rd renewal of this account over 10 years. Today XXXX I get a letter from Regions bank saying my APR rate was 0.400 % instead of the APR rate of 1.59 % we negiotiated. So I called the bank and talked to the same bank official about the problem. That official said there had been a glitch in the software program and went it renewed I got the lower rate of 0.400 %. I talked to the bank official and the person who said he was the Branch Manager. The first bank official admitted and apologized for the glitch and when I asked to speak to the branch manager he heard the first bank official admit to the glitch as we were on a 3 way phone connection. The branch would not agree to give me the negotiated 1.59 % rate. He did make a couple of lower offers because he said rates had gone lower. The best rate he offered was 2 years at 1.5 % rate which I refused. I feel I am entitled to the neg0iated rate of 1.59 % for 4 years. I think this a biat and switch scheme. Can you offer me any assistance in this matter?
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| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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My credit cards ending in XXXX and XXXX was compromised somehow and multiple charges were made without my knowledge or consent. I did have the card in my possession but did not make any charges. I did not know my card was being used until I got and alert from Regions fraud department. Here are some of the fraudulent charges listed below.
XXXX XXXX XXXX XX/XX/2022 {$51.00} XXXX XXXX XXXX XX/XX/2022 {$47.00} XXXX XXXX XXXX XX/XX/2022 {$46.00} XXXX XXXX XXXXXX/XX/2022 {$170.00} XXXX XXXXXX/XX/2022 {$110.00} XXXX Outlet XX/XX/2022 {$65.00} XXXX XXXX XXXX XX/XX/2022 {$26.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$24.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$95.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$14.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$11.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$29.00} Multiple XXXX XXXX XXXX charges totaling {$430.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 {$68.00} XXXX XXXX XXXX XX/XX/2022 {$43.00} XXXX XX/XX/2022 {$89.00} XXXX XXXXXX/XX/2022 {$95.00} XXXX XX/XX/2022 {$50.00} XXXX XXXXXX/XX/2022 {$180.00} XXXX XXXX XXXX XXXXXX/XX/2022 {$25.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$66.00} XXXX XXXX XX/XX/2022 {$66.00} XXXX XXXX XXXXXX/XX/2022 {$67.00} XXXX XXXX XXXXXX/XX/XXXX {$59.00} XXXX XXXX XXXXXX/XX/2022 {$59.00} XXXX XXXX XXXXXX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$29.00} XXXX XXXX XXXXXX/XX/2022 {$52.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$82.00}
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| 10/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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This charge was supposedly done on XX/XX/2018. However, I have had this issue way too many times with XXXX posting charges late, when I can no longer verify if they are legitimate charges or not. After dealing with this after receiving my XX/XX/18 bill, I ordered new cards from a new company and began using them XXXX XXXX. When the XX/XX/18 bill came, I called and verified that there were no pending transactions and that paying that bill in full would have it paid in full. Even though I was charged an {$87.00} " high risk transaction fee '' that was not supposed to be on my account. I closed my account on XX/XX/18 with the consumer advocacy department ( Ref : XXXX ). I have the confirmation of close email. The day after I closed it, it seems ANOTHER backdated transaction was put through with a transaction date of XX/XX/18 and posted on XX/XX/18 ) This is unacceptable. I no longer wish to do business with XXXX and will not deal with having backdated charges show up for the rest of the year. This needs to STOP. My account is closed, and no further transactions post to my account at all! I want to be DONE with this nightmare! I was told by the XXXX XXXX Department today ( XX/XX/18 ) that even though the account is closed, they will still post any backdated transactions - no matter how old - and bill me. They refused to even remove the backdated charge or the erroneous fee from last month. This is my second time writing with this complaint department about XXXX and their billing practices. I have disputed the charge formally, but doubt they will do anything about it.
|
| 07/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Complaint on Regions MTG Regions Mtg has raised my monthly payment over {$400.00} for Real Estate taxes. First of all, we have never escrowed our taxes. We were late paying our taxes and Regions sent a letter giving us 30 days. We paid the taxes within that 30 days in XX/XX/2022. Regions paid our taxes again in XX/XX/2022. They said that the State of Illinois is not showing our taxes paid. I sent Regions the paid bill and a copy of the cashiers check used for the payment verifying that we paid our Real Estate taxes XX/XX/2022. Why are they charging us for their mistake? Is that legal?
We received two payment increases : One time to force us to escrow our taxes going forward ( a little over {$200.00} ) and another increase ( a little over {$200.00} ) to make us reimburse them for paying our taxes in error. Regions is forcing us to escrow. I asked to see documentation and they said that If we default in our Real Estate Taxes, Regions has the right to force the escrow. We NEVER defaulted in our taxes, however, paid them late. Is this legal? And, why should we pay Regions back the amount of our taxes they erroneously paid the State of Illinois, when we already paid them? Is that FAIR?
Our Mortgage balance with Regions is a little over {$6000.00} and they have raised our payment from {$430.00} to more than {$800.00}. That is at least a 75 % increase. How can they force us to cover their mistake? I think Regions is trying to cover up their mistake. Talk about UNFAIR, DECEPTIVE, OR ABUSIVE PRACTICES.
Mortgage Loan in the names of XXXX XXXX XXXX and XXXX XXXX XXXX
|
| 11/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I believe that I am a victim of fraud and/or identity theft. For the past XXXX years, the thieves have made my life a living nightmare. Performing 'normaXXXX ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau.
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way.
Please validate this information with Regions Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Please delete any reference from Regions Bank Missouri Attached is a police report, social security card, drivers license, and completed ID theft affidavit.
Please delete the disputed items from my credit report within four ( XXXX ) days as required by the Fair Credit Reporting Act copied here below for your reference : 605B. Block of information resulting from identity theft [ 15 U.S.C. 168c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as infor-mation that resulted from an alleged identity theft, not later than XXXX business days after the date of the receipt by such agency.
|
| 06/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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I alerted Regions I was going to be traveling and one of the cities I was in Was XXXX ( XXXX ) XXXX and several thousand dollars worth of fraud in the form of overcharging was done on my debit card approximately $ 5,000- {$6000.00} worth of fraud. Regions admitted they did not have my signature on file nor did my debit card require a pin and I told them they were negligent in managing my funds because had a pincode been required, or a signature, some type of fraud alert or call I could have caught these transactions sooner. I was ripped off and overcharged, I have recorded conversations from regions admitting they messed up by not requiring a pin on my debit card because these transactions were processed as debit transactions and not credit had they been processed as credit they still admitted they do not have my signature on file. I told them to get videos, itemized receipt etc to see where the items purchased on my card were sent etc. They processed over {$5000.00} in transactions in one day and I have never spent that time of money in a month! I'm very upset that this did not send off alarm bells to their fraud department and I'm more upset with their lack of serious investigation! Everyone in banking knows former XXXX XXXX are known for bank fraud and the fact I have never spent $ XXXX- {$6000.00} in a month let a loan a day in XXXX should have been flagged immediately especially when no signature or pincode was required!! I want my money back and Regions needs to be fined for having a XXXX fraud department and being negligent in managing peoples funds.
|
| 06/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.
|
| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX, one of our business cards was used to make four ( 4 ) purchases of {$150.00} each ( total of {$600.00} ) for XXXX XXXX. Fleetcor notified us of potential fraud, and we informed them that the transactions were fraudulent because the employee who supposedly used the card was an hour away from where the charges were made. We also immediately cancelled the card. After filling out the proper paperwork, XXXXeetcor is refusing to process our claim. It isn't that the gas station has denied our request. It is that Fleetcor won't even attempt to process a chargeback because we have more than 10 cards with them. This was their immediate response : Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.
Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.
While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.
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| 09/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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At the beginning of summer, our air conditioning and furnace stopped working properly. I contacted a local HVAC business and had them all replaced. To afford this, I had to take out a loan. The loaner is named EnerBankUSA. It took a couple of months, but I realized that some thing was amiss. The company sent me two ( 2 ) bills, and on each, the statement issue date was six ( 6 ) days AFTER the due date. On the XXXX bill the statement issue date was XX/XX/XXXX but the due date was XX/XX/XXXX. For XXXX the issue date was XX/XX/XXXX while the due date was XX/XX/XXXX. Consequently, both months I was required to pay a bill that was doubled up from {$150.00} to {$300.00}. The bill clearly states that I have ten ( 10 ) days to pay the bill after the due date, however it is impossible to pay a bill within ten days when it is issued six days AFTER the due date. I had concerns about this and tried to contact the loaner to address them. On XX/XX/XXXX at approximately XXXX XXXX XXXX, I attempted to call EnerBankUSA to address my concerns. The automated voice said that I had a 15 minute wait.EnerBandUSA customer service ends at XXXX XXXX At XXXXXXXX XXXX I hung up as I realized my call would not be answered at that point. At approximately XXXX XXXX. XXXX on XX/XX/XXXX I attempted to make contact via phone once again. The automated voice informed me that my wait time was 20 minutes. At approximately XXXX I a representative picked up and asked me hoe they could help. At the end of my explanation, the phone suddenly cut out. I suspect that they actually hung up on me.
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| 01/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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On XX/XX/XXXX I received an email warning of an overdraft on my Regions personal checking account. As soon as I saw the email I checked my account on the Regions app and there were pending charges that were going to put the account in the negative by {$15.00} and some change. There was not an overdraft fee yet, so I did an INSTANT transfer of {$14.00} from my XXXX account and {$5.00} instant transfer from my XXXX account. Then I checked the app again and it showed those transfers had gone through and that I had a positive balance by just over {$4.00}.
Today, I checked my account again to find that it now shows I have a negative balance of - {$20.00}. I haven't made any new charges. They moved my {$14.00} and {$5.00} deposits to pending along with a charge of {$5.00} and added an overdraft fee of {$36.00} to yesterdays transactions. They've done reordering of items to maximize overdraft fees before but adding a fee and changing instant transfers to pending a day later to put me negative is new. And by doing it this way they've got the {$5.00} charge there so they can get me with another {$36.00} fee.
I called Regions today and told them the situation and asked them to remove the {$36.00} fee. They said they can't do that and there's nothing that can be done. They also confirmed the {$5.00} charge thats showing pending will incur another {$36.00} fee as well.
I know this is illegal and they have a history of intentionally making customers pay as much as possible in overdraft fees which is evident by the rulings in XXXX and XXXX for this exact behavior.
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| 07/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX I contacted Regions Bank ( XXXX XXXX ) to report unauthorized activity on my debit card. When I called them I spoke with a woman who tried to tell me I didn't have a valid claim because I had done business with XXXX in the past. I explained to her that I had done business with XXXX once before, in very early XXXX. That transaction was finalized and I have a receipt to prove that no other charges transpired from that.
I told the banker that I had contacted XXXX and they couldn't verify who's charges those were. She still insisted on filing a merchant claim rather than an unauthorized claim.
On XX/XX/XXXX I contacted the bank and spoke with an agent who informed me that my claim was closed because I failed to provide proof of receipt. However, this isn't true because I forwarded a copy of the XXXX receipt on XX/XX/XXXX.
She then informed that there was nothing she could do despite me telling her I had over XXXX dollars in unauthorized charges. I asked to speak with a supervisor.
The supervisor informed me that they'd have to re-open the claim with the " XXXX XXXX. '' After another week of waiting I've been told that they're unable to pay my claim without calling XXXX while on the phone with the agent. I'm also being told they can't change the claim type to a Visa unauthorized charge, even though the first banker made the mistake.
Regions Bank is clearly violating Reg E and is doing whatever they can to avoid paying claims. This is not a positive experience for the bank, and I will be taking legal remedies if this isn't fixed soon.
|
| 05/21/2018 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Trouble using the card
- Problem using the card to withdraw money from an ATM
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Web |
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I am a new employee of a non-profit and was issued a card through Comdata for my initial paycheck, as the direct deposit process had not been completed by my employer by the end of my first pay period. On Friday, XX/XX/2018, I attempted to withdraw the sum of {$500.00} from the ATM at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT using the Comdata card provided to me. Though the ATM printed a receipt for {$500.00}, the funds were never dispensed, and the ATM displayed an error on the screen. Upon speaking to the manager at the XXXX XXXX branch, I was advised that I needed to contact Comdata to work it out with them. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a complaint would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018, after not hearing from anyone, I called Comdata again to check on the status of my complaint. I was told that nothing would be resolved for 21 business days, as an investigation needed to be launched. I waited 21 business days and on XX/XX/2018, I contacted Comdata again. I was provided a case number ( # XXXX ) and was told that I had to write to them to get any additional information, which I did. Though I can appreciate that investigations take time, these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this matter. I need some assistance to get my payroll funds back to me immediately. Comdata is located at XXXX XXXX XXXX, XXXX, TN XXXX, XXXX.
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| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I received multiple calls asking me for my personal information while the " company '' would not identify themself. Once I made it through confirming the number they called me on was mine XXXX XXXX, they informed me that I had a {$280.00} debt with Regions Bank. I have NEVER EVER ( and will NEVER ) have an account with Regions bank. Once I found out about this debt, the person on the phone " later identified as XXXX XXXX XXXX '' rattled off a street address that this account was associated. I asked for this information as to what address again and what state that was in since the name was never where I lived. They directed me to talk to Regions Bank.
I called Regions Bank and tried to get them to give me the address of what this supposed address was ..AFTER I provided my name, phone number, ... and account number ( XXXX ) that was provided to me by XXXX XXXX XXXX XXXX Regions Bank would not give me the address.
Regions Bank then instructed me to go to their Regions Bank website and fill out a Fraud report! There is NO WAY I would supply Regions Bank with my SSN, address, etc. after they allowed someone to open an account in my name.
I want Regions Bank held accountable for the supposed debt of {$280.00}. I want Regions Bank and their Debt Collectors to stop calling me about something Regions Bank screwed up. I want any and all information that Regions Bank and XXXX XXXX XXXX obtained with and/or without my consent to be removed from their system. I want my credit score to not be impacted by Regions Bank 's mess. XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I posted my XXXX XXXX on XXXX for XXXX and received an offer from a gentleman. The man states he lived in Florida and wants to use the XXXX as a XXXX for his hunting camp. He stated he would send me a certified check for the amount and after I cashed it and the monies cleared he would arrange a car carrier to pick the XXXX up. I told him that was fine and would be looking for it. I received the check via XXXX two days later for the agreed amount of. {$5600.00}. I was skeptical being the gentleman was from out of.town so once I received the check I called the bank on the front of the check to verify funds and all was good. I then did a mobile deposit for the check and went on with my day. There was an automatic 10 day hold which I totally understood and didn't complain. Three days later I noticed the deposit had been removed from my account all together. I called the bank and they stated I was being investigated for Deposit Account Fraud and were freezing my account. I was appalled and have called them daily all week to find out the status. There was no deposit account fraud and I never received any money from this check but yet they are holding my checking account hostage with close to XXXX in it and I am unable to purchase gas to even go to work. When I call i get the same answer. We don't know how long it will take. I even went and opened another account at another bank but can't fund it until they release my funds or I get paid next week. I have been banking with this facility for 10 years. I really need help and don't know who to turn to.
|
| 11/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
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Web |
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I moved at the beginning of XX/XX/2019. I changed my address and my cards all worked fine -- even my new zipcode worked at the gas pump. My address was correct on the account displayed on the website and I changed everything properly and timely.
I was married on XX/XX/2019. On my way to my honeymoon, I stopped to get gas and my card doesn't work. My audible subscription trial doesn't work for the roadtrip. I spent 2 HOURS on the phone on my HONEYMOON to rectify the problem ( I had booked all the events on my Regions Credit Card ). I spent more hours fixing reservations until the card was cleared.
Why was it locked? Because REGIONS put my street address down INCORRECTLY and the statement returned to the billing center. This apparently is policy. No TEXT, EMAIL, ONLINE WARNING, PHONE CALL was made to let me know that my card was locked.
I incurred late fees on utilities and a myriad of other complications ON MY HONEYMOON.
Region 's solution : " Well, I do apologize for that. If you have any fees that were incurred on your card, we can reimburse you. '' However, my fees were through the utility company and I switched payment methods.
Thus, I canceled my credit card and soon plan to cancel my checking account with Regions ( 20 years loyal ).
I was offered NO REAL RECOURSE. NO REAL RECOMPENSE. NOTHING.
THIS PRACTICE IS NOT STATED EXPLICITLY ANYWHERE IN THE BILLING STATEMENT. " IF MAIL IS RETURNED, CARD WILL NOT WORK. '' OR " IF OUR BUSINESS MESSES UP YOUR ADDRESS, YOU HAVE TO BEAR THE FINANCIAL AND TIME BURDEN TO REMEDY OUR MISTAKE. ''
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My complaint is about Regions Bank. I had been a customer of Regions for over a decade when I inquired about a home mortgage loan in XXXX. The loan officer explained to me that because of my outstanding student loan debt, I would not qualify for a mortgage but could have an installment loan from Regions. She said once I showed a year of faithful payments on that loan, my credit score would be high enough to qualify for a home loan. But that is not what happened - the hard inquiry lowered my score, I did use the funds to pay down other loans but then had an unreasonably high monthly amount that I was unable to meet due to XXXX XXXXXXXX and related expenses. On XX/XX/XXXX, I called my loan officer to see if we could lower the monthly payments from {$350.00} to {$270.00} for three months. She said she would check and get back to me, but at no point explained that Regions would conduct a hard inquiry on my credit score, which lowered my score even more. Regions denied me for a lower monthly payment even short-term, and therefore I had no choice but to file bankruptcy in XXXX, XXXX. Now my bankruptcy is over a year old, but the hard inquiry placed by Regions without my knowledge or consent remains on my credit report and I remain a renter with disposable income that I would like to spend on a mortgage.
I assert that Regions Bank operates in poor faith and engages in predatory lending practices. I would like that hard inquiry removed from my account and some type of oversight and enforcement over the bank so this does not happen to anyone else.
|
| 05/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I have a credit card with Regions bank. I made my Regular cc payment on XX/XX/2021 in the amt of {$290.00} using my XXXX XXXX XXXX XXXX XXXX account. On XX/XX/2021, I made a double up payment of {$930.00} using my XXXX account. I was told it would take XXXX to XXXX days to post. Within that time I noticed the money hadn't posted so I called in to Regions. I was told that the payment still hadn't processed at that time I was informed by Regions credit card department that they could cancel the transaction then process a new one. I decided to do a new transaction. A few days passed when I noticed Regions had collected the money. Shortly after, I noticed Regions bank had debited my account for another {$930.00}. I asked for them to return but they replied that they can't return my money because it's a non Regions bank account. As of today, they have failed to return my money to me. I asked if they could forward the {$930.00} they took from my account and deposit it into one of the Regions bank accounts my boyfriend has with Regions being that he's a business owner and he has me listed as the authorized user as well my name is on his accounts, having the privilege to discuss his accounts or make necessary changes, Regions have denied me asking if they could deposit the money into a Regions account with me being the authorized user and my boyfriend speaking with Regions bank credit card company authorization to allow me the right to be able and have my money Regions took from my non Regions acct to be deposited into his Regions XXXX account.
|
| 10/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
signed up for a XXXX mastercard back in XXXX of XXXX. Since that time I have had nothing but issues with this company. This card is by comdata and apparently operated under fleetcor technologies.
The invoices are unclear and set up in a manner that is hard to follow. Access to the payment site is difficult. They were constantly trying to sneak hidden unauthorized fees into the billing. This began in XXXX of XXXX with what they called a fleetdash fee of XXXX and continued for three months until I caught it. This happened again in XXXX of XXXX. We were enrolled without consent in a service they called fraud protector in XXXX. In XXXX they began billing XXXX per month. This went on for 5 months until we caught it and asked that the fees be removed In XXXX the fees had been credited back with but there was yet another mystery charge. This time it was called a high risk transaction fee for the amount of XXXX dollars. I held back payment in XXXX due to this as well as other issues with service and was hit with interest fees as well as huge late fees.
On a XXXX approximate balance they charged : XXXX in interest XXXX late fee XXXX high risk transaction fee This all compounded by the next statement and we were unable to access the online portal to view transactions or make a payment. When they unlocked the account finally I made payment for all charges and interest minus late fees. They continue to compound interest and late fees on the initial fees that were unduly charged. I have made numerous attempts to resolve and have been unable.
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
On XX/XX/2022 I paid to stay at XXXX XXXX XXXX on XXXX XXXX. in XXXX, TN for a month. There were many problems with the hotel. One of the main problems was the cigarette smell. I already told the XXXX that I had XXXX and needed to be in a quiet and nonsmoking room. I also said I needed a room on the ground floor due to a XXXX injury. I accepted the room on the third floor because the room had already been paid. However, a few minutes after taking all my belongings from the parking lot to the XXXX floor in XXXX trips by car, I noticed the strong smell of smoke after the doors had closed. I also noticed many other things. I wanted to leave when i started having XXXX and became ill. It was not until the morning of the XXXX of XXXX that i was able to physically leave. On the XXXX of XXXX I filed a dispute with Regions because the management said they do not give refunds ever for any reason and no exceptions. On the XXXX of XXXX, today, I was told on the phone that my money would not be refunded. I stayed in the hotel for two days, in which time I was very sick because management did not listen to my requests. I should not have to pay for this hotel. I paid {$1600.00} and I need my money back. I have suffered a lot due to XXXX XXXX XXXX and Regions. At this point, me and my son are XXXX with no money at all. In addition, regions is holding money from my son for no reason at all and have given both os us a really hard time and made false accusations against both of us in the process. I feel tremendously XXXX profiled and XXXX against.
|
| 01/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I have a small XXXX business and use the XXXX gas cards to purchase gasoline.
1 ) We receive monthly statements with 5 other monthly reports via email.
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days.
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ).
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Regions bank account in question XXXX XXXX I was notified by my bank that a fraud was done under my bank account Regions bank. I was told that checks were cashed by me.I told them is impossible because those were not my signature nor I had knowledge of the person writing those checks. I explained that previous week my purse was stolen from a XXXX supermarket a police report was produce. I called Regions and told them about the incident to close debit cards and warned them about the incident of my stolen wallet. They told my accounts were frozen until investigation is done but I asked question that I need to see video cameras and proof of what they are accusing me of that I cashed those checks. They denied me information or further. I provided them police reports. All I get is no other information is available to me. I told them how come what teller authorized those checks and form of ID the robber provided to them. I need help REGIONS is been rude to me and treating me as a delinquent and ignoring me. I am attaching all documents concerning this matter. Please I need your assistance on this matter. I need access to my money to pay my rent and bills. Regions must give am explanation to my case and why they had treat me rude and ignoring me.All my oficial documents were stolen my ID my US passport and bank checks were inside my purse that was stolen.Only sin is this delinquents stole my purse now they went and created this caos on my bank account. My lord help me
|
| 02/20/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
ATM withdrawals while card in my possession and we're not made by myself and not permitted by myself for anyone else to do. Information other than what was told to me by phone representatives or found on website is unknown.
Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX, Nevada ( 3 ATM withdrawals ) in the amount of {$280.00}, {$300.00} and third withdrawal {$400.00}.
Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ( 1 ATM withdrawal ) in the amount of {$300.00}.
Reported to the phone # on back of card and had card # changed. Case # XXXX and case # XXXX. I have been told that this dispute has been denied and that a letter had been sent to my email. I have not received any written correspondence and continue to call to ask why it was denied as it was reported on XX/XX/2021 when I first found out as I knew I had worked and gotten paid yet transactions were being denied for insufficient funds come to find out this was why. I spoke to customer service rep " XXXX '' employee # XXXX today to infact confirm that I understand correctly what I'm reporting in this complaint is accurate. He still is unable to say why and once more, AGAIN, he will request the denial letter be sent via email to me. I confirmed that they have correct email and mailing address but he said it. Can only be sent via email. I have not gotten anywhere with this. I have not gotten my money back etc. I've made a police report even though upon my first call to this regions bank I was told by regions bank the police report doesn't help
|
| 11/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX, XXXX I applied for and was approved for an FHA Mortgage through Regions Bank/Mortgage. At the time of application, and at the closing I was told that after 5 years of paying the PMI/FHA Insurance, and no late payments that amount would be dropped from my payment, thereby reducing my monthly mortgage payment. There has never been a late payment. Each payment has been made on-time.
Last year ( at the 5 year mark ) I contacted Regions Mortgage Department about removal of the PMI/FHA Insurance charge on my monthly payment. They agreed and said they would look into it. They came back and said - That is correct that after 5 years the PMI/FHA Insurance could be removed ; however, the balance of the mortgage required to removed the insurance would not be reached until the year like XXXX. Not only is this upsetting, it is fraudulent and deceptive.
If that 's the case they are leading people by a deceptive and corrupt practice by telling them the PMI Interest will drop off after 5 years ; when they are the ones generating the amortization tables and they know that balance would not be reach for another 3 to 4 years. I have contacted them numerous times about this and each time the tone is deceptive and misleading. Personally I would like to begin a class action law suit.
I have contacted them multiple times over the last year asking them to continue to send me paper statements via USPS. They have yet to do that.
Your help in resolving this deceptive practice for both myself and other customers is greatly appreciated.
|
| 02/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year.
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees.
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached.
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months.
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
|
| 02/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
The bank kept taking these unauthorized amounts out of my account, and then when I would bring up the issue with them they 1 ) spent a few hours telling me it was my fault, 2 ) finally admitted it was a bank error, 3 ) " fixed it '' by crediting the money back to my account, and then 4 ) it keeps happening and they can't make it stop TRANSACTION HISTORY XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX )
|
| 11/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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On XXXX XXXX XXXX I paid the outstanding balance of {$240.00}. On XXXX XXXX an unexpected refund of {$1000.00} occurred, leaving my account at- {$980.00}.
When I contacted customer service, they claimed that I closed the account ( which is not true ), but they refused to explain the reasons and falsely blamed me for the closure. Therefore, I went personally to the branch in XXXX, Florida. After speaking with the Manager at my XXXX agency, I was directed to an agent who vaguely stated, " it's the bank 's policy not to provide explanations, so your money will be refunded within 7 to 10 days. '' This action will impact my credit history, despite having no late payments for years ( as a closed account is a stain that remains on my record for 7 years ). I chose the card to improve my credit and strategically reduced its use to qualify for a more significant credit, such as a mortgage for my home.
Was I penalized for having no debt? Was my account closed for aiming to maintain a XXXX XXXX XXXX' balance to qualify for a larger credit? Is a closure of {$1000.00} beneficial for a financial institution that could have gained a {$350000.00} home loan? Who is truly making the mistake?
Regions Bank has been my preferred choice for years, and I have recommended their services to family and friends. This unexpected and unfortunate experience raises serious doubts about the integrity and customer service of the bank.
I hope that the Regions Bank intervenes and mediates in this matter to ensure a fair and prompt resolution.
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| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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FCRA Violation credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine REGIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA XXXX
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| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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In XXXX of 2022, I was approached and approved for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. a Day or 2 Later, I saw on the News where this Same Company went Bankrupt and Left Customers holding the Bag. I immediately Called my points of contact only to find that all numbers had been disconnected. The News had provided an online link for Customers of this company. I found the link and it's Contacts to IMMEDIATELY CALL and CANCEL EVERYTHING Pertaining to them. I was given a series of emails & phone numbers from which to Submit an Affidavit of what happened, of which I submitted both via email, and regular mail. No Money, or Services, OR Goods were Ever Rendered, as they went bankrupt the Very next day. Needless to say, this Outstanding Debt appeared in all 3 of my Credit Reports of which I Contested all 3, yet their investigations Stood. I have literally been going back and forth with this Company for 6 Months, making Probably close to a Hundred Calls over 6 Months, Numerous Emails & Everything, Only to be Passed around and told the Same thing. " ive taken notes and forwarded your concern and someone will get back to you '' Nobody has gotten back to me, and the Matter is STILL being Reported to all 3 Credit Bureau 's as an OUTSTANDING DEBT of {$17000.00} by ENERBANK USA which NO DOUBT has Affected both my Credit Score AND my ability to get a good rate on a Loan or credit card. I've Contested the matter TWICE with XXXX sending them COPIES of the Affidavit and THEY STILL have not Removed this FALSELY Reported Debt.
|
| 07/15/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK
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| 11/25/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told.
On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}.
No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good.
Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation.
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| 05/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution.
Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate this.
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| 02/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Continued phone calls from Superfleet collections with the intent to harass and annoy and to tie up phone line. They call from XXXX. They called yesterday and I provided payment information to 4 different people yesterday. The last person I spoke with yesterday told me the account would be noted and that the calls would stop. Today when they first called, I explained that I had spoken with them 4 times yesterday, and provided them the payment information 4 separate times. I asked for them to cease and desist calling. The lady laughed at me and said the calls would continue and she hung up on me. I called the number back and asked to speak with a supervisor and a gentleman refused, spoke over me, and said they would continue to call until the payment was received. I have received five phone calls today from XXXX - XXXX XXXX. One time they actually called using two different lines at the SAME time. I then called the XXXX number to file a complaint. I spoke with a supervisor at Superfleet and then also to the cancellation department ( account was supposed to have already been cancelled ). The cancellation department ( XXXX XXXX ) informed us that they were aware of NATIONWIDE mail delays from the United States Post Office and this was happening all over. However, they continue to harass and charge exhorbitant late fees to their customers - even customers like us that have NEVER been late on a payment and pay their account in full each and every month. We asked them to ensure that the calls do not continue.
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| 02/08/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have a customer at regions Bank in XXXX Georgia. I placed my daughter as beneficiary on my checking account when I open my account several years ago. My bank is in a small town everyone knows everyone my daughter went to middle and high school there everybody knows who she is. The first incident occurred the year I opened my checking account. My daughter and her husband have their own checking account at the same branch. XXXX day she came in and could not remember her checking account number they asked her for her social and it pulled up her name up on my checking account and gave her an account balance and serval bank deposit information. She had no idea that it was my account she assume that it was her and her husband 's account she was inquiring about.
I immediately brought it to XXXX XXXX attention the branch manager. I gave her the employees name and details and she saidthe reasoning for that mistake she says is when they pulled the account through this social the first screen shows her name as beneficiary so they assume that she owned the account that was her only solution. She said it would n't happen again. Now on XXXX XXXX, 2016 the same incident occurred again. I am very angry and concerned from the breach of my personal information even though she 's my daughter and down as my beneficiary she has no rights whatsoever to my checking account!
I am requesting an expedited resolution in compensation due to the fact that it was never resolved and it is still an issue and it is against the law.
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| 02/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX, XXXX I received a call from regions to dispute some fraudulent charges that were supposedly happening on my personal account- what i didn't know was that this was a very organized and planned cyber attack on me. These people knew everything about me- they hacked into my regions online banking and had access to it all- i was unaware until later that evening. They had fraudulently set up XXXX wire transfers from my business account totaling XXXX $!!! Never in my life have I ever wired money out of any of my accounts with Regions!! This was a blatant act of fraud on the deepest level and I have been a loyal customer for XXXX years. I was duped, possibly an inside job, I don't know but they hacked my email as well- I called regions and soon figured out what had happened- I told them to stop the transfer that it was unauthorized but they said they couldn't because it was pending. that I had to go file a fraud complaint with an open branch- so I did that on XXXX XXXX. The fraud department received this on XXXX morning because they are closed on the weekends. I told them what happened sent them all the info that I had on my phone. They returned XXXX of my money about XXXX days later but will not return the other XXXX. On XXXX I received a letter saying that they would not return my money. This is unacceptable!! I have been in business for XXXX years and been saving this money just to have it gone in a flash - all my hard XXXX XXXX XXXX asking you to make regions make this right... please!!
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| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2020, I received a call from the phone number associated with regions bank which I bank with. The person was posing as a member of regions and alerting me that my account was compromised. He claimed to need my info for online banking. Because it was my banks number, I thought it was legitimate. While we were on the phone, my wife arrived and realized what was going on. She told me to hang up. At that moment, I got an email from my bank showing a XXXX XXXX transfer of {$510.00}. I was locked out of my account but my wife was able to move remaining money into another account and we immediately called our bank to cancel the XXXX XXXX transfer before it was picked up. We were on hold for over an hour and got the email that the money was picked up before we even had a chance to speak with someone. Nonetheless, we spoke with several people and I went and filed the claim at my bank the following Monday. Our bank has denied the fraud claim because I gave my online banking information. The scammer was fraudulent in claiming to be a regions banker. Fraudulent in sending money in my name through XXXX XXXX. How is my bank not held to this when we immediately, and before he picked up the money, made exhaustive attempts to stop the transfer and would have been successful in our attempts if a banker would have taken our call? People have been careless and lost debit cards and did not report them lost or stolen until after hundreds were spent and those cases return the money stolen. Our case is truly fraud.
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| 01/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I pay my credit card on time every month on the date or before. When I call and try to make a payment on time the rep. states I owe from prior month and expect me to pay double! I then give the name I spoke to and my confirmation number.. rep proceeds to say YES it shown you made payment!? but did not go through?? I stated to rep I never receive a VOICEMAIL EVER but get harassed with a text XXXX weeks after I make payment and expected to pay double the flowing month! ridiculous!!! I spoke to a very nice gentleman and told him my situation and stated your information is all in the computer and payment went through when he puts it in. He then apologize and said this shouldn't be happening all those month and proceeded to put in a complaint in for me and I have NOT HEARD FROM ANYONE! so, I try to make a payment on XX/XX/XXXX at XXXX XXXX Florida time and she informed me that I had an outstanding balance of XXXX! again, I gave the name of the person and confirmation number from XX/XX/XXXX and she stated clearly! " yes it shows you paid on time but did not go through! '' I asked to speak to a supervisor and she did NOT want to do so. I hung up phone. here are the names and confirmation numbers XX/XX/XXXX with XXXX XXXX XXXX ) XXXX with XXXX at XXXX XXXX. ( XXXX ) XX/XX/XXXX with XXXX at XXXX ( XXXX ) XXXX XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX paying XXXX with XXXX- XX/XX/XXXX XXXX ( XXXX ) FYI.. I am no longer with REGIONS which I have been for almost 20 year! I bank elsewhere. Thank you!!
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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At the suggestion of the company that installed my windows, I took out a {$45000.00} home improvement loan from EnerBankUSA, which is located in Utah, now a subsidiary of Regions Bank in Alabama. This was a home improvement loan which if fully paid by XX/XX/XXXX would accrue no interest.
After the windows were completed in XXXX XXXX and the company was paid, the loan was added to my credit scoring. Unknown to me, and not discovered until I saw my credit score decrease from XXXX XXXX XXXX. As I was looking into it further, on a credit report, they had closed my account for non-payment. It was later reopened but there was no return of my credit score back to its original score, it still remains in the XXXX 's. This must be restored to normal as soon as possible, as my car was just totaled and I need to be shopping for a new one. I am also a retailer and don't want my accounts to be closed.or new ones not accepted because of my now lagging credit score.
I have spent numerous hours trying to get in touch with the bank at both the normal and customer service numbers, and have stayed patiently waiting now for up to 2 hours at a time. I always get the same recording on both lines which says because of high calling time the wait will be ... the last time XXXX min on the regular line and XXXX min for the customer service number. I have tried, morning, noon and afternnoon, There is no way to actually contact this bank, and I certainly wonder if all these other calls are not for similar reasons as mine.
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| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call
|
| 05/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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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}.
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| 07/02/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Regions has twice not honored Bill Pay checks with a specific delivery date. This has dropped my credit score and now shows up as a late payment on my record although the arrangement was made up to two weeks in advance. In one month I was charged {$39.00} for XXXX XXXX ( normally a monthly fee of {$9.00} ) and was told I need to go through a formal dispute to correct it. Disputes require information to be faxed ( who has time for that? ), and take ten days to be reviewed. If you are lucky at the end of 16 days you 'll get a letter stating what happened. Why should I have to go through this?
There have been multiple times where bank errors have caused overdrafts and the bank has refused to refund the fees, even going as far as to charge me {$35.00} for EVERY single transaction that posts after the account is over drafted. Once I swiped my card for items on a Saturday that did not clear on my account until the next Wednesday. Once the transactions cleared my account was {$4.00} short. I was charged {$140.00} in overdraft fees. Normal banks process transactions within 3 days of purchase. Regions processes them whenever they feel like it.
I have even had a banker call me repeatedly at work the day I received a tax refund to offer me all types of credit cards, after generously telling me how much money was in my account. This is very invasive and I am upset that someone monitors my account to that extent. The list goes on and on. This is hands down the worse bank I have ever been a customer at.
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/ I received a text message from phone # XXXX stating REGIONS BANK N.A. : Did You Attempt A Transaction Of {$220.00} At XXXX XXXX, GA? # XXXX REPLY I/ ( YES ) Authorize ( NO ) Fraud, A Call Will Be Generated To You Momentarily please be on stand by After receiving the message I messaged back NO. Immediately I received a call from a regions phone # with a lady on the line named XXXX. She proceeded to ask me about some transactions that had occurred on my account that was not me being that this is a business account I DO NOT HAVE A CARD FOR THIS ACCOUNT. I ONLY WRITE CHECKS OUT OF THIS ACCOUNT AND PAY MY BILLS ONLINE WITH MY CHECKING ACCOUNT. I proceeded to log into my account with regions coming to find out there had been several charges on my account that said XXXX XXXX Deposit but it was not deposits it was money being withdrawn from my account. SEVERAL DAYS SEVERAL TRANACTIONS. Totaling an amount of {$24000.00} I have been round and round with Regions Bank and have got no answers to where my money went and no answers of when my money will be given back and not one phone call from Regions Bank to talk to me about what has happened. I have called Regions numerous times still getting nothing. This is a lot of money not just {$5.00} and I want my money back and some answers from someone of what is going on. I have opened a new account with Regions and have taken all security measures to prevent this from happening again now I need Regions to do their part and help me get my money back.
|
| 01/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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My credit/debit card number ( I had possession of the card ) was compromised and used at a gas station some hour plus away from my home local. Then, there was at least XXXX attempt for use of my card the next day XXXX XXXX XXXX, 2015 ) XXXX, I am XXXX. The only reason the XXXX XXXX attempt failed is because I had called the bank regarding the " pending '' charge from the gas station that occured or had a date of XXXX XXXX, 2015 ( called immediately ). I received a letter on Sat, XXXX XXXX, that the activity was normal and no error had occured. Well unless Pennsylvania is a normal activity for me, which it is n't, the bank is just refusing to take care of a fraud issue. Granted the charge for gas was {$48.00} but had I not caught it, I could have had a major problem ... not to mention every penny counts in my household! My understanding is that I am not liable for these charges since I physically had possession of my card and the number was stolen. The bank, Regions, is being tacky and refusing to look into the " actual '' authorization activity on the account. The investigators did n't even use this information before sending me a letter of denial. I then called and spoke with a resolution specialist. I still have yet to hear anything but feel this case is being swept aside by Regions. I am being forced to jump through hoops and 2 hour long phone calls to no avail. I am the victim here! Why should it take so much for me to get a resolution?! Their actions, or lack there of, are unacceptable.
|
| 03/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
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Web |
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In XXXX, the account for myself and my daughter was frozen ( my daughter is XXXX and it is her account, I am just a signer ). We went to the bank to inquire as to why and we were advised that their had been some fraudulent transactions on her account and they needed time to investigate. Since that time we have been there multiple times and have gotten nowhere. Her account is now closed and has been sent to collections, but the lady over the XXXX branch insists that my daughter had to have done it or have some knowledge of how someone got her info. We discovered that there had been multiple fraudulent mobile deposits where they tried to transfer the money out immediately, but it did not work. Her signature or information is not on any of the checks that were supposedly deposited and they continue to tell me that she would have had to have given her login information to her online banking. I explained to them that people 's social media accounts are hacked all the time, without the actual user provided and requested that they conduct a deeper investigation so that she can be excused of the fees that are now in collections. I have been told by 2 different branches that since it is now in collections that their investigation is closed and she just has to " XXXX it up '' and pay the fees. She is XXXX XXXX XXXX with a hit on her credit before she can even get into the real world and I do not feel as though she should pay these fees, since her account was in the positive when all of this started.
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| 02/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
|
I am re-filing a complaint against Regions Bank regarding a loan for a boat that was paid off in 2015. The information I received from you regarding the former complaint ( XXXX ) from Regions Bank was their claim that the title was mailed to me in 2015. It was never received. Also claimed by Regions Bank was the PDF copy you furnished me claiming the lien release was sent as was the letter from the bank.
I received a BILL from these people for five years without fail. The address, the name the physical address, and the post office around the corner ( we live n a town of less than 300 people ) remain the same. I have talked to our postmistress to be sure there was nothing amiss. We know each other on sight so there is no confusion about who I am or my mail delivery.
FIVE YEARS I RECEIVED A BILL REQUESTING PAYMENT AND FOR FIVE YEARS I PAID IT. THERE WAS NO PROBLEM WITH MAIL CORRESPONDENCE UNTIL THEY GOT THEIR MONEY!!!!!!!!!!!!!!!!!!!!!!!
NOW SUDDENLY I CAN NOT GET A TITLE REPLACED BECAUSE I CAN NOT GET A LIEN RELEASE. I HAVE A {$34000.00} WATER CRAFT THAT I CAN NOT SELL OR TRADE AND WILL NOT BE ABLE TO CONTINUE TO REGISTER THE BOAT TO BE ABLE TO USE IT ON PUBLIC WATERWAYS. YOU CAN NOT TALK TO A REAL PERSON AT REGIONS BANK.. YOU SIMPLY GET INTO THE NEVER ENDING LOOP OF RECORDINGS AND REFERRALS WHICH ALWAYS ENDS UP IN THE SAME PLACE.
I AM AT THIS POINT OUT OF OPTIONS. FOR FIVE YEARS I RECEIVED MAIL FROM THEM.
MY INFORMATION HAS BEEN THE SAME FOR FORTY EIGHT YEARS.
PLEASE HELP.
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| 11/15/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Our parents had two accounts in a Regions Bank brand in XXXX ( at XXXX XXXX XXXX XXXX ) with an aproximate balance of XXXX dollars, They died at the beginning of XXXX, my brothers and I sent the documents required for the bank as the universal heritage document issued by a court of our country, XXXX, ( translated in english and XXXX ) and other documents as our parents passports and XXXX Id.
The bank sent us an email telling that all the documents were ok and they were ready to issue the checks with the amount of the two accounts ( savings and money market account ) to us ( the universal heritages ). Just few days later they sent another email were they explained that the money of those accounts were withdrawed by a phone transfer to an account in the XXXX XXXX XXXX. So they told us that as we don't appear as beneficiary in one of the accounts we needed a letter of administration to one of us to claim the return of that money ilegally withdrawed.
In the money market account only signed my father and my mother was the beneficiary. In the checking account signed both of our parents and we are the beneficiarys.
The universal heritage document issued in XXXX made first the heritage procedure to my mother and then to us.
The bank refuses to gives us the easiest way to recover the money that legally belong to us.
The case has been managed by XXXX XXXX ( XXXX relationship Sr. consultant, phne number : ( XXXX ) XXXX and XXXX XXXX ( Vice president of Consumer Banking, XXXX South Region )
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| 12/11/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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on XX/XX/2021 i noticed one of soon to be several unauthorized charge on my account in the amount of {$310.00}. now on this particular day it happened to be my now XXXXXXXX XXXX XXXX birthday! leaving me devastated and moneyless with three other children to feed and no means to feed them i found myself having an anxiety attack! I then proceeded to contact Regions immediately, after being on hold for 30 minutes i then spoke with XXXX XXXX who i confronted about the unauthorized charge. After being told i would not and could not reverse the transaction i demanded my money be returned yet again under 15 usc 1692h 15usc1692d 15 usc 1692e XXXX in return call her supervisor who also tells me the same thing that i can not and will not be returned any money! Regions then again on XX/XX/2021 took XXXX on XX/XX/2021 regions took XXXX and again XXXX XXXX after being told not to keep garnishing my account they did so anyway! I want to know how are they able to use my credit card and take my money when they feel like it please elaborate for me after being violated they continued to mail several alleged debt letters to my familys place of abode on XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 when i called to investigate regions told me they had no knowledge of what had been sent and to whom it was sent to regions went as far as closing my account without my permission just mind blown that they think they have the right to do these things to me me being the consumer thanks ill be waiting a response
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| 03/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem getting a card or closing an account
- Trouble closing card
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Web |
Older American |
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XX/XX/2020 downtown branch in XXXX Alabama open a new checking account, and apply for the bank security bank card. Received copies without my signature. Call Wednesday stated XXXX XXXX she had me sign in the wrong place too come back in. And the underweight had sent the application back. Came in Friday asked them too close the account and put the money in my checking account. The person I spoke with XXXX XXXX and Nd XXXX about closing the account. They stated it would take 14 days sometime 24 hour. Called Tuesday spoke with several people over the phone and finally sent to the credit card department and the man stated he would close the account and in two day my money would be in my checking account. Called Friday the XXXX they stated they were process the application and I would be getting a letter in the mail. Today the XXXX I was told they could hold the money for XXXX and that was never stated. If I did not sign in the right place going forward how did they process the application without the proper signature. And continue to hold my money. The process was never stated how long it would take the application process. And if I cancelled before receiving a card their should not be a hold on the monies in the saving account. I paid XXXX dollar interest when the account was open. Now refund my money and interest for the time I couldn't use my money. They design a plan suppose too help yet they abuse and cause hardship with untrained staff not know the detail of how something works.
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| 03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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At the end of XX/XX/XXXX, I received a letter for a credit card promotion from Regions Bank. The promotion stated that if I spent a certain amount ( {$1000.00} or {$2000.00} ) in 3 months, I would receive a {$300.00} bonus. On XX/XX/XXXX, I called the phone number on the letter and read the promotion code to the representative. He confirmed the bonus and I signed up for the credit card. I tried to sign into online banking, but had multiple issues. I called for assistance, but the representatives could not figure out how to fix the error code. When they tried to send me to another department for help, I was disconnected. This same process happened several times with the same result. I was finally able to get ahold of someone who helped today and I was able to gain online access.
Once I was online, I messaged the helpline to confirm the amount I needed to spend to be eligible for the bonus. They stated there was no bonus promotion showing, only an offer for a balance transfer. When I called again, the representative put me on hold 4 time for 5 minutes each time, only to tell me she was unable to gain access for such information.
I have wasted a considerable amount of time for an answer that should be found on the original call, assuming the call was recorded or notes taken. I am a full-time nurse with a special needs child, so i do not have additional time to fight this.
I feel I have been taken advantage of with a false promotion in order to get me to sign up for a credit card.
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| 07/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an account with Regions online on XX/XX/2022. I had a direct deposit sent to my account on XX/XX/2022 in the amount of {$1600.00} from a installment loan company that works with my job ( XXXX XXXX XXXX XXXX ) and it was pending in the account. On XX/XX/2022 the deposit completely disappeared so I called the XXXX branch because the one in XXXX fl was closed. They told me to call customer service because they couldnt see any deposits or anything on my account and customer service could see more of my account information. So I call the customer service number and the associate I spoke with was very dismissive even implying that I was lieing about the deposit altogether and she said that I needed to go into a branch and that the branch can see more info than them. So I drive 45 mins to the branch in XXXX. Show the associate the text message I received saying that the deposit was made to my account and he told me that my account was closed because I didnt pass the screening process and that the direct deposit was rejected for that reason. XX/XX/2022 I received an email from regions saying that I need to fund my account. So I contact regions asking how can I fund a closed account and I am told that my account is still open. So I called the loan company and they said they were told by regions that the account was open but it was frozen. Now i am being denied for the loan and its all because of regions and their lies and negligence. My first and last time banking with regions
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| 04/08/2015 |
Yes |
- Other financial service
- Check cashing
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Web |
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I wanted to write and voice a concern involving the banking practices of Regions Bank and possibly others. My mother had surgery on XXXX and spent 14 days in XXXX. During this time her home was broke into and her Television was stolen. Upon returning her to her home she wrote me a check from her Regions back account and asked me to cash the check and go buy her a new television. I pulled up to the drive through and presented the teller with my mother 's regions check and my driver 's license. I was informed that I would be charged {$4.00} since I was not a member plus I would have to come inside.
My first concern:1. laws, rules/regulations that allow Banks such as Regions to charge a fee to cash a check that their customer wrote is not customer service. This ultimately will result in an increase fee to their members/customers. For example : when an individual pays for services with a Regions check, a non-member will have to charge an extra {$4.00} because it was written from a Regions bank account. if these fees generate XXXX to XXXX revenue per month, putting this fee back on the account holders will result in them finding other banks to conduct their business.
2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair.
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| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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My ex husband and I had a joint account that was supposedly been offset and closed. Ive been inside XXXX, Tn Regions branch to get my name taken off the account apparently the teller did not do his job. Ive also called numerous of times for my name to be taken off the account and closed. However, my ex husband whom is supposedly banked with Regions as well have a few things coming from the account that he did not stop so according to Regions since it is a joint account and with my name on it the will take the money from my new account since it is active and available instead of the person they clearly see who fault it is. This is the first time that it happened which was XXXX XXXX in the amount of {$190.00}. I spoke with several people about this issue they all gave me the same excuse, nothing can be done. As of today, XX/XX/2022 the same issue arise there was amount of {$57.00} taken from my account due to my ex husband issues as stated before. The account apparently was reopen because of my ex husband mistakenly depositing {$30.00} into the wrong account. The joint account was offset for at least a month before this issue. There was also another fee on XX/XX/2022 in the amount of {$170.00} that was taken out of my account from Regions that I was unaware of. I have been banking with Regions for awhile now and I am very disappointed in the lack of concern they have shown. The entire situation is unfair and disheartening to the point were I no longer want to bank with Regions.
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| 07/21/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved.
Thank You, XXXX
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| 08/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
Older American, Servicemember |
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The loan was taking out through the contractor to install gutters and garage doors at that time both my husband and myself was employed and had no problem making the payments but as of XXXX of XXXX we started having financial difficulties first myself and then my wife Myself with XXXX and my wife with XXXX problem on XX/XX/XXXX we contacted our creditors including XXXX and tried to workout an hardship plan but XXXX have refused to work with us in XXXX a lady by the name of XXXX requested we provide proof of our present income which we did and we stated that the most we could pay monthly is {$200.00} nothing has been done and we continue to receive phone calls asking to pay the regular monthly amount of XXXX and two letters threatening with taking action to demand the entire balance to be paid in full we were asked in XXXX to make a regular payment subject to working out a reduced payment and again in XXXX and XXXX at which time we borrowed the money to make those payment hoping the problem would be solved and in XXXX we received another phone call and also a letter demanding the full payment.
Please help us to work this out because we are not refusing to pay but at this time we can not afford the regular and or full payment the only income we are receiving presently is about half of what it use to be we can just about make our mortgage payments to keep a roof over our head and are seeking help to pay our utilities and taxes that continue to increase Thank you, XXXX XXXX
|
| 03/16/2017 |
Yes |
|
|
|
Web |
|
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Our company has been using XXXX XXXX Mastercard for about a year.
It was attractive to our company because it allowed us to use the card at select Big Box Stores ( XXXX, XXXX.. ) XXXX there was an internal change, customer service was moved to XXXX and during this change we were unable to view our invoices. Called several time to explain that the invoices were not available. They assured me that during this transition we would not be shut off. They also assured me that we would not be responsible for late fees or interest during this transition. Well we were shut off and were forced to pay the late/interest fees to get it turned back on. I explained that we were unable to make online payments and they said they were working on it. Also explained that all charges from big box store were not broken down, no description was given as to the hundreds of dollars spent. Again they reassured me that the IT department is working on this. We have decided to move our business to another company, as we feel it is unfair that we are promised one thing from customer service and then told another after we have been shut off.
Informed supervisor XXXX of all the false promises, she said her hands are tied.
Must make payment including late fees/interest for invoices that are incomplete and unable to make payment online.
Used to be a good company gas card, now that it moved to XXXX it has been a disaster.
WOULD NOT RECOMMEND THIS GAS CARD.
They explained there was trouble with the
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XXXX XX/XX/XXXX we contracted XXXX XXXX to replace two of our HVAC units. The job was assigned to the contractor XXXX XXXX XXXX. The installation was completed on XX/XX/XXXX and financed by Enerbank, Loan # XXXX. At the time of sale the contractor offered us " Satisfaction Guarantee ' '' which allows us to request a full refund back. We've being having issues with contractors job. Specifically the units are not operating properly and the Contractor failed to schedule the XXXX State Required Inspection. On XX/XX/XXXX we started a dispute on the charge paid by EnerBank to the contractor on my behalf. The dispute was for aforementioned reasons. As a consumer I never agreed to purchased inoperable units, and definitely I will not accept any un-permited work, by the State of XXXX, on my Property. The Contractor agreed to refund XXXX from the original loan which was XXXX. The XXXX $ where paid back to Enerbank on XX/XX/XXXX. The remaining balance is still under dispute. I am filling this complaint against Enerbank because : 1 ) Enerbank is trying to charge me interest while we still have an open dispute on this charge.
2 ) Enerbank failed to send me a notice which 30 days, acknowledging the Dispute we started on XX/XX/XXXX 3 ) Enerbank failed to resolve the dispute with two billing cycles required by law.
An acceptable resolution for this case is for Enerbank to collect the remaining funds paid to the vendor because the contractor failed complete the job successfully.
|
| 01/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I have used Comdata to provide lumpers for my drivers. I used transactions to see charges. I found out when trying to reconcile my account, Comdata added a fuel program and tire program that I never agreed to. I have my own fuel and repair accounts with XXXX and XXXX account. They charged XXXX and XXXX a month. They agreed to remove one charge. I was also charged {$150.00} for late fees totalling {$4000.00} for the year of 2021. I am saddened and embarassed by their abuse and my hindsight. I had a {$3000.00} credit line that I paid with my bank bank account, this does not show a due date. They said you had to pay every 5 days. I was never aware of this. I asked for all monies to be returned. They said they would research it. I asked for a supervisor. I was told a XXXX would call me, no call, I called again and I was told it was escalated, ( no call in over a week. ) I have 10 fleet managers per comdata and have spoken with XXXX, XXXX, XXXX and XXXX. I closed my account, so not to incur any additional fees. I am unable to get back in and review any charges and or credits and have asked for someone to contact me. This has not happened. After being on hold for 20 minutes, customer service, XXXX said send an email. Here is my email. I will be awaiting your response.
You are welcome to call me at XXXX x XXXX, XXXX XXXX to XXXX XXXX or call my cell XXXX.
Comdata received this email today XXXX plus all the other calls that happened throughout this month.
.
XXXX XXXX
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to Regions Bank.
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed.
After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online.
I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
|
| 09/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
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Regions Bank sent me an offer in the mail regarding opening a new account. The personal code for the offer is XXXX. The offer stipulates that the account must be opened before XX/XX/XXXX, that 10 purchase must be made and online statements established within 30 days of opening. The account was opened on XX/XX/XXXX and enrolled in online statement and 10 purchases made within 30 days. There is no confirmation stating the online statements were selected/enrolled so there is no way for the consumer to know the process has failed. This process is intentional and by design so that Regions does not have to pay the {$400.00} bonus they offered. The process is deceptive and unethical. When I called on XX/XX/XXXX, the representative confirmed I was not enrolled into online statements. I told her that I did and there was no way for me to know the process has failed. She enrolled me at that point and said if I don't see the bonus that they would open a ticket. I called again on XX/XX/XXXX to inquire again and the representative said I would receive it on the next statement cycle. When I called again on XX/XX/XXXX, the representative said they found no record or reason so they opened a ticket ( # XXXX ) to find a resolution. And on XX/XX/XXXX, a representative called to tell me I didn't enroll in online statements within 30 days of opening and I would not receive credit. I have filed an official complaint with Regions Bank ( # XXXX ) for unethical and misleading practices.
|
| 06/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
XXXX the XXXX through the XXXX XXXX {$400.00} regional Bank went into my savings account without my permission and took my {$400.00} after I may attempted to solve the problem for for something they say was a computer glitch my local branch straighten the problem out and refunded my money back into my account but later on the XXXX they went back into my savings account and took {$400.00} out after I did it online transfer for {$400.00} after I cancel my {$3000.00} CD with them the fee cost me {$20.00} before I cancel it I had a balance from {$100.00} etc from a refund from XXXX that's the only money I had in my checking account then I went to withdraw my CD they charged me {$20.00} after that I deposited {$1000.00} about XXXX on my lunch break and then I looked up about XXXX a.m. it was a negative balance of {$2400.00} with a balance of in my savings was XXXX but first it was XXXX then they left me a balance of {$1200.00} I went up to my local bank and ask them what was the problem they told me it was a computer glitch and we will straighten them situation out they straightened it out and refunded my money back for {$89.00} in my checking and {$500.00} in my savings but later on today regional Bank decided to go back in my account and take {$400.00} out and claim that this is not my money I have receipts a bank receipt this is a history regional Bank have committed a violation against my savings account and my money I like to file a complaint thank you
|
| 10/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Servicemember |
|
Ref Regions Unauthorized Transactions Claim # XXXX. On Saturday XX/XX/2018 we discovered fraudulent purchases on our checking account that was made through a debit card. We cancelled the card ASAP and reported the fraud. We were advised to go in and file a complaint when all items had posted. My wife went to regions in XXXX Al on Tuesday XX/XX/XXXX. She spoke with XXXX XXXX and gave him a list of items that were on our account that we had not purchased. 4 of the 8 items were in regard to play station. Upon completion of Regions claim my wife saw an additional charge that was added to the list that was a legitimate purchase for our son ( XXXX ) on his play station account. My wife advised XXXX XXXX 2 times that purchase was not a fraudulent purchase. He said that it needed to stay on the claim. My wife went back into the bank again within in 30 minutes and again advised she wanted that removed from the claim and was advised it could not be removed. Therefore XXXX XXXX has made a fraudulent claim after being advised 3 times of the truth. We have made multiple attempts to correct and resolve this matter and can not get any clarification or written proof that this has been corrected. I have been hung up on when discussing this with corporate. We just want it to be documented that the charge on XX/XX/2018 is a charge that we made and we owe. We also do not want the fraud investigation to be held up or overturned because of a fraudulent claim by XXXX XXXX.
|
| 01/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back.
I have made several calls to Regions to let them know about the situation, I spoke with at least XXXX agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I also have a loan with them and now they have caused my loan to be past due for two months due to the fraud that occurred in my account.
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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XX/XX/XXXX, XXXX contacted Superfleet /Fleetcor/Comdata about not receiving an invoice Was told by representative there was a " GLITCH in our system '' Showed XXXX balance but paid {$750.00} anyway first week of XXXX.
Paid monthly payment due until XXXX showed extreme Amounts due XXXX XXXX Contacted Company to request credit back for " high risk '' fees Each time I get a voice-mail. Nothings getting done. Finally emails were returned and someone tried to help but still not getting anywhere. Have all emails.
Still made monthly payments minus these excessive fees ranging XXXXXXXX XXXX Over what we are use to paying for fuel costs. Was told XX/XX/2023 we would receive credits for over XXXXXXXX XXXX Never received credits. Now XXXX is sending our account to XXXXXXXX XXXX to collect. We have XXXX credit. Never late on anything but when this company asked me to pay the balance of XXXX and then they would credit the fees after full payment is made, it made us very weery of who they are. We have heard about this happening to fellow businesses we know but never to us. We are at risk of our credit being varnished. And that is all we have as a small business. We have tried several times to resolve and nobody ever returns calls. We have made all attempts to fix this. Was on the phone all day with them being told different things by different reps.
Please note, we have paid all monthly invoices on time each month minus the excessive fees they were charging.
|
| 05/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I paid a XXXX statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit.
On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either.
Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them.
Thanks in advance or any help in resolving this situation.
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Overdraft fees are unethical and negatively impact low-income workers and people who struggle with money management.
Over the course of two days, Regions bank charged me 3 {$36.00} overdraft fees totaling {$100.00}. I " locked '' my debit card using their " LockIt '' service to prevent any overdrafts, but this service doesn't block automatic payment transactions.
I used their online help messaging system and was told that I need to sign up for overdraft protection, which isn't an option for me because it requires that I have MORE money to put into a prepaid card.
I called their customer service line after I was in tears from being so overwhelmed. After speaking with a supervisor I was credited ONE fee back, which I am grateful for, but I'm still negative {$72.00} PLUS the amount of the insufficient transactions.
I have a good credit score, so I don't want to open any lines of credit or accounts or cards, I just want this company to have a bit of empathy for me when they can clearly see I have paychecks being deposited into my account every week to make up for any insufficient balances.
Since moving into a new apartment with a higher rent, I've had to work multiple jobs to be able to afford to live. I am not an excessive spender, but I have always struggled with money management and have anxiety around finances.
This {$72.00} could have been used for my water or light bill, now I will have to find another way to pay for those things.
|
| 06/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
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.
|
| 07/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I've filed multiple complaints with Regions Bank for fraudulent charges to my checking account via debit card, yet they close out all my claims. I'm a victim of identity theft and have told them this.
They close out my claims and say they need more documentation, instead of keeping claims open and obtaining the docs they need to investigate. I assume they do this so they don't hit the 10 day statute.
Also, the software their investigations department uses is biased to go against customer 's interests. Regions is trying to reduce claims that get sent over to VISA. Because of this MANY valid and LEGITIMATE disputes for fraud or did not receive goods/services are being denied and the consumer has to suffer. This also raises concern over Regions not recognizes true and actual fraud and taking steps accordingly to protect the consumer, since their software denies customer 's claims.
In my personal experience, I am now facing a great economic hardship because they refuse to push my disputes over to Visa. I have a police report, FTC report, and affidavit- yet Region 's software keeps denying my claims. I'm not able to speak with the investigative department, nor are the customer service reps.
My claims are 10 days past due. I am not counting them closing my claims just because they don't want to wait for docs. They rely heavily on their banking policies, but Federal mandated regulations for Federal Banks always trump internal banking policies.
|
| 05/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Please see previous complaints that were lodged against Regions during the process of obtaining our mortgage and how the amounts changed from amounts originally quoted to the day of closing. Now, a year after our closing - our monthly payment increases by {$150.00}. That's over 10 % a month. This creates a real hardship for my family - all because Regions under forecasted our monthly payment in order for the numbers to look lower at the closing table - another deceptive tactic which has been deployed by this company. Please review previous complaints XXXX and XXXX both of which allege unfair, deceptive, abusive and unethical business conduct. A full investigation and examination should be conducted into this financial institution 's oversight function and compliance management system. I continue to receive letters from their legal team stating there is nothing wrong but where is their Compliance Department? This is a complete failure of any sort of second line effective challenge.
Consumers depend upon accurate loan estimates and closing disclosures ( that's why regulations were put into place after all ) in order to be able to manage their finances. If we can't depend on those, how can we expect our consumers to be able to service their debt and the economy to not implode, causing a repeat of XXXX?
Additionally, I am a XXXX US XXXX XXXX XXXX, serving XXXX. I have had multiple issues with the servicing of this loan. See complaint XXXX.
|
| 10/21/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
This all began XX/XX/XXXX when my wife of 30+ years passed away. My stepdaughter had been living with us and continued to do so until the XXXX. Apparently, my stepdaughter had stolen blank checks from my home XX/XX/XXXX. When she moved out XX/XX/XXXX, I was still under much mental stress from the passing of my wife. I knew the amounts that had been deposited to my Regions Bank account and my account at another bank and what was withdrawn by me, but I did not discover the forgeries until I was contacted by the bank due to overdraft XX/XX/XXXX. I contacted my local branch and found that between the XXXX accounts over {$20000.00} had been XXXX and forged against my account. The XXXX account has reimbursed me over XXXX % of lost funds, however, that was a different bank. I have now been informed from Regions that I will not be reimbursed for the $ XXXX+ that was forged on this account, due to it not being reported within 30 days of the first forgery. However, these forgeries were reported to multiple counties and cities on forgery and theft charges upon encouragement to do so by Regions Bank to ensure my losses. I followed directions from the bank officer, and then received phone call last week stating that NO funds would be reimbursed. These transactions were due to the fault of the bank, by MULTIPLE tellers and branches, and the dollar amounts and timing of check cashing were extremely suspicious, and they were still cashed without question.
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
We have a loan with EnerBank USA ( owed by Regions Bank ) to finance the purchase of new windows for our house. This is a 7 year, 0 % interest loan which we have been paying through auto-pay since the inception of the loan in XX/XX/XXXX. While reviewing our checking account statement today, we noticed that they withdrew our payment amount of {$350.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX.
I called EnerBank to question the charge, and they informed me that they were aware of issues with their auto-pay, but we had not received any communication from them that this issue was taking place. I was told that even though the issue was on their side, I was still going to have to go through a refund request process which includes me writing a letter to them to request the payment be refunded to me and sending them a screen-shot of my bank statement to show that the payments had cleared and that we had a positive balance after the money came out. This makes no sense at all because when we log into our EnerBank account website, it clearly shows both payments have been credited to our account.
At this point, I asked what agency oversees them so I could file a compliant. The representative laughed, and told me that I could report it to the XXXX XXXX XXXX. This is obviously ridiculous because the XXXX has no regulatory authority whatsoever. It seems fishy that a representative of the bank would not know what their regulatory agency is.
|
| 01/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked.
|
| 10/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I went to use my Visa debit card on XX/XX/2018 at my local hardware store. My card was declined. I then went home, logged onto my banks website and noticed purchases on my account that I did not make. I called the bank, they informed me that suspicious activity on my account hat caused them to freeze my account, that I needed to go to a local branch office to open a dispute. I then went to the bank, open a dispute, but I had to wait until all of the charges cleared my account, all the while incurring over draft charges because I transferred all of the money out of the account as to not incur further illegal purchases. The bank sent me a letter in the mail saying that they had investigated my claim and fount that all of the questionable charges that that caused them to freeze my account were authorized transactions. They were not. So I went back to a local branch and had the open the dispute back up and to investigate again. A week later I received another letter stating that my second dispute had been declined because they had found that one of the charges was actually mine. I told them about that particular charge being mine from the very beginning. So thus far they have refused to credit my account back with these charges or the over draft fees that I was charged during this period. This is a business account that I have had with Regions bank for twenty years. This is unacceptable. They do not answer their help line phone number.
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I received a call from Regions Bank stating there was recent unusual activity on my account. I was shopping at XXXX which is located in the same plaza as Regions Bank so I told the representative of Regions that I was going to drive to the bank and asked him to hold on. I spoke to the teller inside my bank and she stated they dont call people if there is an issue with their account so I hung up with the representative. She looked at my account and told me that the day before 2 charges went through my account. I told her these werent approved by myself. She stated she would review my account and get back to me. Several days went by no response so I went back several times with no explanation as to what was happening. I filed a police report and police followed up with it and stated Regions said there was no such account number. I have been with Regions Bank since XXXX, my credit score is over XXXX, Im married, my house is paid off, Im retired and I dont have excessive amounts of card debt. The bank started to treat me like a criminal and eventually said they felt I was behind the charges and said I had to pay it all back. Im paying it back because I dont want my credit messed up and also because somehow this loan turned into HELOC and is attached to my home that is paid off. Please Im begging you to help me with this Im at my wits end with this and just want my name cleared. I think they turned me into XXXX for fraud.
|
| 07/17/2023 |
Yes |
- Credit card or prepaid card
- Payroll card
|
|
|
Web |
|
|
I XXXX XXXX XXXX XXXX XXXX They use a prepaid debit card through Comdata XXXX The Fee schedule included with the card under the 'Get money ' heading states that a bank teller withdrawal with the mastercard network is a {$0.00} no fee transaction.
My bank XXXX XXXX XXXX attempted this for the amount on my card of {$350.00} and was declined.
I contacted Comdata customer service on XX/XX/2023 and spoke with a representative. They told me that XXXX chose to not allow that function. A withdrawal at an 'XXXX XXXX network ATM would be the lowest fee transaction.
I asked for a supervisor to clarify this for me.
The second person I spoke with also claimed that XXXX has denied that transaction option and there is no way to withdraw my money without a fee.
I asked for another supervisor or their legal department to clarify this statement.
Then I was put on hold for 30 minutes, at which point I chose to disconnect.
1. This means I can not get my money without a fee.
2. The fee schedule with my card ( And any other users with the same card ) is false.
I then contacted XXXX XXXX XXXX XXXX XXXX as the 'existing " XXXX option did not allow me to contact a representative.
The rep was nice, and told me that information is available from the card issuer.
I explained what the card issuer told me, and he offered to submit a case with the corporate office for XXXX.
As of this writing I have not received any more communication from XXXX.
|
| 07/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Unauthorized transaction. I have a police report and a email statement that it was a scam and pulled into fraud account. Regions will not refund! I had money stolen from my Regions Bank Account on XX/XX/2018 one transaction for {$5000.00} and one for {$3700.00}. I called to inform them and they said they would be glad to report the claim. I got a police report and an email saying money was pulled unauthorized into a fraud account and was a scam incident. Regions Bank denied a refund. They did not notify me and help in anyway to stop this and when found to be a scam and stolen without my authorization, they refuse to refund my money back to my bank account. I have tried going to the bank, over the phone, and by mail. They refuse to take responsibly for allowing my money to be hacked and stolen from me. My name is XXXX XXXX and my bank account is XXXX ( opened in XXXX, MS ) and last 4 digits of the card was XXXX. All of this money was pulled into a fraudulent account. It bought cryptocurrency and I did not authorize these transitions and want Regions to put that stolen money back in my account. I have a police report XXXX. Which states money was stolen and unauthorized. They lied and said they talked to the company. I called and the company said they never spoke to Regions and would not speak to banks for any reason. They just don't want to take responsibly for allowing these to happen and not being accountable for their mistake.
|
| 07/09/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.
|
| 02/13/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially.
My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds.
I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly.
If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating.
I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.
|
| 03/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have been with this bank for 20 years and have had maybe one fraud case before. I was locked out of my account recently and waited and waited for close to an hour without getting anyone to get back in so I hung up. About 3 days later, my regions card was declined, which is odd, since I have over XXXX put into my account a month. I finally got into my account and found I was hacked with charges from back in XXXX for around {$3000.00}. I went to the bank and put in a claim, since I had no idea of the vendor and wanted to dispute. I put in the claim on Monday and received a small credit of about XXXX that included fees. I went to the mailbox today and received 4 pages of explanations of why they denied the claims. Now, these are some of the SAME VENDORS THAT THEY PAID EARLIER. I get an explanation of VERIFIED WITH CARD CREDENTIALS, which is false. Not one person called me, and some of the same vendors they credited my account back for and stated the items were paid and the claim was valid. The claim number is XXXX and XXXX. I am not one that sits there and looks at my account, since I put so much money in a month, but wouldn't the bank think it's odd that I was XXXX and NEVER contact me? This is BAD BUSINESS to not even investigate. It also states on the denial that NO REPORT OF CARD, THEFT OR COMPROMISE. These items are ALL online!!! I AM LIVID and BAD BUSINESS, not to mention the close to XXXX they made on me on OD Charges!!
|
| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had an event that I thought was fraudulent. I was confused as to how a company, who I had given my old card number and had canceled due to me feeling that they were a fraudulent company, had my new card number. After calling my bank, Regions Financial, today, XXXX, after receiving a letter from them stating that the withdrawal of the funds was not fraudulent, I was told that it is Regions ' policy to persist payment on all debit cards that are set up for withdrawals. I asked if this was something that I signed to say that this was okay to do and I was told that it was n't anything that I signed to give permission, but rather a policy of Regions. I 'm not sure if this is the practice of all banks, but I would think this falls under the overdraft protection where I would give permission for that service and would know that if a company has my card for withdrawal that it would not stop due to my card cancellation.
The other issue is that the agent I talked to in the bank had no idea of this practice. He was actually confused and thought that the company who continued to charge on my account had access to my account number. So, this is definitely not " known '' information within the bank because those agents of the bank who opens accounts do not know in order to inform account holders. I ended up canceling the account that was attached to that card and opening a new one because I thought that a company had my account number.
|
| 08/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My debit card was declined today XX/XX/19 for a {$5.00} purchase. I tried running this transaction with my pin number as a debt and also as a credit, both were declined. The problem was not with funds so I called the customer care number to try to figure out why this happened. When speaking to the representative her first response to why this may have happened was that she saw a flagged transaction on the prior Sunday XX/XX/19, but she was going to investigate more. She put me on hold to do so and when returning her answer was that she was unsure why my account was locked but that she had unlocked it. I appreciated her unlocking it, but it did not alleviate my concerns : 1. If a transaction was flagged on my account why was I not notified? She said that the particular transaction was ran and declined and then ran again with my pin which is untrue for it is a restaurant I frequent and they have never required a pin for a transaction. 2. If my account was flagged for suspect of fraud on XX/XX/19, why could I make transactions up until XX/XX/19 with and without using my pin? I love knowing that there are processes put in place in case an account is compromised, but with a delay like that there could have been massive damage occurred to my account. 3. How can this be prevented in the future? I would like to know that I have access to my funds and if something would happen I would like to know that I would be notified right away.
|
| 07/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I scheduled my monthly payment online, the same way I always do. The day the payment was due, I received an email that said my payment was returned and a returned item fee may have been assessed. On XX/XX/XXXX, I received a letter from XXXX, stating that my payment had been returned due to NO ACCOUNT and a thirty-dollar fee had been assessed to my account.
I have called multiple phone numbers many times, trying to reach someone to resolve this false charge but nobody answers the phone. They keep you on hold indefinitely, until you give up. I have also tried emailing them through their website, and it says someone will be in touch with me but nobody ever contacts me. They also have an option for texting, and that produces zero results as well. I called their corporate phone number and a receptionist answered the phone, but she said all I can do is keep trying the customer service line.
I am filing this complaint, not because of the dollar amount, but because this is theft and this bank needs to be held accountable.
I have read many reviews on this bank and see a lot of the same complaints that I am experiencing.
XXXX : XX/XX/XXXX - scheduled regular payment online for XX/XX/XXXX.
XX/XX/XXXX - received email that payment was processed.
XX/XX/XXXX - ( payment due date ) Received email payment was returned unpaid.
XX/XX/XXXX - Received letter in mail stating that I was assessed a {$30.00} fee for not having an account.
|
| 05/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing.
Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date.
Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau.
Thank you for your assistance!
|
| 10/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This complaint is referring to the last two times my wife, XXXX XXXX, paid the XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX ( XXXX XXXX ) online bill pay service to XXXX XXXX XXXX which is operated by XXXX XXXX XXXX XXXX, XXXX. The due dates relevant to this case are XX/XX/2018 and XX/XX/2018. The balance on the statement due XX/XX/2018 was {$200.00}. The balance on the statement due XX/XX/2018 was {$320.00}. The statement balances were paid in full both times.
For the bill due XX/XX/2018, my wife requested a payment for {$200.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and the money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, five days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
For the bill due XX/XX/2018, my wife requested a payment for {$320.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, two days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Region bank in XXXX XXXX mo XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX or whoever his name a bald head brother and a sister and a XXXX lady was there the last two days the XXXX refused to reopen my political committee XXXX account today I been turned these papers in and both XXXX have lied to him and he have acted like stuff was literally funny today and it was I'm opposing slave government and mob government in a special charter I'm not given XXXX XXXX XXXX, XXXX university, XXXX XXXX are XXXX XXXX are XXXX university XXXX XXXX nor XXXX XXXX period nor XXXX XXXX or XXXX XXXX. I'm against these people about reparations now all of a sudden Missouri is a free city state. The guy and the XXXX have been lying today on phone they have been trying to capitalize off me in the state I'm against XXXX XXXX her and XXXX stole a vehicle that was in XXXX XXXX name that I got through XXXX XXXX XXXX auto on page police report filed In XXXX Missouri and I have not disrespected you in last complaint I downloaded no cuss word it. Although this banker had me hot a case is being filed on XXXX XXXX and XXXX. Just like someone keeps burning my name up on cases in different government crimes I didn't do and they keep betraying over corporate crime bank crimes and marketing company crime all under slavery. This bank know well he is a liar period I'm against XXXX XXXX XXXX I'm not protesting for no union about nothing they need be sued.
|
| 08/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
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On XX/XX/2023 at XXXX XXXX, I went to my local branch of Regions Bank to purchase {$1000.00} USD to the equivalent value in Chinese Yaun, or CNY. Upon requesting the purchase in the same language I just previously typed, the teller at the counter stated the funds would be there the following Monday the XXXX there would be a XXXX charge for doing so. I agreed to the fee. And she deducted the {$1000.00} from my checking account. Then stated the exchange rate would be {$6600.00}. I showed her on my phone that the current exchange rate at the exact time of purchase was XXXX. She said that's what their computer was saying. I stated it was incorrect, and that we could settle the difference when my money arrived. Upon receiving the Yaun requested thay handed me {$6600.00} CNY. I asked about the difference from the KNOWN Rate. And she said that's all I'm getting back. I tried talking to the Bank manager, I tried talking to corporate headquarters, thet referred me back to the branch. When asked if it made any sense to purchase the equivalent of XXXX USD to CNY, and not receive it??? They said I was screwed. Then when I asked to sell them back the same {$6600.00} on XX/XX/XXXX when the actual exchange rate at the time was {$7200.00}, she offered me {$650.00}?! So the Bank is willing to steal {$350.00} from me! For my original {$1000.00}??!! I have tried everything I know to do. So I'm asking for your help. Thank you. XXXX XXXX.
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| 12/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXX, I opened a Regions LifeGreen Checking account in-branch after receiving a {$400.00} offer in the mail. The offer required completing certain activities to receive the bonus, including XXXX debit card transactions and enrolling in online statements, which I did. According to Regions, they tried depositing the {$400.00} bonus on XX/XX/XXXX and the account was considered to be in a " soft-close '' status because it had a {$0.00} balance (? ) so the {$400.00} bonus payment wasn't completed, even though I have a recurring deposit every two weeks.
I called in about not receiving the offer and confirmed I had completed all other activities except for the account being at a {$0.00} balance at the time they tried depositing the payment, but at no time was I informed that to be considered " in good standing '' the account had to be positive at all times. Regions was unwilling to bend on this " condition '' of theirs which at no time had been relayed as part of the offer, nor had I received any notification about this new " condition '' throughout the 90-day offer period.
I am asking the CFPB to please step in and have Regions honor the marketing incentive, as it seems disingenuous that their internal " soft-close '' status is what rejected the new account offer, and it was never mentioned that that was a 100 % requirement to actually RECEIVE the bonus after having completed all other prerequisite activities.
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| 02/15/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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I opened account with Regions bank on XX/XX/XXXX.Today, XX/XX/XXXX, my wallet was stolen. I immediately called police and the Regions branch on XXXX XXXX XXXX XXXX, XXXX TN XXXX where I first opened my account at as it was the only quick Regions number I could find from the binder I was given when I opened the account.I never used my cards for once since I opened the account. I spoke to the branch manager named XXXX XXXX XXXX and requested that he should stop both my debit and access cards because someone just stole my wallet. He told me he did stop the cards and I should not worry and my money is still there. I asked him over and over to make sure whether or not I should call another number to stop the cards or if he could transfer me to the fraud department.He did not refer me or transfer me to the Regions bank fraud department.He told me that he has handled it and told me I should n't worry again.
An hour later while I was making the police report, XXXX XXXX called me and told me that he has let a lady and a man withdraw {$3400.00} out of my account and he told me it 's because they had my ID and everything so he gave the money.
This seems like he made a deal with the thieves.This is unprofessional and how can someone withdraw my hard earned money simply because they had my ID? I have the phone records.I called the police and the bank about the same time.An hour later he let the thieve get my hard earned money.
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| 11/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I am a Regions Bank customer ; I was regularly receiving emails about opening a personal line of credit. The emails said I was approved for the line of credit, it was only a matter of how much they would lend me. I applied for the line of credit one day, the representative told me in a couple of hours I was approved for {$10000.00} and what account would I like the money deposited to the next day. The next day came, nothing was happening. I called and nobody at Regions Bank had an answer. Finally, after a few days a supervisor of the personal loan department said the person I spoke to had made a mistake and that certain credit cards would need to be paid off with the money. I declined to do this. A few months went by, and I inquired again. I went over what happened before, submitted an application, went to the bank branch to sign the paperwork. This time I was denied credit saying I had too much debt to get a personal line of credit. I called the branch manager to say the ad looks like it is a matter of how much money they will loan as I am Pre-Approved. She never got back to me. Now my credit score is lower because of two credit inquiries and I have no money to restructure my debt. The emails are deceptive from Regions Bank is the basis of my complaint. They say you are pre-approved when you are not really. An XXXX does not absolve Regions Bank of the deception in the tone of the email advertisement. It is fraud.
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| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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In XX/XX/2020, addressed to me at my home address, I received a promotional mailing from Regions bank offering up to {$500.00} for opening a checking account with them and following a specific set of requirements. The promotional offer contained a a " personal code '' of XXXX. I performed the requirements on the promotional mailing and should have earned {$450.00} of the promotional offer.
I took the following actions to earn the advertised promotional offer : -Apx XX/XX/2020 I opened a new checking account online and immediately enrolled in online statements.
-I made a mobile deposit of {$1500.00} on XX/XX/2020.
-I downloaded and logged into the Regions Mobile application -I waited more than 90 days to receive my bonus I have had communications with the Regions bank and they told me they were able to confirm that I performed all of the requirements ( with the exception of one requirement they were unable to confirm or deny that it was completed due to their system problems ). I was told that my case would be communicated to the Regions marketing department for review. I can attest that I have successfully completed the tasks required to earn {$450.00}. By now, I should have seen the credit applied to the account. I believe the bank is trying to avoid paying this promotional bonus to me and sent the promotional offer in bad faith. I have a copy of the promotional mailing they sent to me available for reference.
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| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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Web |
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I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted on my credit report!
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| 05/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We have had a Superfleet/Fleetcor fuel card account for years and have been paying an additional " Fraud Protector '' fee every month. Beginning with our XX/XX/2020 invoice, we noticed suspicious transactions on the invoices. We were not alerted to these, even though they were for large amounts, out of state, had fake odometer readings, and/or were multiple purchases in a row at the same location. Part of our " Fraud Protector '' fee is to be alerted immediately for any suspicious activity. We had to wait until we received the invoices and reviewed them to find the transactions ourselves. The transactions are blatantly and obviously fraudulent. We immediately shut off the cards involved, PINs, and spoke with the employee. Our employee stated that he received a text from who he thought was a supervisor with the company for his PIN. The employee sent it to him, not realizing it was a scam. We pulled all of the fraudulent transactions, totaled them, and began the dispute process. The fraudulent transactions totaled {$33000.00}. ALL of the disputes were denied, as Fleetcor said that " they could not prove a pattern of suspicious activity '' or that our employee shared his PIN number, etc. Fleetcor is demanding that we pay the {$33000.00}. The " Fraud Protector '' program is a complete scam for them to make more money through fees, since they won't actually reverse or handle any ACTUAL fraud that hits the account.
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| 09/29/2017 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Advertising
- Confusing or misleading advertising about the card
|
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Web |
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I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.
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| 01/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I made a principle-only payment on/around XX/XX/XXXX via the Regions XXXX website and indicated that the entire {$2700.00} of my payment was " Additional Principal. ( There is a space to enter the 'Additional Payment ' amount on the payment screen - I entered {$2700.00} and left all other fields blank ).
On/around XX/XX/XXXX Regions Bank reversed this principle-only payment as a 'misapplication reversal ' and applied it to my account as my XX/XX/XXXX payment- this was done without my consent. I am enrolled in Regions automatic payment program, so when my XX/XX/XXXX ACH payment debited it was applied as my XX/XX/XXXX payment.
In speaking with a call center agent ( XXXX? ) on XX/XX/XXXX, I learned that although Regions Bank was given clear instructions about how to apply my XX/XX/XXXX online payment, they apparently have an existing company process that looks at principle-only payments made towards the end of each month and automatically reserve those and apply them in a manner not directed by the customer.
While I recognize the possible likelihood that this step is being taken by Regions Bank with positive intent to proactively correcting a customer potential payment entry error, they are taking this reversal action without the consent or timely notification of the customer. I ask that Regions Bank cease this practice immediately and that all future payments be applied as directed by the customer.
|
| 05/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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I contacted SuperFleet card in regards to our account with XXXX XXXX XXXX XXXX. We were charged a ridiculous amount in late fees on our account. The amount of the late fee was {$620.00} for one month. We mailed our payment in on time to the vendor but the mail took over two weeks to arrive and be processed by the facility. I asked for the amount to be credited since we are not responsible for slow mail service. The check was clearly postmarked and mailed before the due date. They hide this fee in a ridiculous location hoping the consumer wont see it. I pulled out other bills and saw where they charged me a late fee before. Just in this year alone the fees are {$1500.00}, with the {$620.00} included for three bills where the post office delivered and they processed the payment late. I tried to have them credit our account the full amount of the {$620.00} and they refused saying they would only credit half. This is beyond ridiculous. It is something out of our control and we should not be penalized for it. We spend $ 30,000+ per year with them on their gas card. We should not be charged a late fee when we sent our payment in on time. I would like them to credit our account and fix the issue. Because the fee was hidden deep inside the bill I don't think I would have continued to notice the fees if it had not been for the large jump in our bill so I was trying to see why there was such a large difference.
|
| 10/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
Older American |
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In XXXX I when shopping for a Home Equity Line Of Credit ( HELOC ) so that I can pay off bills and make home improvements. On XX/XX/2018 I went to Regions Bank mainly to ask questions and gather information to see if this is where I wanted to apply for the HELOC. They were very helpful and answered all my questions. I shared with them my credit score, my personal finance and some of the negatives that I had on my credit history. I was trying to get from them, if I should or shouldn't apply based on the information I was providing. I knew that applying would result in a HARD INQUIRY on my credit which would affect my credit score. I didn't want to apply if the information I was sharing didn't prequalify me to move forward. But from the positive response I received I didn't see a reason not to apply. I was informed that the underwriters makes all the decisions on the applications.
After weighing everything I returned To Regions Bank on XX/XX/2018 and applied for a HELOC. By the end of the day on Wednesday, XX/XX/2018 my credit application was denied. Now I have NO HELOC and left with a HARD INQUIRY on my credit. I have a checking account with Regions because I like them. So I'm not trying to hurt them. I need your help in getting their HARD INQUIRY off my credit report IMMEDIATELY so I can continue to search for the financial product that I need to do what I need to do for my home and personal finance.
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| 12/19/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
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I AM XXXX XXXX XXXX, AND MISLEAD. I HAVE A BILL OF EXCHANGE THAT I WAS TRYING TO SUBMIT FOR LEGAL TENDER AND THE MANGER WELL HE CLAIMS TO BE THE " HEAD MANGER '' OF REGIONS BANK AT BRANCH LOCATION IN XXXX, XXXX. HE SAID HE WILL CALL THE POLICE ON ME, HE MAKE XXXX TO XXXX A YEAR AND I HAVE NO RIGHT TO USE LEGAL TENDER. ALSO STATED THAT HE WILL CALL OTHER BRANCHES AND HAVE THEM PUT ME ON LIST NOT TO OPEN AN ACCOUNT UP WITH THEM. HE IS GOING AGAINST MY RIGHTS A XXXX GIVEN PERSON AND CONSUMER LAWS. WHEN XXXX WAS PASSED WE THE PEOPLE BECAME COLLATERAL TO USA DEBT THE REMEDY FOR XXXX THAT WAS ALL DEBTS ARE PAID BY THE USA, AND LEGAL TENDER IS NOT IN CIRCULATION BECAUSE ITS NO GOLD BACKING THE DOLLAR ITS JUST PAPER. THE MANGER CUSSED, YELLED AND SCREAMED AT ME FOR NO REASON ON TOP OF HIM NOT EVEN MEETING ME NOR SEEN MY BILL OF EXCHANGE. HE SNAPPED ON MY OVER THE PHONE AND REFUSED SERVICES CAUSE XXXXM TRYING TO GET A CAR USING LEGAL TENDER. AS I STATED ON THE PHONE IF I MAY BE MISLEAD PLEASE CORRECT ME BUT HE DID NOT EVEN WANT TO MEET WITH ME TO SEE WHAT IS IT THAT I HAVE. I DO EVERYTHING IN GOOD FAITH AND STANDING. IM JUSTA PERSON WHO IS LEARNING AND SEEKING HELP. HE ALSO WAS HANGING UP ON ME BACK TO BACK AND I HAD TO CALL BACK JUST TO GET HUNG UP ON. I HAVE WITNESSES THAT WILL TESTIFY IF HAVE TO THAT THE MANGER OF THIS BANK WAS VERY DISGUSTING WITH ME FOR NO REASON ALL BECAUSE IM TRYING TO DO LEGAL TENDER.
|
| 09/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
I am a XXXX XXXX for a small Subchapter S corporation. We have three accounts with Regions Bank. There have been an attempt to defraud the account which the Bank successfully blocked, however since the last 4 days beginning from XX/XX/2022 and running, my and the company 's CEO 's access has been blocked on line. I can not get any information through the Bank 's call center as to what I need to do to fix this situation. I have made three trips to my local branch attempting to restore my access to the money. I was told by the Branch Manager, XXXX XXXX, at my local branch of Regions Bank located at XXXX XXXX XXXX XXXX XXXX that the access has been restored to all accounts and provided with the reset information, all to no avail. My access was blocked. My ability to meet company payroll obligations are in peril because of my inability to access the accounts. I tried to do a transfer from the company 's main account to the payroll designated account, yet despite assurances that all is restored, I was blocked from doing interaccount transfer which will result in overdraft fee due to schedule federal quarterly employment tax obligations, as well is the state, not mentioning other company bills and obligations. All my pleas with the Regions are met with indifference and lack of ergency. The Bank Fraud Department refuse to provide any information in writing or orally, and keeps sending me to my local branch.
|
| 03/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
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I am a XXXX XXXX XXXX lady who is on XXXX and the victim of ID theft to boot. Regions bank is robbing me blind. Instead of charging me a one time overdraft fee and covering my item then holding their money out on the XXXX, they're playing games with me and what little money I have. I get XXXX a month and XXXX XXXX is taking 10 % of that back saying they overplayed me, that leaves XXXX a month. My rent was XXXX and my full coverage insurance is XXXX so that only left me XXXX dollars a month to eat and live on. Because of the ID theft I did away with the debut cards and resirted back to checks, except that's worse. Now they charge me the XXXX dollar fee, and send the check back, 3 times. In the end I'm paying XXXX in overdraft fees and plus XXXX ir XXXX wherever I have to pick up the check at plus the price of the check. Ow I owe over XXXX in insurance in XXXX and the bank has XXXX XXXX XXXX in the minus, add my phone bill of XXXX and I'm screwed.. I'm already living in my car because of the way they are playing with my money.. I'm drowning here with no one to help me. How is this even close to fair? I have now threw away my checks also and only go to the bank which makes it very inconvenient because I should be able to access my money 7 days a week just like everyone else. I'm extremely stressed about this. Which is a no no because I have a brain XXXX and could have a brain bleed and due any second
|
| 03/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This has been an ongoing issue with Regions Bank and Regions Mortgage. On several occasions I've been to the local branch in XXXX XXXX and tried to resolve the payment issue. I'm given the option to use Regions bank website or their app to make my monthly mortgage payments. Ive attempted this several times where the website doesn't register my scheduled payment, wherein my payment becomes late. On XXXX separate occasions in the last XXXX months I've submitted auto draft paperwork where they are able to access my account to be paid. My payments are still not being paid. Ive had the Regions branch XXXX access my account to resolve the issue and reimburse the late fees, and to date, only XXXX have been reimbursed. XX/XX/2023, the auto draft did not work so I manually submitted payment again online, and Regions mortgage was unable to process the payment because they attempted withdrawal on an account that I had closed XXXX years ago. Regions Mortgage states that the closed account is the only account directly associated with my mortgage. I attempted contact today with Regions mortgage, part of the issue might have been resolved, before speaking with a supervisor named XXXX XXXX refused to give any further assistance and stated that this is an issue between my bank and myself. Ive been to the bank monthly to resolve this issue and no assistance is forthcoming and fees and payments are now past due.
|
| 12/26/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
We recieved a statement from a credit card company on XX/XX/2023 that had a {$680.00} LATE FEE on it. Was informed from someone overseas that the payment was recieved 3 days prior to the due date. Therefore no late fee should of been applied to the account. They informed me, after getting disconnect twice that we needed to pay this and they would credit our account next month. Each time I called back I requested to speak to a manager, finally did speak to him, which he informed me we would need to pay the total amount on the statement, once again this person was overseas. I told him I wanted a new statement without the LATE FEE on it. After he stated that again, I requested to speak to someone here in the United States, which he did transfer me to a lady who said she was in the United States, after explaining once again what happen, she informed me I would have to speak to someone else about this. Therefore she would transfer me. She transfered me to an automated system. I pressed the number for customer service, which took me to a payment line for a CREDIT card. There was no way to get back to the main menu. After hanging up, I called the service number on the statement was returned to the overseas service center. The guy that answered the phone said he couldn't transfer me back to the United States. After 1 1/2 Hours on the phone I'm very upset with this company and have gotten no where!!
|
| 01/25/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Regions bank held my check I Mobile deposit for 10 days the. After the 10 days they claim they needed more time and couldnt verified the check I verified the check from the lawyers office in minutes. I called them on the phone to file a complaint and to release my funds after about 3 weeks they did with a letter that I still have 1. I had checks and payments out buy the time they unfreeze my account I had over drafts and mind i regions falsely advertised that they give a {$100.00} overdraft cushion 2. I went in the bank with all my documents and they saw the check was good and I explain to the bank manager that because they freeze my account payments went through and no money was present to this day I have not gotten my over {$200.00} in overdraft fees replace 3. Because they overdraft my account when I gave them a verified check and all documents 4. The bank claim because I used their mobile deposit thats why my check was flagged thats crazy regions bank made the app for mobile deposits not the consumer. So we are getting punished for an app regions bank made 5. I have never had any issues of fraud or anything to my account so this is kinda strange that all of a sudden every check I put in there has a 10 day hold and so forth 6. Now its been over a month and my fees have not been replace. They took their fees causing my account to over draft when they knew good and well the check was good
|
| 04/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
Please see uploaded documents.
Regions Bank in XXXX, AL ( XXXX XXXX ) Mislead my brother and me into a bogus mortgage loan. We were told my brother could not get a regular mortgage because he owed the IRS, which he was currently, paying on schedule. Instead of giving my brother a real mortgage loan he setup what I have now been told a balloon loan that was due in 5 years. XXXX could have used the house that my brother had got through XXXX and XXXX auction as the collateral. The house was worth three times the amount that my brother was trying to borrow. There was no reason for my CD to be use for the collateral. As a result of how XXXX setup up this loan and never told either of us that the loan would be due in 5 years, something that I would have never agreed to had that been mention at the time, Regions cashed in my CD and took the money. Now, I am out of over XXXX+ because of Regions, unethical and discriminatory loan practices, plus Regions made a ton of money in interest on this bogus balloon loan. Three other local banks that explained to me what Regions did said my brother could have received a regular mortgage loan and would have never had to use my CD. The money that my brother was trying to borrow and what was owed to the IRS was less than XXXX still way under what the house was valued at. Plus my brother owned land and that was never mentioned. XXXX 's primary focus was my CD.
|
| 08/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I closed on a new home purchase in XX/XX/2022. The mortgage was through XXXX XXXX ( the mortgage lending arm of XXXX XXXX ). The closing occurred successfully however my mortgage was subsequently transferred to Regions Bank.
Regions Bank debited my checking account for my first month 's mortgage payment due XX/XX/2022. I then assumed auto-pay was successfully set up.
In XXXX Regions called my on my cell phone and indicated my mortgage payments were delinquent two months. As it turns out, Regions Bank did not correctly set-up my auto pay -- nor however did they contact me for 2 months. I received no emails, no texts and no voicemails indicating there was a problem with my payment. I then received a notice from Regions Bank that they told a credit bureau about a late payment.
The payment issue was solely due to Regions Bank. I had full funds available for the expected debit of my account. Further, Regions Bank failed to contact me immediately after the payment date. I was not notified until over 2 months after the payment was due! I have never missed a mortgage payment in over 19 years of payments and always had good communication with my mortgage lender ( XXXX XXXX XXXX ) prior to this experience with Regions Bank. I find their conduct in mortgage servicing to be completely unacceptable. Why wait for 2 months before even attempting to contact me? Why not send a letter, text or email?
|
| 07/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/XXXX I noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.
|
| 10/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I received a welcome call about two weeks ago from Regions Finance about a loan recently opened, this alerted me to my identity being stolen. I went through XXXX to confirm my DL was found on a dark web search. I learn from Regions that they mail whats called a live check which is the same thing as opening a loan. This alleged check was then cashed in the amount of about ~ {$1800.00}. Regions said the account was opened using my DL number and a signature. Regions also read the signature to me on the phone and it clearly was not my signature. So I asked them to freeze and cancel or do what they can because I do not have any business with them, I have all my regular accounts through XXXX, car loan through XXXX XXXX, and a small personal loan through upstart. Regions refused any action, kept threatening my credit score, and wont take any action unless directed to by law enforcement. They continue to call, wanting me to fill out an involved packet that requires police report, notarized documents and affidavits, absolving them of responsibility. To recap, Regions Finance used my information to mail an unrequested/unwanted check and then used a stolen drivers license number and a forged signature to cash it. Its worth noting that this happened whilst my credit profile is on lockdown. XXXX. There should be no offers even generated. This is gross negligence on the part of Regions Finance.
|
| 09/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
Regions Bank has no mechanism for the customer to make additional principal HELOC payments online. However, in XXXX when the HELOC was initiated, they told us that any payments made in addition to the monthly interest payments by bank draft would be automatically applied to interest. When I learned that this is not accurate information, I began working to get the misapplied payments ( intended to be applied to principal but were applied to interest ) corrected. The bank eventually corrected XXXX misapplied payments but would not correct those in XXXX, stating that the " books are closed for the year, '' even though I have documented proof that I had requested those corrections in XXXX. As of this date, Regions Bank has pocketed over {$1300.00} in interest of misapplied payments from us that should have been applied to principal. Why should we be paying additional interest to the bank when all interest payments have been made as scheduled through automatic draft? And how is it possible that a large financial institution such as Regions Bank can refuse to correct misapplied payments that were made in good faith based on incorrect information given by its staff to loyal customers with an excellent credit rating and payment history? We intended to pay off this loan and close the account months ago but continue to pay a small amount of interest each month as we await a fair resolution.
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| 01/26/2018 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Late or other fees
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Web |
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Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.
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| 07/12/2015 |
Yes |
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- Credit decision / Underwriting
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Web |
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I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.
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| 11/28/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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I was solicited by a solar company to help save money on my electric bill. The young man that came was referred by my nephew who was just starting to work with the company. He went over the number of panels he said I would need and what it would cost me monthly. He said until my solar was connected to XXXX I would not have to make a payment because they had to work with XXXX to make the connection. He also stated that I would not be charged any interest until the panels were connected. I asked twice if he was sure because if the payment changed by any amount, it would not make sense for me to do it because any adjustments to the payment would put me in a hardship since I am on a fixed income. He assured me it would not and had me esign documents and told me I would be receiving {$10000.00} in tax credits once I filed my taxes. He also said that once I received the money to forward the money to them. Well, I filed my taxes and did not receive a {$10000.00} tax credit refund. When the bank who was handling the loan contacted me, I was told my payment would start in XXXX but then I got the shock of my life when the payment was higher. I filed a complaint an all I got was a copy of the note with language I had not seen before and something about the payment being adjusted. I should have known better but I believed what I was told. He also said there would be no lien on my property.
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| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Regions Bank is refusing to refund fraudulent debit card charge. On XX/XX/XXXX my debit card ( along with several other credit cards ) were stolen. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$300.00}. I reported the card stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank. I reported it stolen that night over their XXXX number ( and to the local police department ) and then I went into a local branch and was told they couldn't do anything until the transaction was actually posted. Only THEN could a dispute be filed.
On XX/XX/XXXX they sent a letter to me telling me no credit to my account would be made for this fraudulent transaction. The stated reason was " Transaction verified with your card credentials. Transaction passed fraud analysis ''.
So as a matter of routine and apparent policy they do not limit user 's liabilities to {$50.00}, which is the law according to the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know, but every source I've seen says I'm right.
It took me several days to get a live person to speak with at Regions ( knowing the local branch wouldn't be of any help, it's out of their hands according to the person I spoke with ). When I did finally speak with someone they told me nothing could be done.
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| 05/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I am currently in the loan application process with Regions Bank in XXXX XXXX, MO. It's become clear to me at this point I will not be approved for the loan. The amount requested is {$19000.00}, which is basically my monthly gross times 3 ( months ). I attached my most recent pay stub along with my investment account balances as proof of cash. Please note, though these are retirement accounts, in the event of an emergency, I wanted to withdraw funds or the loan is called, i can start receiving periodic payments per internal revenue code 72 ( t ) ( 2 ) ( A ) ( iv ) without incurring penalty ( so, i have access to these funds if want/needed ). My wife and I are basically looking to consolidate our credit card debt to one lower monthly payment.
I've attempted to explain that the loan would basically transfer what is already being paid to a monthly loan payment with Regions. I believe I am being denied, though I don't agree with the method/calculation used, because of my debt to income ratio. I have been a member of regions for close to seven years. In my [ bias ] opinion, I feel there is no doubt about my ability to repay this loan over the note period due to steady income stream from current employer as well as rental income. Worth mentioning I also received a % 4 raise after starting the loan process and am due for another raise and promotion later in the year ( XX/XX/2019 ).
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| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX.
For my line of credit with Regions Bank, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used Regions own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, Regions reported me as late even though the reason is Covid, and my credit score dropped significantly. Regions tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, Regions does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. Regions ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from Regions to be corrected.
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| 03/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a Regions credit card and was charged a few small charges. I had auto-pay set up to pay off that credit card from an Regions account.
The credit card charges never got correctly paid and each time the autopay tried to pay the credit card bill, it was kicked back. I never realized that my small credit card bill was not getting paid off correctly like it always had been in the past. Regions never notified me- never called, emailed or told me in person this was happening. I made proper efforts to auto-pay my credit card from my Regions checking account and it was not applied correctly.
Regions then proceeded to place a derogatory claim against my credit and severely lowered my once great credit score. My credit score was once XXXX and is now XXXX because of this error. A payment of {$60.00} that should have been paid via the autopay I had set up from my Regions account which has always had sufficient funds in it has now ruined my otherwise great credit. I pay off in between $ 20,000- {$40000.00} worth of credit cards every single month with zero late payments on my other credit cards.
I went into Regions to try to resolve this issue and they blamed it all on me and were not willing to help in the resolution of this issue.
I've attached documents showing several of my statements to clearly show my ability to pay and the willingness and attempts to pay via autopay.
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| 06/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/XXXX, I notified XXXX XXXX XXXX that an account had been opened in my company name without authorization, that I was disputing all charges, and the account should be closed. XXXX XXXX ( an account manager with XXXX ) reached out to me. During our conversation he told me that he would issue {$950.00} in credits to my account but I would need to send him written authorization to reactivate my account for him to apply the credits to my account. He said the credit would be applied within 7-10 days. After waiting 10 days, the credit was not issued to the account. On XXXX XXXX, XXXX, XXXX XXXX replied stating that he was out sick and the email was not sufficient for the fraud team so I would need to send another written authorization. Another written authorization was sent on XX/XX/XXXX. A number of emails and phone calls were made to XXXX XXXX. He continued to promise us that the credit would be applied in a few days. We complied with his requests for written authorization based on the promise to issue these credits. The full amount of credits were never applied to the account as promised. On XX/XX/XXXX, XXXX XXXX stated that our account would not be reinstated. We immediately replied to send us a check for the balance on the account and on XX/XX/XXXX, XXXX XXXX stated that they would not issue a check for the credit balance on our account. We are still owed {$160.00}.
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| 03/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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I contacted this bank on behalf of my mother with her consent on XX/XX/2021 @ XXXX this was the conversation My is a my mother is customer of Regions Bank. We contacted you XX/XX/2021 @ XXXX when I discovered what I believe is scam. In less than 2 days she has depleted all retirement/checking account income and with no one questioning her about the transaction which would be abnormal for her account activity. {$9000.00} - XXXX gone withdrawn less than 48 hrs. Allegedly calling from XXXX XXXX saying they are supervisor of the DEA a federal agent would arrest her take everything she owned. Threats made about her kids if she said anything her kids being taken to jail if she give didn't them money.
I'm so confused. We called the bank trying to explain but the women wasn't helpful. I've contacted the police left emails calls more calls contacted the stores where the crime took place. Contacted an Attorney. Less than 48 hours these criminals continue to contacted and harassed my mother after taken everything. Wow. Thanks Regions, purchased 19 gifts cards each worth {$500.00} at XXXX 's. I tried the the same action today XX/XX/2021 and needed ID and to sign the gift card book to complete the purchase ( store policy ). I guess only on XX/XX/2021 and XX/XX/2021 you don't need ID. It takes a village to protect the criminals. They neither place offered no support nor compassion.
|
| 10/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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opened an account with an expired ID online used account for XXXX XXXX and entered the bank on XXXX with the expired ID withdrew money from my account with no issues entered bank on XXXX to withdraw my rental payment again with the same expired ID and the would not do withdraw so I left they then locked my account without my knowledge I went into my local branch to get the account unlocked the assistant there at the branch put in all my info to their security department and said my money will be accessible on monday the XXXX I left the bank and while driving back to work that same assistant withdrew {$820.00} from my account without my permission and put it in a cashiers check and when I looked at my account online and saw the money was taken out of my account I called her and she said she did it so I could at least pay my rent ARE YOU KIDDING ME RIGHT NOW THEN I WENT IN ON MONDAY TO SPEAK TO BRANCH MANAGER AND HE DID THE SAME THING PUT IN ALL MY INFORMATION TO THE SECURITY DEPARTMENT AND STILL REFUSED TO GIVE ME MY MONEY THE ARE NOW CLOSING MY ACCOUNT ON XX/XX/XXXX AND MAILING MY MONEY I WILL BE HOMELESS BY THEN AND MY KIDS WILL BE TAKEN FROM ME BECAUSE I CANT FEED THEM AND I WILL LOOSE MY JOB FOR XXXX TRANSPORTAION THEN I LOOK ON MY ACCOUNT ON TODAY AND CHARGES ARE MADE TO MY ACCOUNT ON DAYS THAT MY ACCOUNT WAS LOCKED WHO IS USING MY MONEY HELLLLLLOOOOOO HELLLLLPPPPP
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| 05/04/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I applied for mortgage XX/XX/XXXX and was pre approved, I begin the process submitting all requested documents I was led to believe everything was good and I would be closing soon. I was told near closing the first time my loan officer quit and I would have resubmit all documents and I did. I started with a new loan officer who stated I needed XXXX down payment on a XXXX in which I agreed to though I knew it didnt sound right for an fha loan. I paid for inspection and appraisal and was told I was approved under conditions. I met the conditions and then I was told I needed XXXX to close. My parents wired the money and it was there in my account the next day. I was then told I had high dti and I should find lower insurance which I did.I also was advised to pay off any debt I could do I payed off my credit card and sent in all supported documents. I waited for a couple of days with no communication. I received a call from my realtor to terminate contract because I was denied due to high dti. I was confused because no one had told me anything. This was a three month process which I am hurt because I fought for that house and no one had the decency to handle my application properly. I lost the home I loved. There are so many things that were not handled properly and should be addressed to keep regions from doing this to anyone else. I feel completely discriminated against.
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| 02/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I and my spouse are presently the victims of aggravated identity theft, aggravated cyber, physical stalking initially by XXXX XXXX XXXX/XXXX XXXX. Now we suffer from aggravated cyber/physical stalking by these people and also XXXX XXXX XXXX of XXXX Tennessee whom took my job ( # XXXX ) after I became permanent. Never reported wrongful termination. Used spouse ( XXXX XXXX ) identification at XXXX XXXX XXXX store suppressing the taking of my job on XX/XX/XXXX. We were literally ran out of XXXX by these dangerous criminals!!! Our unemployment insurance accounts were fraudulently cut off as XXXX /XXXX XXXX used a duplicate XXXX checking card ( XXXX ) to forward over {$8000.00} of our unemployment payments to themselves. Regions Bank of XXXX Ga. on XX/XX/XXXX forced us to use an old account opened in XXXX in XXXX Tenn.? We entered that bank seeking to set back up our unemployment accounts ( direct deposit ). We asked the branch manager why we couldn't open up a new account instead of one we didn't have the vital information to. They ignored us.
In short, Regions Bank account # XXXX belongs to XXXX XXXX and XXXX XXXX XXXX of XXXX Tennessee whom are practicing bank fraud, aggravated identity theft and aggravated cyber, physical stalking. Regions Bank allowed these criminals access but blocked us. We want this account closed and any compensation due us by Regions Bank!!!
|
| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American, Servicemember |
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On XXXX XXXX, 2017, I went on Regions.com online banking website to make a payment on my Regions XXXX Card. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XX/XX/XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
|
| 04/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have contacted Regions Bank, XXXX , XXXX XXXX XXXX about fraudulent information contained in my consumer file with XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN : XXXX Account Number : XXXX Routing Number : XXXX Date Reported XXXX / XXXX / XXXX Reported for NSF Closure Status : Unpaid Closure Status Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Reported Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Reported SSN : XXXX Drivers License : ( Blank ) RTN : XXXX Account : XXXX Reported for NSF XXXX Amount : {$130.00} Paid in full settled I have properly notified all XXXX of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
|
| 11/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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XXXX XXXX does not allow you to remove automatic payments but forces you to use autopay when you start a policy.
I deliberate left low funds in account on scheduled date as I did not intend to continue policy and preferred to pay an NSF fee than let another premium clear the account as I had already held for their customer service on the phone over an hour and still had not reached an agent. I have always rejected overdraft protection. I instead opened a LOC account to to transfer funds from if needed.Regions in spite of my opting out of overdraft protection paid the charge sending my account in the negative. I had to move my direct deposits to other accounts costing me extra money buy money orders instead of being able to use my checking account, and now that account is not even accessible to me online to find out what other fees they have charged or see the account history. Im unable to deposit money in the account in order to transfer to the LOC to pay it off as any funds would be allocated to the insufficient balance first. THIS is causing negative marks on my credit report.
I never gave permission for that charge to be paid. I live paycheck to pay and can not afford to lose {$180.00} to pay for something I didnt authorize them to do.
I can not even provide you a statement showing the charges as everything for the account was digital, save my checkbook.
|
| 06/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I opened a Mortgage account with Regions bank in XXXX of XXXX. In the next year I went through a divorce and the mortgage was signed over to me. My ex-husband was court ordered to pay off second mortgage and take his name off of the mortgage. He did neither one. XXXX years later, I have had to open a new loan to pay off my second mortgage and Regions has never allowed me to refinance my mortgage to remove my ex-husband 's name. I have tried numberous times since XX/XX/XXXX to get this accomplished. I have sent in copies of my divorce decree, copies of my deed where he was removed from it, my marriage certificate from XX/XX/XXXX to change my name ( which is still not been done ). I am now trying to get an insurance check endorsed by Regions bank so I may repair water damage. They REFUSE to endorse my check. It's been XXXX weeks since I was in the branch and just now getting to me to tell me. I have sent in numerous documents to them ( again ) and they have kept my check and will not endorse it. I have dealth with these rude, irresponsible people who lack in communication to their customers for extra money and they are unbearable to work with. Like I said, I have been going through this mess since XX/XX/XXXX ... XXXX years LATER I'm still doing the same things I was doing then because nothing was changed all of the previous times I've done all of this paperwork.
|
| 08/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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XX/XX/XXXX : I was notified by my credit monitoring that Regionsbank had pulled a hard credit inquiry using my name and social security. I have NO relation with XXXX and have NOT applied fir credit.
XX/XX/XXXX : I called Regionsbank. I was told that no charges had been made and that they would close the fraudulent account immediately. I was told to complete their Uniform Affidavit for Identity Theft and email to XXXX, which I did the same day.
XX/XX/XXXX : I received a credit report update showing that Regionsbank had nonetheless opened a credit card account using my personal information. The account was still active with a balance of {$12000.00}. I immediately called Regionsbank again. I was told that they did receive my affidavit on XX/XX/XXXX and that they were investigating.
XX/XX/XXXX : I filed a Identity Theft Report with the FTC, report # XXXX XX/XX/XXXX : I sent a follow up letter by certified mail to Regionsbank requesting written confirmation that I am not responsible for these fraudulent charges.
XX/XX/XXXX : Regionsbank received the letter per the return receipt.
To this date XX/XX/XXXX, I have received NO response whatsoever from Regionsbank. After I submitted a copy of the FTC report to the credit bureaus, they did remove this fraudulent account from my reports. However, they are still showing the hard credit pull by Regionsbank.
.
|
| 01/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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So I recently rejoined Regions Bank on XX/XX/XXXX. I opened a checking account in the savings account. The issue that I'm encountering with Regents is with their online platform. It will not allow me to use XXXX XXXX XXXX It will not allow me to use XXXX XXXX and it will not allow me to use check deposit services. I'm receiving an error message when I do it online with their online website. I received an error message saying we're unable to complete your request at this time. highlighted in red. And then, when I do it on my mobile app for regions, it gives me the same error message but with the error code XXXX. I have tried calling the regions online. Electronic banking team, no one seems to be able to help me. One agent stated to me that my online credentials may need to be purged. But the call got disconnected, and I'm trying to call back again to get an agent that understands what I'm talking about. No one seems to understand what I'm talking about. But they work in the electronic mobile banking department, which is absurd. I don't understand how you work in that department, and don't know anything about online. So at this point, I'm really frustrated, and I would really like for someone who knows how to deal with the online servers for regions to assist me in regaining access to the bill-pay services. The XXXX XXXX also the mobile check deposit service.
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I deposited a check to my account at the XXXX XXXX of Regions Bank. The check was for {$250000.00} drawn on XXXX XXXX XXXX XXXX for a divorce settlement. I received at the branch a signed Notice of Availability that {$5300.00} would be available on XX/XX/XXXX, and the remainder available XX/XX/XXXX. I also received email copies of this signed document.
The morning of the XXXX I received another email stating none would be available until XX/XX/XXXX. I contacted their customer service online chat and was told my signed notice was a legal document and I needed to return to my branch. I have Parkinsons so this isnt easy, but I got a ride back to the bank the morning of the XXXX.
I saw the same teller, who said the back office changed it but she didnt know why. She spoke to the XXXX and took my phone and said Id receive a call by close of business. I received no call.
I have phoned Regions asking for someone to talk to, and have been told there is no one, I must return to my branch. I phoned the branch again this morning XX/XX/XXXX and was told there was no XXXX there Friday, and that I shouldnt have been told I would get a call. There is no one available to speak to about this but again she took my number.
I want to know why I was given a signed document that {$5300.00} would be available 24 hrs after deposit and its still not available.
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
This email has been forwarded to you after we received a decline letter from Regions. We asked our local branch to send this email up the chain within Regions. Its been two weeks or longer and I can not pay my part of our Bills.
Notice the Duration of 1st call and the date in attachment 1 Attachment 2 - Screenshot of the dash on my car and the number that called me.
Attachment 3- What showed up on my phone and why I answered it and thought it was legit Attachment 4- Notice date and the two charges that I absolutely did not make!
Attachment 5- Notice at the top it's the same time during this call the Regions Rep prompted me to open this attachment. Telling me to press yes, I told them three times I did not feel comfortable doing this. She assured me this was the only way to get the pending funds back into my account. So I did. Then told her it was against my better judgment though.
I'm a hard-working woman holding down two jobs to make ends meet. We expect our Bank to have good enough security to keep hackers from getting so much of my banking information that they covered in the first 2 minutes to convince me it was Regions. I mean recent charges, everything. In the past year my husband has had to change his debit card twice and myself three times because our cards became compromised.
I need my funds put back in my checking account. Please help.
|
| 07/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
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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.
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| 07/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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Between XXXX & XX/XX/2022 someone hacked my bank account and used XXXX stealing XXXX dollars. Theye added them selves with a name of XXXX XXXX and it had an email address XXXX actually showing it going to a XXXX XXXX. None of these transactions were authorized by me I went to the bank and I disputed them and got a denial letter I already change my password and everything. According to the CF. Website As discussed in Electronic Fund Transfers Error Resolution : Unauthorized EFT Question 1, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. This includes P2P payments.
I attempted to contact the email address but no luck. I filed with the bank and they basically accused me of giving out my login information even though The branch XXXX and myself made it very clear that I didnt share with anybody. In fact I was asleep when this happened. I want my money back as that is my kids school supply and clothes money.
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| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I reported to Enerbank USA by postal mail, letter dated XX/XX/2022, by USPS Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, USPS Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from Enerbank USA, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with EnerBank USA nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but Enerbank USA is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
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| 06/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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On XX/XX/XXXX, I went to a Regions Bank location and requested that my joint account be closed with my son. I am currently the legal guardian of my son and presented paperwork that shows I have legal authority to handle his legal and financial matters. The bank confirmed the account was at XXXX balance and that the account was closed. They took the debit card associated with the account and cut it up. Two days after closing the account, a recurring charge was presented to the account and created a negative balance. I chatted with Regions Bank and informed them that the account had been closed and that any charges presented to the account should have been declined. They informed me that despite the account being closed, when a charge is presented, the account will reopen and go through. I specifically asked them what the point is then of closing an account if future charges can go through and reopen the account. They told me they could not assist me in reclosing the account until it was back at {$0.00}. I made a XXXX payment to the account and brought it {$0.00}. They provided me a confirmation number that the account would be closed. The next day, I had an alert that there was a {$36.00} overdraft fee for the account being negative, despite my closing the account at a XXXX balance. Regions Bank stated they are not able to reverse the overdraft fee.
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| 03/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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We secured a XXXX loan through Regions bank. Upon notification from the bank that it was time to submit our reimbursement forgiveness paperwork, we properly produced and submitted a documentation required. Without receiving a single statement or document advising us as to the terms and conditions to repayment, regions began debiting large sums from our operating account without notice or any statement ( XXXX ). We repeatedly requested clarification for the withdrawals and Regions failed to provide any. We repeatedly requested clarification and statements of the account- to which Regions refused to provide or otherwise produce. We finally appeared to a branch manager 's office in XXXX XXXX XXXX to discuss the issue, where it was determined that the XXXX loan had entered a repayment process. We demanded copy of a statement of the account -- which Regions refused to provide. We demanded a reduction in the repayment terms while pending review. Regions refused. We signed documents to lower the repayment terms. Regions failed to consider it. We have now sent Regions XXXX emails and called countless times to speak with a XXXX or Regional Manager. All requests rejected. They refuse to communicate about status of loan, statement of the account, or the terms of the repayment. The company has failed to comply with our written and phone requests for a response.
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| 10/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Every deposit I've made has been held for " we have confidential information that this deposit wont be paid, and an 11 day hold will be placed on it. After going to the branch 3X in 1 day, I was told that the branch level had put no hold on it. Sure enough, the check was held. I called the 800 # and was told, it is the branch manager who did it. I went back, to have them help me, at which time the Manager verbally accosted me, never introducing himself, and after asking him to stop, and advising him I was there to see XXXX, he said, " oh well, I could have taken the hold off, but I'm not now! '' Using his access to my money as a vehicle for his retribution.
I'm a new business owner, and Regions bank, XXXX GA has held me hostage, and will force me to close, while they punish me for being stupid enough to trust them.
I called back the 800 number, and was told again that it was the branch manager 's decision. I will be writing an email, to XXXX XXXX, RVP XXXX XXXX USA, and his fellow C Suite , and copying all of the nasty people I've met at Regions Bank including XXXX XXXX, XXXX XXXX, and their manager tonight ( Friday ) and hope they enjoy this weekend, and their successful torture of me, and attempting to defraud me, for their own managers personal vendetta. This manager is a XXXXt XXXX, and I feel did this as a form of discrimination against me.
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| 05/02/2015 |
Yes |
- Bank account or service
- Checking account
|
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|
Web |
Older American |
|
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.
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| 01/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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On or about XXXX XXXX XXXX 2019 I used my debit card for a purchase and was denied. After investigating I found there were several hundred dollars of charges made to my debit card through my XXXX account, they are linked. I spoke with a CSR at XXXX and her supervisor and was told they would not reimburse me the money because it appeared that the charges came from my phone. I have NEVER purchased in game apps before but was told that this was why. I then called my bank, Regions Bank and filed a dispute. On XXXX XX/XX/XXXX, I received a letter from Regions essentially saying the same thing XXXX did. They said that since it was through XXXX I should have filed a police report saying that my card was lost or stolen, even though I always had it with me. I have also never filed a dispute before. Now ( because of returned check charges I am almost XXXX XXXX dollars in the negative. I am a single grandmother raising XXXX small grandchildren alone. Next week when my paycheck is direct deposited it will all be gone as the bank said it is my responsibility to bring the account positive. When this happens my entire check will be gone and we will have no money for food or gas for my work. Yesterday I visited the branch and came out incoloble after being told again, that they could not do anything else for me. I do not understand how this can be ok or legal..
|
| 09/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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On XX/XX/XXXX Regions bank fraud dept. emailed me to call them. When I did, they told me that they had closed my Debit card, because of a fraudulent charge, which they said they had refunded. They didnt tell me of any other charges that looked suspicous. By the time I got to the bank on the XX/XX/XXXX, I saw 4 transactions that I didnt authorize., on XX/XX/XXXX.
Claim XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX. {$79.00} XXXX XXXX XXXX. {$99.00} XXXX XXXX XXXX {$99.00} On XXXX, I got a letter stating that these merchants stated that they obtained my authorization, when I signed up for a trial offer.
I looked up the merchants and called them the first 3 stated that they dont have an acct With my name, address, zip code or phone no. And I never signed up for any trials.
Iron scalp doesnt have a web site, so I was unable to track them/ call them.
I tried to send this information to the fax no. on the denial letter, including who I talked to, their phone no. also.
XX/XX/XXXX, The bank manager called to tell me that the fraud dept. is still denying these.I have tried to contact the fraud dept., but each time I am on hold for 20 to 30 min. The branch mgr. stated, that even he cant get a hold of these people to plead my case.
From the moment they put in my claim, the bank has been saying, that it was highly likely that I wouldnt get my money back.
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Regions Bank website says they will assist victims of Covid-19 With " Bank Fee Waivers '' Regions Bank does not assist with Covid-19 Victims. I was charged two {$72.00} FEES EACH. Again in my Deposit agreement it says for standard overdraft it's only {$36.00} However Regions is Charging well over that by charging {$72.00} per item. I did call regions for assistance explaining that I am victim of the corona virus and that these fees for {$60.00} in transactions has now put the balance at XXXX I am not paying XXXX Dollars in Fees. The Account is opted out of overdraft. I tried reaching a manager because regions lies online to their customers on their own website. Regions.com explaining that they will assist with Bank Fee Waivers and they do not. The Manager told me they assisted me on the XX/XX/XXXX for a Different fee and they will not be assisting me with anymore fee 's even though my account is opted out of Overdraft to begin with and they are charging a fee greater than what is legally allowed by the FDIC. Regions never assisted me with payment assistance neither, Regions continues to lie on their own website and does not care about their customers. There Managers are HORRIBLE at customer service, the lady was screaming on the phone, she wouldn't escalate it to the Executive office and told me she doesn't care about customers of the bank.
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| 12/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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XXXXwo fraudulent purchases were made on my Regions Bank checking account on the same day. Those charges were for {$97.00} and {$96.00}. I received a text message asking to approve one of the charges, I text no, and got a response back saying that your car will be canceled and reported as fraud. I then immediately called the bank to dispute the charges and they inform me that I had to wait for the charges to post. About Three days later both charges posted and I proceeded with submitting a claim. I recently received a letter saying that they are closing it and not reimbursing money due to, " our review found that the transaction appears to have been authorized ''. I called the bank back and they said that it is now responsible for me to do the rest of the research and then send them the information so that they can reopen the case. This is pretty much saying that they no longer will do a review unless i give them more information. I have no more information other than what I gave them. They said due to it being a contactless pay that it had to be approved and I somehow approved it through some type of phishing. I also want to note that these charges happened out of my home state. I live in XXXX and they say the charges were made in South Carolina. I asked them to reconfirm the location and they say that it's offline so they can't tell now.
|
| 07/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. Regions Bank 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The XXXX . It has been over a period of five years since XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
|
| 01/05/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American, Servicemember |
|
In XXXX 2023 received an unsolicited credit card offer to open an account with Regions ( regions.com/preselectcash use promo code XXXX ). The solicitation simply states, '' Get a {$250.00} Cash Rewards bonus when you spend {$1000.00}. in the first 90 days '' Per their promotion there were no other stipulations to receive this reward. The credit card was approved and issued on XXXX XXXX in my name, card # XXXX XXXX XXXX XXXX.
Per the promotion and within 60 days I charged in excess of {$1500.00}. to this card and have since paid all charges owing them in full. All paid on or before the due date. I want the {$250.00}. bonus credited to my account to offset future charges. Today I called their customer service number XXXX XXXX XXXX XXXX and spoke with an agent explaining i wanted the {$250.00}. reward added to my card. He verified I had met the {$1000.00}. charge requirement but said 90 days have to expire before the reward is credit to my account. Just by chance the 90 day requirement he referenced was satisfied today! Pointing this out to him he then said regardless of that at least two more statement cycles must expire before they would credit the account the {$250.00}. He furthur stated there were no exceptions to this even though I pointed out to him the promotion mentioned no such thing. He said he would open a complaint on my behalf.
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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On XX/XX/2023 I received a text message from my mobile banking ( Regions Banking ) that a series of transactions had occurred on my checking account eventually amounting to a total of {$5300.00}. Some of these transactions took place near my home and XXXX other transactions took place in XXXX, WA which is XXXX minutes away from XXXX where I live. I then filed a claim with my bank stating that I had never received the debit card which was used to make these transactions. I have recently learned that my fraud claims have been denied by my bank. They did not even have the decency to email me saying that the claims had been denied, I had to call them multiple times. They denied my fraudulent claims because they said the transactions took place near where I live and typically use my debit card. That is crazy to me, as I have never shopped in any of those stores where the transactions took place nor have I used an ATM in XXXX before! I also never travelled to XXXX, WA the night of XX/XX/2023 where someone spent a total of {$3000.00}. Regions Bank also said that the card was delivered to my apartment, but I never received the card and never activated it myself. The bank says that someone would need personal information to activate the card, but again I never received the debit card and never purposely or willingly gave away personal information.
|
| 04/18/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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I deposited a check at my Bank 's ( Regions Bank ) ATM on the XXXX of XXXX . This check was an insurance check that was issued to me by my Insurance co mpany - XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the first XXXX party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company XXXX to see if they can cancel the check and re-issue a n ew one tha t I can get proper endorsement from my lien holder. XXXX informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another one. My B ank sent me a letter advising that they will make my funds available after XXXX days on th e XXXX of XXXX . This was extremely disappointing and I cou ld n't imagine why my bank would hold my funds for more than XXXX days. Today is XXXX XXXX ( XXXX XXXX days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
I have a Regions XXXX XXXX XXXX XXXX credit card account. I notifed Regions Bank of billing errors, and disputed a number of inaccurate interest charges, by mailed letters dated XX/XX/XXXX and XX/XX/2023. The Bank did not respond to my letters nor correct the errors, and continued posting further inaccurate interest charges on account.
On XX/XX/2023 I attempted to bring these issues, and additional interest transaction problems, to the Bank 's attention for resolution in a certified mail letter. The USPS return receipt confirmed that the certifed letter was delivered to the Bank on XX/XX/2023. A true and correct copy of the letter, with its enclosures and the USPS return receipt with tracking, is attached to this complaint.
Regions Bank did not respond to this letter, and took no actions on the account to correct the errors or otherwise address the problems identified.
As of the letter 's date XX/XX/2023 the billing errors amounted to {$59.00} over-charged to the account. However, due to the Bank 's failure to resolve the ongoing problems, additional erroneous interest charges appear on the account 's XXXX and XXXX statements, in the amounts {$46.00} and {$46.00}, respectively.
In the absence of any explanation whatsoever from the Bank on this matter, the current disputed portion of this account 's balance is not less than {$150.00}
|
| 10/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time
|
| 11/26/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022, Regions Bank placed a Freeze on all my Accounts at the request of an Attorney - XXXX XXXX XXXX without a Court Hearing and without an appropriate order from the XXXX XXXX XXXX XXXX XXXX.
The Court knows Mississippi Civil Procedures have been violated in this process and that's why they are trying to hurry and have hearings violating the 30 day procedural requirement and a sufficient Order given by the Court instead of being written by an Attorney. The Court Hearing was scheduled for XX/XX/2022 for the Freeze. But, the Freeze was placed on the Accounts on XX/XX/2022 before the hearing. And, then tried to do a quick turn around to do another hearing before 30 days on a Summons by a Judge who's under Judicial Performance Review.
Regions Bank told me I need to go Court and settle this with the Court to remove the freeze initiated and prepared by the Attorney instead of a Court Clerk after a hearing with the Court Seal and Judges Signature.
The matter at hand is an XXXX Account with a check written out to me by XXXX XXXX XXXX and deposited into Regions Bank as an XXXX Account at the request of my Deceased, Sister.
Regions Bank allowed banking information to be given out on my Accounts according to the Prepared Order, by Attorney XXXX XXXX XXXX and then froze the accounts without a Court Hearing on XX/XX/2022.
|
| 09/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
I currently have an account with Regions XXXXEnerbank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I did not receive my XXXX statement, then in XXXX when I received my statement it stated : statement date XX/XX/XXXX, and payment due date XX/XX/XXXX, making the payment due date before the statement date, this has been the issues since XXXX of XXXX. Before the problem occurred, I only had one late payment from XXXX, XXXX to XX/XX/XXXX. I had several conversations with Enerbank employees concerning the issue with no resolution. In XXXX I filed a complaint with The XXXX case # XXXX and in XX/XX/XXXX my statements were corrected to Statement date XX/XX/XXXX, and Payment Due date XX/XX/XXXX. Then again in XXXX my statements were incorrect with the statement date being XXXX, XXXX and payment due date XX/XX/XXXX. Since the change in the statement date and payment due date I have incurred multiple late fees. According to their contract if my payment is due XX/XX/XXXX I have a ten-day grace period, I should not be charge any late fees until XX/XX/XXXX, however if my payment due date is XX/XX/XXXX my payment is due XX/XX/XXXX and adding the grace period my payment would be XX/XX/XXXX shorting me of 10 days for my payment to be on time which might contribute to the late fees added to my account
|
| 02/02/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XX/XX/XXXX, and the week of XX/XX/XXXX I attempted to get a mortgage loan for a house and then a personal loan. In both cases the bank that i bank with and that receives my bi weekly pay check denied me the ability to get either. In XXXX I tried to get a mortgage for a home but Regions bank in XXXX ga onoy gives our home loans above XXXX. However that is significantly more than is required for a starter home in the area I am looking XXXX. So in XXXX I attempted to get a personal loan but qas still denied because of lack of credit history. However i have a good cresit score, no bad debt, and paid of student loans. Additionally, the amount i requested from Regions was less than the amount of money I hold in their accounts. I just needed it because the home purchase would be a significant endeavor requiring the money. I have all right pieces but have still be denied. The only reason they can site is lack of credit history, yet I am unable to access credit to build credit history. I believe this is a pattern of behavior with this entity from my conversations with others. Also, it seems to be intentional that they will not lend to be based kn my age, race, and the area in which I am trying to buy. Also, they wont provide any documents stating this but it has been all verbal which makes this hard to fight or challenge in any way.
|
| 02/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
|
|
Web |
|
|
I opened a new account with Regions.
I have all my cards on auto draft. It was hard to get in contact with anyone at Regions. It was even hard to set up payments over the phone unlike any of my other cards. I tried on several occasions to set up auto payment unsuccessfully with this company. Then I received a notice of a 30 day late on my credit. I was affected like most during Covid and explained the customer service and hard to set up automatic payments. I sat on the phone after talking to several representatives and one walking me through the process to set up auto payments and understood my frustration. She said she would put in a dispute to have removed. I received response 30 days later they did nothing. I have had XXXX of my new credit cards close my account because this late brought my score down because Im new to credit. XXXX card decrease my balance. I need this removed from my credit. I HAVE never been late on anything they can pull my credit. I couldnt set up auto payments because of their system and hard to get in contact with anyone. I need the 30 day removed from my credit, the representative agreed also but I received notice they were keeping the 30 day. System issues on their end, and hard to speak with representatives shouldnt be my fault. The representative that took the time to help me was over XXXX hour.
|
| 05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
Regions Financial Corporation/Regions Bank of XXXX XXXX XXXX will not close my business Visa credit card account. The balance due on the business Visa card has been {$0.00} for months. Regions Bank telephone employee verbally told me I had to travel to a Regions Bank or write a letter on business letter head and mail it to : Regions Bank Credit Card Support, XXXX XXXX XXXX, XXXX, AL XXXX. I was told the mailing address.The body of the business letter included the credit card number, account number, number on the back, name, address. This was mailed on XX/XX/2023. On XX/XX/2023 I received, via U.S.mail, an envelope from Regions Bank containing a new business credit card. On XX/XX/2023 I called Regions Bank and the telephone employee informed me I had to either travel to a Regions Bank or write a letter on business letter head with all the information described above and mail it to Regions Bank. I informed the telephone employee that was done on XX/XX/2023. The employee offered no further assistance. On XX/XX/2023 I called Region Bank again to confirm information before submitting this complaint. This time I was told I had to find a Fax machine and Fax the letter and I was not supposed to mail the letter. Please tell Regions Bank to cancel my business credit card account.I do not wish to play anymore games with Regions Bank.
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| 09/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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To whom it may concern : On XX/XX/2018 my regions debit card was stolen out of my property. I was not aware of this fact. I called the next morning and checked my balance and thought everything was fine. That day XX/XX/2018 i tokk my lunch break and was going to the bank to make a withdrawl and i got s strange feeling. So i called to check my balance again and my account had been withdrawn all the way into the negative XXXX dollars.at that point i got my wallet out of my pocket as quick as i possibly could only to discover thst it was missing. there were 4 transactions on my account from random gas stations that equaled up to XXXX there were also 8 more transactions done on the internet that equaled up to {$1800.00}. as soon as i became aware of this i called, had my card cancelled and immediately went to the bank and disputed these charges. Even as i was speaking to the customer service rep. the culprit was trying to make another transaction on my account. Regions told me they would come to their decision within 10 business days.Well, today is the 11th day and i have not gotten the first email or piece of mail letting me know the decision either way. Please help me. That money in my account was from an insurance payout on my car when it was totaled. without it i have no money for another car to get back and forth to work.
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| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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At the Regions Bank at XXXX XXXX XXXX Florida XXXX XXXX XX/XX/XXXX, I made a deposit of {$1500.00}, it is a secured card to make credit, said card was requested that day by the agent XXXX XXXX XXXX the card has never It arrived by mail and on multiple occasions I called the bank to tell them that it had not arrived yet, this agent told me that she would cancel it and she never did, I later returned to the bank to ask why it had not arrived and there they gave me the information that they made multiple transactions that I never made because I did not have the card, the first was at the same Regions bank in XXXX on XX/XX/ for a total of {$450.00}, XXXX # XXXX on XX/XX/ for {$230.00}, in XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/ for {$270.00} and {$2.00}, on XX/XX/ in XXXX # XXXX for {$47.00}, and in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2.00}, for a total of XXXX, they tell me that I am responsible for something that I did not do because I never had that card, but they hide information since they carried out the first fraud in their own bank and there are cameras there, even though I promptly alert them that they never I received the card, they did not cancel it and they did not pay attention to me, accusing me of this responsibility that I did not commit, I need your help to resolve my case since it has affected me a lot.
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| 10/20/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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I became aware by checking my bank statement. I did not make these particular charges. I am unable to contact XXXX to dispute or access on line account to provide billing information as requested by Regions due to Covid. When I became aware I tried to contact XXXX and was # XXXX on hold and since then havent been able to contact anyone. They have on line help from a Robot and it doesnt help me with my concern. Regions Bank told me since I purchased the package before then they cant refund my money. I advise them I did purchase the XXXX package only once and that was for my son 's birthday. He is XXXX and XXXX XXXX, so I have to make all transactions. In addition, a two party authorization is set up and required before the purchase and you get an email afterwards ( neither of which I received ). My card was compromised and that is why I filed a claim and closed that card out. I have been speaking with Regions for months and all I am being told is they will file complaint with their Complaint Dept. With COVID and my relatives being misplaced due to Hurricane Laura there is no way I can afford not to get my money back for services I DID NOT use. I also filed a police report with XXXX XXXX Sheriffs dept.
XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202 XXXX XXXX XX/XX/2020 XXXX all with same transaction id of XXXX
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| 12/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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This submission relates to previous complaint against Regions Bank regarding excessive overdraft charges with number XXXX and to the finding by CFPB earlier this year that Regions Bank was in violation of Federal Law or Laws in their actions regarding excessive overdraft charges. Other than a refund of a single {$36.00} overdraft charge which I received XX/XX/XXXX ( if remembering correctly on date ), I have not received any thing from Regions Bank in terms of refund or acknowledgement of my valid concerns. In ( or around ) XX/XX/XXXX I began to receive daily/regular collection calls from Regions Bank. At ( or near ) the same time I also began to receive some other type of alternative collection call which came from different numbers with different area codes delivering messages from people using different ( more than likely fake ) names saying things like they are from the fraud division and my checking account is on their list and my case would be downloaded to my county for further litigation. Both types of calls ended in approximately XX/XX/XXXX and I strongly feel they are tied together. During my nearly 17 years as a Regions Bank customer I was a victim of identity theft more than once between the years of XX/XX/XXXX and XX/XX/XXXX by professional criminals with obvious banking industry knowledge and experience.
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| 07/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL
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| 04/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2021 I sent from my checking account at Regions Bank, through XXXX app to friend whose account is at XXXX XXXX XXXX, the reason ( description ) I notated XXXX only because the I have two friends with same name and one is a childhood friend from XXXX living in the US specifically XXXX, Florida. The transaction left my account through the XXXX app, successfully, reached XXXX XXXX XXXX but was never deposited into the destination account. I have contacted, Regions, and initiated a complaint as the funds have not been credited back to me. The destination party has gone to her bank XXXX XXXX XXXX and has been told that they do not have the funds and that the funds were being held by OFAC. I am well aware of the sanctions US has regarding any business, or transactions with XXXX again, these funds were not going to the island they were going to a childhood friend from XXXX and the description was used to differentiate from another friend with the same name. After weeks of constant calls to my bank Region no one can tell me were my funds are or if they will ever be returned to me. XXXX XXXX XXXX has acted without any question being asked has just determined they were going to proceed in this fashion. I must know were the funds are and were they have been applied otherwise this is just pure act of vandalism.
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| 09/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Last month Regions Loan XXXX # The modification was approved. The documents were printed with my ex-husbands name on them. Had to be redrafted. My home is in XXXX and im working interim in XXXX New docs XXXX out to my XXXX address and i returned immediately with notary however one page had an additional extra witness signature required that the notary here in XXXX stated was not necessary. Hence the documents were denied and a second set was set back to my home in XXXX and i was waiting on them in XXXX the same address that they had just sent them. I was then told to download the XX/XX/30 docs from XXXX. I did and later that evening received an email that my deadline was last Friday the XXXX.
Tuesday XXXX after over 20 calls and email unreturned i left two voicemails. Many disconnects on their line and no one at any of the three extensions that i had.
Today i made my payment on time and submitted the corrected documents with a copy of my divorce decree a third submission. As of XXXX pst i was told that underwriting was not going to accept my modification paperwork.
I am filing a complaint in a few minutes when the supervisor XXXX XXXX returns my call.
I have never had regions successfully return a phone call so im very concerned that nothing will happen My home has equity and my loan is 300,000 plus.
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| 04/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/2021 I signed up for a corporate funding package with XXXX XXXX XXXX I paid {$3900.00} upfront fee to have a corporation setup and some files and things put in place to help me qualify for corporate funding. I never received any corporation formation documents or anything pertaining to anything we discussed. I became suspicious after he never called to give me any kind of update and would only respond to my emails here and there. Once I got tired of the excuses and the game of cat and mouse, I officially asked for a refund in XXXX five or so months after I'd paid. He then stopped responding to me completely and I reported this to my attorney at legal shield and they sent the first collection letter XX/XX/XXXX and the second one XX/XX/XXXX because he never responded to it. In between all of that and filing this complaint today, I reached out to my bank Regions and asked if the could reverse the transaction because I was scammed out of hard earned money and it is causing financial hardship. They said that because I imitated it they could do nothing. I explained that I was swindled and needed there help in retrieving the money that I'd wired in good faith but was being deceived the entire time. This merchant has disappeared it seems with my money and is not responding to any letters, emails, or texts.
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| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been trying to refinance my loan for a few months now, and recently I was trying with Regions bank which I have a HELOC with. While Regions mortgage pulled my credit for the refinance, my credit report shows an open balance and delinquent of {$880.00} from my HELOC. However I have never used my HELOC since the day I received it. Regions also is aware that I have never used the HELOC yet they say they do not have access to see why it is reporting a balance. This issue not only hindered my refinance with Regions mortgage, but at the same time it hindered my ability to refinance with two other lenders as well because when the other lenders pulled my credit, Regions still shows the {$880.00} balance and delinquent. I have statements to prove that I have never used any funds from my HELOC account. I have called and emailed regions about this and they do nothing to help. I have suffered a loss not only form the upfront cost to do a refinance, but also lost on a low interest rate as the rates jumped up as time passed on. I would like them to compensate me back for my appraisal fee and any other fees that I had to pay. And I would like them to honor my estimate and get me refinanced. I am a parent struggling to keep things going for his family and I am in XXXX need of real assistance. I need to keep my home.
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| 08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.
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| 11/09/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I financed a solar system through XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ) in XX/XX/2021 through XXXX. I was promised by the company to receive refinancing after 1 year. After the initial year was expired, I reached out to XXXX and he sent me out a " refinance '' agreement with XXXX. I signed it for the lower interest rate that he promised to get me away from.
Immediately after I signed the new " refinance '' agreement I started getting billed by both XXXX and XXXX. I called XXXX ( which there is an on going internal investigation ) and they informed me they don't even do refinancing. XXXX fabricated my paperwork as a new construction project, frauded XXXX, got paid, pocketed the money, and now I am paying on 2 loans. XXXX won't pay off either loan and has left me holding the bag on both. I'm on the hook for XXXX $ XXXX loans right now. I'm a XXXX XXXX on a fixed income and I need help.
XXXX XXXX XXXX has already done 18 months in the XXXX for XXXX XXXX and bank fraud.
He ran XXXX XXXX in XXXX XXXX the same way, by scamming people. He is a con-man. I have 5-6 people I'm in contact with that I can give to you that also have 2 loans out. I have more people outside of that with a litany of other problems.
I am attaching receipts of payments I've made on both accounts as well as balance due on both.
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| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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I got XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to refinance with XXXX XXXX. I got my house appraised and after many months of their false promises they rejected me. I went back to my bank, Regions. I contacted XXXX XXXX several times by emails and voice mails about refinance or home equity loans. He didnt respond. My credit score was still XXXX. I finally went into the bank and talked to the home equity loan officer. My score was now XXXX. He said I didnt qualify because my score was too low. He had XXXX call me who told me the same. I have been trying to get forbearance or another program to give me relief ever since. Ive made numerous calls, spoken to numerous people, faxed in numerous times, gave permission for them to pull my bank statements, and still nothing has been done!!! I now feel theyre trying to steal my property which is worth almost four times what I owe! Ive been one payment behind since the last stimulus check and cant get ahead because I live on $ 1300/mo, but need {$1700.00} for bills. I shouldve gone to another bank. I need someone to intervene to get Regions to put me on forbearance or another program. They shouldve refinanced or given me a home equity loan when my score was high and I was contacting their loan XXXX. I became XXXX due to XXXX and need XXXX XXXX
|
| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Region 's bank has been my bank dating back 25 years to when it was XXXX. In XXXX I took out a personal line of credit to start a business. I quickly payed off the loan and as of XX/XX/XXXX I had not used this line of credit in over 2 years. In XXXX of XXXX, I asked a rep named XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX bank to close this account for me, as it had had a XXXX balance for the previous two years. In XXXX of XXXX, I received a letter from Region 's stating that the account was 30 days past due. This was the first and only contact that I received from the bank and it came after the account was 30 days delinquent. After investigating, I found that the account had not been closed and that a {$50.00} annual fee had been added to the account without my knowledge or authorization. This fee was the only money due on the account. I have made numerous attempts to speak with Region 's corp headquarters about this issue and even had a letter written on my behalf from the manager of the branch in question. Despite my attempts to resolve this issue, Region 's has refused to remove this mark from my credit score. As of my XXXX birthday, this is still the only late payment that has ever appeared on my credit report and I do not believe that it fairly reflects my ability and willingness to pay my debts.
|
| 02/19/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a Home Equity Loan with Regions Bank on XX/XX/XXXX XXXX
The application process was absolutely brutal including not only submitting multiple years of tax returns and W-2 's and the expected application and financial disclosure forms but also federal tax information release forms, paystubs, bank account statements, rental agreements, property insurance forms, flood insurance forms, etc I also needed to go through two appraisal processes when the first appraisal estimated the square footage of my home at XXXX less than actual.
After months of submitting information two weeks ago only a final form was needed which was the Flood Insurance certificate with my name on it. But while the insurance company was working on this the entire loan application was cancelled (! ) that's right, CANCELLED without a word of warning because apparently an application is cancelled once it is three months old (?! ) Now I am being asked to start completely over submitting the EXACT same documents that took months for me to submit and for Regions to review. To say that this process is 'not fair ' to consumers is an understatement.. this is literally consumer ABUSE. Please do not bail out this bank the next time they are bordering on bankruptcy.. they don't deserve the help and consumers don't deserve the abuse.
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I had XXXX checking accounts with Regions Bank. XXXX account went into a negative status due to some unauthorized transactions that came through. I specifically asked if Regions would reach into my positive account to satisfy the other account 's negative balance and I was was expressly told by multiple representatives that Regions would never do that. That turned out to be a false misrepresentation because on XX/XX/2021, Regions debited my positive account to satisfy the negative balance of {$820.00}. I have contacted multiple departments at Regions to obtain relief regarding their false misrepresentations but Regions has refused to reverse and/or dispute the transaction. I am currently out {$820.00} through no fault of my own because I relied on their false misrepresentations. Had I been informed correctly, I would have contacted the collections department to establish a payment plan to stop any withdrawals from my positive account. It is not right that they can tell their customers wrong information and have the customers rely on that false information to their detriment and then not offer any relief whatsoever. Importantly, I never received any notifications about the debt in the negative account advising that they would collect it from another account at Regions or that I could dispute the debt.
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| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX XXXX : Indiana Zip Code : XXXX Date : XXXX Credit Bureau Names : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Dear Sir/Madam, I am writing to inform you that my identity has been stolen. I recently discovered that someone has been using my personal information to open credit accounts and make unauthorized purchases in my name. I have attached a copy of the police report I filed regarding this matter.
I am requesting that you understand that this is a very serious timing and I need major help getting my credit file back into great standing with multiple security options to protect my credit reports and provide me with a copy of my credit report. I would also like to review the credit reports from all three credit bureaus including banks and consumer agencies to ensure that there are no fraudulent accounts or activities on my credit report and all will be removed or are in the process of being removed.
Please provide me with instructions on how to dispute any fraudulent accounts or activities on my credit report. I understand that it may take some time to resolve this issue, but I request that you keep me informed of any progress made in this matter.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 07/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
Older American |
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XX/XX/XXXX, my stepson, had started a new job. It was a good one, and it seemed that his life was starting to take a positive turn. My wife asked to help him with the purchase of more reliable transportation. We wound up purchasing a new Ford Focus through a dealership near XXXX, TX. I assumed that it would be reliable, and that he would have pride of ownership. I put in a {$2000.00} down payment and agreed to cosign the loan ( Regions # XXXX ). My Father had done the same for me when I graduated from college and I appreciated his assistance. The intent being that my stepson would handle the car payments, insurance, and operating costs. This all went smoothly for a year, until in XX/XX/XXXX, he was released from his employment. Although constantly reminded of his responsibility, he demonstrated minimal motivation for making the car and insurance payments. XX/XX/XXXX, payments began to falter. Being the only one who would respond to Regions calls about the delinquency, I had a number of conversations with your representatives to discuss possible resolutions. I did not see making the payments myself as a long term solution to the problem. I was able to buy a bit of time with the deferment of a couple of payments to the end of the loan with the hope that my stepson would make the payments as required.
|
| 07/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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I opened a fraud dispute under the claim XXXX, I said that all transactions made with my debit card ending in XXXX from XX/XX/XXXX are non authorized. Due a mistake from the representative he also included 2 transactions that were authorized by me on XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} ( both same amount date and merchant ) So thats why the claim was denied. I need to reopen the case as fraud dispute taking out those 2 transactions from the claim.
and also open another claim, merchant dispute for merchandize not received. card ending in XXXX XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} both are an XXXX XXXX, the merchant must delivered the purchase on or before XXXX XXXX XXXX, they never sent the items. I tried to contact them by the website without any answer several times starting on XX/XX/XXXX I attached the letter from the bank highlighted those 2 transactions I tried to fix this by customer service, after speaking like 30 minutes with the representative the call was disconnected and I tried to call 5 times after and the answer was " we cant locate any account with that account number '', doesnt make sense if I gave the same information as the first call. Please fix that, I have the same problem many times when I call customer service.
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
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Web |
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On XX/XX/2022 I went to the ATM at XXXX XXXX XXXX XXXX, TN XXXX and made a deposit of {$200.00}. Upon the machine taking my money, the ATM shut completely down and never even provided a receipt. I immediately reached out to Regions Customer Service and informed them of what had happened. They placed a credit of {$200.00} on my account while they researched the matter. I am not sure what type of research was done but if they took out the time to look at cameras, they will see me making a deposit.
On XX/XX/2022 upon randomly checking my account balance, I noticed that Regions had debited the {$200.00} from my account and I was told that because they could not locate a deposit receipt, they could not assist me further and my claim was not warranted.
This is unacceptable to me from a banking institution, someone that we are to trust with our life savings. Some of us are out here not sure where our next meal will come from and can not afford actions such as this. Because of the debit from my account, my checking account now has a negative balance. I have been with Regions for years and never had anything like this take place and I would most definitely have expected them to handle this situation with a little more compassion and research the matter as I have no reason to be dishonest about anything.
|
| 09/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
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Web |
Older American, Servicemember |
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Mortgage satisfaction Regions Bank On XX/XX/XXXX I started a mortgage refinance application with XXXX XXXX, my existing mortgagor. I had a second mortgage at Regions Bank that I decided to pay off rather than to pursue a subordination agreement.
On XXXX XXXX, XXXX, I sent a cashier 's check by XXXX overnight to Regions for the payoff amount of {$51000.00} and the check cleared XXXX on XX/XX/XXXX.
Here we are, two months later and XXXX has still been unable to get the necessary satisfaction of mortgage in order to proceed with the new refinance mortgage. Obviously the interest rate lock has expired.
While I recognize the problems caused by Covid-19, this is not tolerable.
Regions should not be allowed to be originating new loans until it gets its back office in order.
I just received this email from XXXX I wanted to follow up with you again as we have been pestering Regions for weeks now and they still have not sent over anything regarding the satisfaction of your HELOC.
They state that it takes 7 -10 days and all communication is through snail mail, but at this point, Im worried that we are well beyond that and we still have no response from them.
Is there any way you can reach out to them to press them to return the documents to us that we requested?
Thank you for your assistance.
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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My name is XXXX XXXX and my contact number is XXXXOn XX/XX/XXXX, I went inside regions bank on XXXX and deposited a check in the amount of XXXX XXXX and {$500.00} cash which is a down payment for a house I am trying to buy. A few days later after depositing the check, I received an email that the check will be on hold until the XXXX of XXXX, XXXX. On XX/XX/XXXX I attempted to pay for something using my debit card and it was declined. I attempted to log into my acct and my access was blocked. I contacted customer service and was told that I have to go to my local branch to unlock my acct because it has been locked for possible fraud. I went to your branch on XXXX, XX/XX/XXXX and a ticket was submitted to unlock the account for me and after several misinformations by XXXX XXXX, I was told by the bank manager that the check will be on hold for up to 90 days for possible fraud. I have provided all the information you and XXXX asked of me to show proof of where the check came from and Ive showed bank statements from my husbands business account including copies of both front and back of the cashed check and still my acct is on hold. My house will be ready next month XXXX, XXXX and as of right now, the bank is holding my money hostage despite the fact that I provided all the documents they requested.
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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|
On XX/XX/2019 I opened my account with Regions. During the opening process I was presented with Regions Refer-a-Friend program where the bank asked its members to recruit their friends and family to join the bank. For any people referred Regions would pay both parties a {$50.00} Visa gift card. I successfully sent 17 referrals. Of that only 8 people completed the requirements and were designated by Regions as " Criteria Met '' ( for the {$50.00} gift card ). I received 7 {$50.00} gift cards. I am still missing one {$50.00} gift card and Regions own referral tracker confirms 8 criteria met but only 7 incentives paid.
Over the past 2 months I have contacted Regions by secured message through their website 5 times. The bank is helpless via secured message and asks for me to call in. I have placed no less than 14 phone calls to the bank and spent 5+ hours on calls. At each phone call I am given conflicting information, told to call other departments, and even told a help ticket is opened to investigate. Despite this no action has been taken. Even today a " supervisor '' can see my missing referral but is helpless to advise on the status of my ticket, open a ticket, or provide any meaningful information. The majority of the bank representatives do not even know what the refer a friend program is.
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On or about XX/XX/XXXX I was told my account was on hold because a suspicious check was deposited into my account. On XX/XX/XXXX I spoke with XXXX XXXX and was told there was an active investigation for deposit fraud. The bank requested that I file a police report and complete the regions ID theft kit, and I completed these in good order.
I was informed by XXXX XXXX that the investigation was completed, and I was cleared of any deposit fraud. When I went to give XXXX XXXX the paperwork, I was informed my account was closed, and my social security number was flagged so tat I could never open a new account with regions. There were also unexplained fees from the bank that left my account overdrawn.
I feel that I have been taken advantage of by regions banks as this is the first bank account I have opened on my own, and on XX/XX/XXXX XXXX XXXX emailed me to inform me that him and his XXXX are in agreement that I did not remotely deposit the check and that my identity as well as my online banking were compromised. I should not have to pay for something I didnt do. The bank did confirm in our call today they do not charge other bank customers any fees when they have fraud on their account.
Please note that I have filed a complaint on this matter with the XXXX attorney general XXXX XXXX office,
|
| 10/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I had had a checking account with Regions Bank ( Tennessee ) for years when suddenly they contacted me a few months ago to say my checking account had been flagged. Due to a Covid-19 business closure, I lost my job and my apartment in 2020, and I've been unable to entirely get on my feet since then. Because I no longer lived in the apartment I had, and because I wasn't at a permanent address yet, they said they were closing my account. They gave me one month to give them a permanent address or they were closing it. I begged them not to, but one month later, they closed my checking account because I was homeless. They gave no other reason, and I had never done anything wrong with the account. All I ever bought was food and gas for my vehicle. Then, I found out that Regions was being made to pay customers back for surprise overdraft fees. They had charged me many overdraft fees in the time I was with them, from XXXX. Did they close my account so that they wouldn't have to list me as a person they needed to pay back? They hurt me, and it was unfair and despicable, that because I was homeless, they were red flagging me and closing my one and only bank account. If they owe me money back from the XXXX demanding it, then I want justice for that, and for them closing my account for a fake reason.
|
| 01/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On XX/XX/XXXX I received a text message from Regions about a fraudulent charge. I confirmed I did not recognize the charge and the debit card was canceled.
On XX/XX/XXXX I was available To follow up on the issue and try to get a new card renewed. Due to my job I was out of the counrty. XXXX XXXX services were recommended to get a temporary emergency card issued to me.
I submitted a request with XXXX and was later informed via email that the request was denied by Regions Bank and that I should follow up with them as to why.
Every time I called the Regions they would refuse to follow up, or elaborate as to why. They would not discuss the request even after my identity was confirmed. Multiple times they would transfer me to XXXX, who at this stage can not help me. Going as so far to lie about putting me on hold to get a supervisor to transfer me to XXXX again. The only advice they would give me is to have someone else pick up my new card out of my mailbox and ship it with their own money.
On the third follow-up call trying to resolve this issue the customer rep pretended not to hear me and transfer me to a dead-end phone number that automatically hangs up on me.
Their refusal to do their jobs and constant deflection has left me stranded out of the country without access to funds
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections.
I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days.
Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again.
Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!
|
| 04/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account XX/XX/22 and I received a email saying to sign the signature document. I never received a text message confirmation to let me login. So a week later I activated my card and added all the money I had thinking it was okay. I tried to purchase something I got declined over 10 times. So I called the bank they said I had to wait until the deposit post. In order to release the new account hold. So thats what I did. The card didnt work. I called in they said I had to come to a branch which isnt accessible to me because I dont have a car right now and the branch is over an hour away. A representative told me I could fax the document in. Thats what I did on XXXX its been 3 days. I called back today and got told they didnt received it. However I called yesterday and the representative said the document isnt pending no more which is good sign and to give it a business day. I did I called multiple times today. They representatives said they couldnt do anything and to go to a branch. Like I stated earlier I have no transportation to go far away ( an hour away ). I asked if I could just closed the account and they told me to go to a branch. Its a continuous loop. I just want my money. They let me add money but will not let me use or withdraw it. Which doesnt make sense to me.
|
| 06/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have not received my XXXX title from Regions Bank.
XXXX Paid of XXXX XXXX XXXX XXXX Called Regions XXXX number- was told title was released XXXX. If I did not receive by XXXX to call back.
XXXX Called XXXX Regions XXXX number- was told it didnt show a mailed date. If not received by XXXX to call back.
XXXX Received a copy of loan agreement.
XXXX Called Regions XXXX number- was told title was sent.
XXXX Went to Regions office in XXXX XXXX spoke with XXXX XXXX XXXX She release the lien, the computer did not show it released. XXXX told me I would have the title the next week.
XXXX Received the release of lien in the mail with a letter stating I can go get a duplicate title.
XXXX Called XXXX. She said the title would be mailed shortly after the release of lien.
XXXX Called XXXX. She said she would check on title. I told her to get it and I would come by Regions and pick it up.
XXXX Left message for XXXX to call me.
XXXX Left message for XXXX to call me.
XXXX Talked with XXXX. She is checking to see why Regions says the title was released XXXX yet she released it on XXXX. I told her I didnt want to have to pay for a title when I never got the first one. She said she would speak with her branch manager.
Each time I spoke with someone from Regions they verified my address.
|
| 04/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I made a deposit of 4 money orders, with {$390.00} each over the counter on XX/XX/XXXX ( Saturday ) at the Regions XXXX XXXX branch, XXXX GA XXXX. However, on XX/XX/XXXX it was showing one money order was declined and only three were deposited and posted onto my account. I went to the branch, asking for the reason. A lady with manager title gave me a Refer to maker notice and asked me to contact the money order issuer, XXXX XXXX to see whats going on. She refused to start an investigation.
I spent a lot of time and paid to request a customer trail research document, and it came back saying it was declined because the money order was presented by the same bank more than one time on the same day and it was paid off upon the first attempt. It must have been the clerk who tried to cash it made a mistake.
I went back to the XXXX XXXX on XX/XX/XXXX. Someone helped to find the image of the declined check was duplicated in the system, which means another money order was not scanned and cashed.
If the previous manager would pay a little more effort to go through the scanned images on my first visit, I wouldnt have spent so much effort and suffered from the stress of losing my money, and I wouldn't have paid just to prove that it is a fault of some one at the Regions XXXX XXXX branch
|
| 11/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have contacted Enerbank repeatedly, on multiple forums, asking them to mail me my full account balance monthly. They repeatedly refuse this request. They only mail me my principal balance, and they state they will not mail the total balance because interest accrues daily and the balance changes. But they are completely fine with only mailing me my principal balance. The only way to get total account balance is to either call them during THEIR business or by filling out a form online, for them to contact me back at THEIR leisure. I have called them on the phone, they refuse. I have emailed them, they have refused. I have filled out the form online, they have refused. I have filed a complaint with XXXX XXXX XXXX, they have refused. I have filled out reviews on XXXX and other financial webpages, they have refused. They have shown repeatedly they will not do what their customers want, which is extremely basic. People in the XXXX, XXXX, XXXX, XXXX ... and on have received mortgages, car loans, and other loan total balances on monthly statements. Enerbank refuses this repeatedly. People have been requesting account balances or even statements online for 9 years on review sites, and Enerbank refuses, saying " soon. '' 9 years and still no resolution is " soon '' according to Enerbank.
|
| 02/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
XX/XX/2023 ( the most pertinent among other calls ) Spoke to a representative of EnerbankUSA concerning problems trying to pay loan for an air conditioning unit. I can not get any accurate information on 1. If a payment has been received.
2. How much principal is left on the loan 3. Missing payments.
I can not get any of this information online with my account, on the phone with a representative, or from the statements sent.
I also got a bill for payment not going through and I can not get any information about this transaction except it was not accepted. This bank, EnerbankUSA apparently works through another bank called XXXX that sent me a payment not valid. I called the number on the bill and it is out of order. It is terribly difficult to pay a loan off if you can not get any information on 1. If a bill has been paid 2. If a payment has been received 3. How much I have paid in total 4. How much is still owed Or if I do get information it is absolutely wrong according to my bank statements. I will not send this lender my bank routing number, I only write checks because I saw they had been sued for secondary lenders taking money illegaly out of peoples bank accounts.
I was also told a representative would get back to me with 48 hours of XX/XX/XXXX and I never got a call
|
| 12/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.
|
| 01/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
So far on two separate occasions, on XX/XX/2019 and XX/XX/2019, I have deposited XXXX and/or XXXX XXXX money orders into my Regions checking account. Both times, I received an email the following morning at XXXX XXXX CST from Regions informing me that my deposit would be placed on hold because Regions has confidential information that indicates that the check may not be paid, even though this is not possible because legitimate XXXX and XXXX XXXX money orders are always paid 100 % of the time. I spoke to the branch manager at a branch in XXXX, XXXX on XXXX XXXX on XX/XX/XXXX and he told me that I should provide receipts of the purchased money orders so that in the event of a hold placed by the back office, I can prove the checks were legitimate. I have uploaded images of the receipts to four money orders that are currently deposited in my account yet not in the available balance.
It is obvious that Regions is using this false narrative of confidential information that indicates that the check may not be paid to fraudulently freeze almost {$4000.00} of mine deposited via money orders. These money orders take 1 business day to clear, meaning that Regions already has the money and is earning interest on it. This behavior is unacceptable and is no way to treat a banking client.
|
| 03/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
3 days ago, I received a notice from a debt collector, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX.
The creditor is : Regions Bank - Client Account # XXXX - XXXX Account # XXXX.
The notice states that I owe Regions Bank {$850.00}. I had NEVER heard of Regions Bank before I received this notice, nor have I EVER done business with them.
I called XXXX who told me to call Regions, which I did. I called Regions Customer Service, XXXX, who told me to call the Fraud Dept.
I tried to call Regions Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone.
I called XXXX. They are putting this into a Fraud File.
Yesterday, XX/XX/17, I called Regions Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in XXXX XXXX years. There are no Regions Banks here. She then hung up on me.
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud.
I would appreciate it if you would look into this for me.
|
| 06/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On X/X/17 I called Regions bank on two seper ate occasions that say to ask if any of the overdraft fees on my account could be waived or reimbursed to my account. As of today my account is $ XXXX . I have a mobile deposit pending for deposit tonight in the amount of {$270.00} but that will still leave me with a negative balance. I called explaining why my account was overdr awn ( my mother passed away ) a nd all the stress of dealing with that and paying funeral fees and other things I was n't paying attention to what was going on with my bank accou nt. I have 4 p ending transactions on my account for tonight ... XXXX , XXXX Credit Card pymt XXXX XXXX XXXX , XXXX Credit Card payment Express and a {$19.00} XXXX purchase that has been pendi ng for four d ifferent days. So far Regions has taken out {$180.00} in overdraft fees with more in sight since I have 4 more transactions pending. I called today twice and I actually got ONE {$36.00} fee reimbursed to my account. They would n't help me any further. Their response that I had already used a court esy fee waiver within this year ... which is untrue and they could n't do anything else. Can you get Regions to waive any more of the fees? At this point I 'll never have a positive balance. Please help. Thank you.
|
| 11/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Regions bank whereby the subject property has been occupied by a Tenant since XXXX of XXXX. As per the terms of the XXXX agreement with the tenant ACH drafts are authorized to be made each XXXX Thus, Rent payments have been drafted from Tenants bank account at XXXX and applied directly to mortgage payments at Regions Bank since the inception of the XXXX.
I recently received notice from Regions Bank of default whereby Regions unilaterally returned XXXX XXXX of mortgage payments to Tenant 's bank at XXXX and classified the reversal on my account as a " misapplication reversal. '' On XX/XX/XXXX, I spoke with XXXX and XXXX at Regions Bank in the collections department ( neither gave their last name ). I advised of potential fraud on my account and the situation. The explanation I received is " for any reason and at any time if Regions receives a request to return money they have to honor it. '' I requested a copy of this policy and Regions has failed to provide it.
The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and Regions followed through with a refund of these payments without my knowledge or approval.
|
| 07/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2022, I was looking at ads on XXXX XXXX. I came across an ad for puppies that needed a home. I contacted the seller XXXX XXXX and was told the puppies were {$650.00}. That I should send a down payment of {$250.00}. She wanted it sent to XXXX. XXXX did not recognize that email so they changed to a friend. XXXX XXXX. Trustingly I sent money after asking for picture of my puppy and where they are located. They said XXXX and sent pictures that looked old.
The next morning she texted and said she needed to pay the vet for DNA test, shots etc so puppy would be ready for on the XXXX of XXXX. Another {$250.00} sent to a XXXX on XXXX. XXXX originally sent it but then reversed the transaction. So XXXX asked me to send to same person on XXXX as before. Reluctantly I did.
The next day she asked for {$150.00} for legal papers which after being fussed at I sent again to XXXX XXXX.
The next message wanted {$230.00} for a kennel the vet required. Money would be refunded at pickup. I refused payment and was told I had hurt her feelings. She has now blocked me on XXXX.
I called Regions and was told they have no dispute process and basically neither XXXX nor Regions Bank would help recover the money. I just wanted them to investigate it. They said they would but I doubt it.
|
| 03/26/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
|
|
I receive my check via a prepaid payroll card and on XX/XX/2021 at XXXX my debit card was used at an ATM multiple times to withdraw {$1000.00} from my account. The problem with this is that I had my debit card on me and was in an entirely different city and county when this happened so how is this possible? Also it was done at an ATM so how did they get my PIN? This scammer also went to an ATM in an area I never go to. I don't know how this happened but it did. I didn't find out until the next morning ( XX/XX/XXXX ) and as soon as I found out I called to report the fraud. I told the debit card company what happened and was told they had to do their own investigation and if they found it to be fraud as i claim then they would refund my {$1000.00} that was stolen. I received an email today that stated the banks investigation didn't find evidence of fraud so my claim was denied. I live paycheck to paycheck and due to COVID 19 I am XXXX living in a XXXX and need every penny I have to keep a roof over my head so what am I supposed to do when my money was stolen the same day I received my paycheck? I told the company I want copies of their evidence that made them come to the decision they did and that I have proof I was nowhere near the city the fraud happened in that day.
|
| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
XXXX XXXX an account was opened at regions bank under my maiden name XXXX XXXX, my social security and my date of birth. I received an email that a new account was opened and thought it was a scam. Then XXXX XXXX received another email that there was a mobile hold on XXXX that was deposited into that account. I called regions bank in XXXX, Tennessee they told me to come in first thing Monday morning! I went down there told them what I had received and there was an an actual account opened under me. They told me they was going to put a freeze on the account and they didnt they put a hold on it due to receiving another email today XX/XX/2023 that a return of deposit was sending via mail to the address on file. They also told me not to fill out a fraud packet due to me not keeping the account open with regions bank and that they would take care of it and try and find out what was going on! They copied my license. I gave them my number they told me to freeze my credit and I did as soon as I left! The manager called me and said it was fraud activity and they would be looking into it further. Then today I receive the email of the money sent back that was deposited and I called the online help desk and they said that there was a small hold on account but it was not froze.
|
| 01/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
In XX/XX/2021 we applied and were approved for a loan at enerbank on what was called a 12 month same as cash loan. Our idea was to pay monthly and when the prior to the 12 months, pay it off. This company never sent us statements either by mail or email so we just kept paying it monthly. We were ready to pay it off and I called to see what the payoff amount was and lo and behold, the 12 month same as cash expired. we did not get a letter advising us it was about to expire like MOST companies do. I talked to a representative and he told me the balance was {$6800.00} and " can you pay this today ''. I said i could but then he told me he would have a supervisor call. I never heard from a supervisor yet they said they called on XXXX XXXX. The did NOT call me and I show no record of them attempting to call. I then called back to see if the offer of paying the balance of {$6800.00} would be still offered and they said no. Please believe me when I say that I have never gotten a bill nor did we get a notification that the 12 month same as cash offer was to expire. I believe this is bad practice and this company is not acting in good faith. I would like to also mention, when calling them, you must wait at leaset 60 minutes to talk to someone. I think this comapny is a scam.
|
| 07/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
I am a veteran, and college graduate. I feel that i have been mislead and deceived by Regions Bank in an attempt to take my home in foreclosure. For the past months I have been waiting for Regions to modify a loan or simple give me a yes or no answer on my multiple applications. I inherited the house from my father and the loan was in his name. On XXXX/XXXX/17 I faxed 24 requested to documents that were requested by Regions. I was told the process could take up to 45 days for the loan modification application. I could have but did not pay the back mortgage amount because I was waiting for a decision. I called In XXXX.I was asked again to submit the same packet of documents and a transfer of real estate document.I waited and again no response or decision. I contacted an attorney and called only to be told that they would only speak with my attorney. I was told that loan modification would allow me rewrite the loan in my name and not have to to pay the back mortgage. No response or explanation. This delay has only put me further behind and I now had to pay property tax on the house and other properties to avoid a tax sale. I owe XXXX on a house that is valued at XXXX. This a deceptive practice and I feel that the goal was extend the process for profit and foreclose..
|
| 09/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.
|
| 04/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center XXXX
|
| 08/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
In XX/XX/2017, I opened a secured ( XXXX ) credit card account with a credit limit in the amount of {$1000.00}. On XX/XX/XXXX, Region 's approved a transaction in the amount of {$1300.00} to XXXX Car Rental. This transaction should've been declined as it clearly exceeded my credit limit & I did not owe this amount to the merchant. The merchant contacted me on XX/XX/XXXX at XXXX XXXX and advised that I had a balance due of {$270.00}. XXXX Manager, XXXX XXXX, had no right to steal these funds from my account on XX/XX/XXXX. Region 's was aware that multiple irregular transactions had been entered on XX/XX/XXXX by this same merchant & subsequently had to flag my account as a result, so Region 's should've declined this questionable transaction on XX/XX/XXXX. I have a stellar payment history with Region 's & Region 's failed to protect me from financial recklessness on behalf of this merchant, ( XXXX ). I have never at any time authorized Region 's to pay for services that exceed my available credit limit. Approval of transactions that exceed a customer 's credit limit, against the customer 's wishes should be illegal, what is the point of having a credit limit if that amount can be involuntarily exceeded? This illegal transaction impacted my credit report & score.
|
| 07/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.
|
| 01/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$100.00} - {$230.00} XXXX XXXX XXXX - {$4.00} - {$130.00} XXXX XXXX XXXX FI XXXX - {$2.00} - {$120.00} XXXX XXXX XXXX FI XXXX - {$7.00} - {$120.00} XXXX XXXX {$4.00} - {$110.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$120.00} CHICK-FIL-A # XXXX XXXX - {$10.00} - {$85.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$74.00} XXXX XXXX XXXX XXXX {$35.00} - {$38.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XXXX XXXX XXXX XXXX {$110.00} {$32.00} The feature is supposed to allow you to keep track of every transaction that you spend so that you don't go into overdraft but 2 or 3 days my account will go into the negative even if I see it's not in the negative 2 or 3 days before. I've heard other customers have complained about this very same issue and it's misleading. If it's an issue for your customers why not change the app? Instead REGIONS BANK changed it reversal of overdraft fees policy at the beginning of this year according to the representative I spoke with on XX/XX/2021. I, as a banker wasn't made aware of these policy changes ... unless I missed the correspondence in the mail. The policy changed but not the app ... .that 's questionable??
|
| 09/10/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
DEAR CFPB : LAST WEEK REGIONS MAKE THE OFFER REISTAMENT TO AVOID FORECLOSURE WE SEND WIRE PAYMENTS BUT THEY REFUSE PAYMENTS TODAY I HAVE TO CANCEL MY WORK TRIP IN XXXX XXXX BECAUSE THIS PROBLEM.
WE HAVE OVER USD XXXX POSITIVE ESCROW AND REGIONS FILE FORECLOSURE FOR USD XXXX PRE PAYMENT ESCROW??
THIS IS NOT NORMAL - REGIONS NEVER SEND ANY FORECLOSURE NOTIFICATION TO US WHY??
NOW WE SEND THE FULL PAYMENT AND WE DO NOT HAVE ANY RESPOND FOR THE REISTAMENT PAYMENT!
SEE XXXX XXXX WIRE AND ELECTRONIC PAYMENT CONFIRMATION E CHECK USD XXXX Payment Detail Payment Type XXXX Check Payee Account No. XXXX Name on Account XXXX XXXX XXXX Payment Amount {$4000.00} Send Date XX/XX/2019 Expected Delivery XX/XX/2019 Reference No. XXXX Status Check Mailed Check No. XXXX Trace ID Memo loan XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS LOANS XXXX ... XXXX One-time - send now {$1200.00} XXXX COMPLETED WIRES REFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$2200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3000.00} XXXX COMPLETED
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
First instance occurred w/ regions bank was on On XX/XX/2019 my purse was stolen out of a shopping cart, which resulted in many of my cards being stolen and used. When I noticed my purse was missing I cancelled all of my cards but couldnt dispute any transactions when the following Monday when they posted. XXXX dollars was withdrawn from my account. I filed a dispute and was denied b/c they wont except the police report AND the detective working the case has called several times and spoke w/ the supervisor himself.
The second instanced occurred on XX/XX/2019 and I personal sat down with the branch manager and told him remove overdraft protection and I dont want nothing paid. I told him the representative said she removed it a week priory and she didnt and I was charged XXXX dollars in overdraft fee when the lady said she removed it. He promised he took care of everything and nothing will go through if no money isnt in the account. I woke up 2 days later and notice I was hit with XXXX dollars worth of overdraft fees when the branch manager of XXXX Indiana promised nothing will go through! Regions has being doing shady transaction moves allowing things to go through when your not opted in. In the past 2 month I been hit with almost XXXX dollars worth of fees!!!
|
| 06/04/2021 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Trouble using the card
- Problem with direct deposit
|
|
Web |
|
|
On XXXX, I sold XXXX XXXX at XXXX for {$100.00}. At that time, they gave me an envelope containing a debit card and a letter explaining how to get my money. They said I was required to make my second donation within 14 days of the first one.
A couple days later, I went to the website at https : XXXX? XFunction=LoginPage to transfer the money to my checking account. The website said there was an error and to contact customer service. I did so at XXXX, and they said that the system was down and that I should try again the next day. When I tried again, I got the same error and called customer service again. This time, they said that it wasn't possible to direct deposit my existing balance, even though the documents I received clearly say that I can do that. I then set up direct deposit for future payments, but they said that would take XXXX business days to set up, which will be after my required 2nd plasma donation.
On XXXX, I sold plasma again for {$100.00}, as was required.
On XXXX, I went to a bank to withdraw the full balance of {$200.00} from the debit card. The card was declined for unknown reasons. I immediately called customer service, and they said it wasn't possible to withdraw at a bank teller, again contradicting the documents on the account.
|
| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
We took out a loan for a new heat pump and air conditioner in XX/XX/XXXX with the first payment due in XXXX. I paid them a triple payment ( {$150.00} ) on XX/XX/XXXX in an attempt to offset their XXXX 13 % interest rate.
The company did not apply this payment as I expected. Normal companies would have posted it as the XX/XX/XXXX due date payment and the balance to principal. EnerBank posted it as 100 % interest and advanced my due date to XX/XX/XXXX. When I asked them to reverse that, reset the next due date to XX/XX/XXXX and the difference between their $ 50 monthly payment and my {$150.00} payment to principal only, I received two emails ( see below ) : " Thank you for contacting EnerBank USA. We have received your email communication. We believe it would be more beneficial to have a verbal conversation to answer your question ( s ) at a time that is convenient for you to discuss this matter. Please contact our Customer Service Department at XXXX. We are available XXXX XXXX am to XXXX XXXX. Thank you, EnerBank USA Customer Service Department '' My response to their email was : " Hi, please respond in writing to my inquiry. And follow the instructions you were given for posting my payment. '' Their response was an exact, carbon copy of the original email.
|
| 05/30/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
Early in XXXX applied for a regions bank home equity loan. Loan office was very inefficient and delayed the process stating that bank underwriters where not very responsive. The officer quit employment and moved to Indiana I was then introduced to new Bank officer XXXX XXXX. She said individual left and best to start whole process over, allowing her credit for transaction. I inquired if anything different and she said no. Process was completed and I was told there was a penalty for early termination except for sale of property. I sold property XXXX XXXX and title company send pay off figures which should have been XXXX. I was then informed that a penalty would be charged. I sent XXXX XXXX an email with information only to be told that the document required the penalty due to regions changing the contract during my application. If done before as i attempted their would have been no penalty. Attached e mails XXXX stated that she was wrong in her statement to me of no penalty at any time do to sale of property. She forwarded to bosses only to be told Federal lending laws prohibited the waiver. This response even after XXXX XXXX told Bank she misspoke and misled me. If the request was processed properly by bank loan officer I would not have received this penalty
|
| 12/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/2019 i fill a lost card and unauthorized transaction / on XX/XX/2019 i was advise to stop my direct deposit due to to the unauthorized transaction/ Mr XXXX representative advise that he would send out another cc / I did recieve that / call back on XX/XX/2019 to get updates and my claim was denied / fill a appeal that same day XXXX a week later no respond fil a complaint with still no respond / fill another claim XXXX XXXX 2019 XX/XX/2019 and out of all the claim i recieve one letter pertaining to the first claim that i was denied, and that came for the first iniall claim, and still fighting to get my account correct, the total of fraud charge XXXX they gave me XXXX which took it down to XXXX now this is bad they keep on staying they want a copy of my work hours and a police report which i think that is private. i never had to go threw this with any bank, this is bad and not a safe bank for anyone if they cant secure your money but want to give you XXXX like your the crimnal. now ive file 6 fraud claim and only recieve one letter pertain to the first and everyone else collection calls which iam not paying a thing i didnt do it so iam not paying. but this needs to be handle its beeing a month now going on two months and no calls or responds to nothing.
|
| 10/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.
|
| 09/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
This bank is infuriating because I simply can not get a human being to speak to me about my account. When logged in to the checking account, they suggest sending a secure message -- but there is no place in the user interface to send a secure message. I have scoured and searched every page, and it doesn't exist. They also apparently have a chat feature, but I've checked every single day for XXXX weeks and the chat feature is never available.
They also link to a XXXX help account that has been defunct for literally years now. I eventually found the official, working XXXX. They don't answer tweets.
I am also checking these functionalities in the Regions app. Nothing is ever made available.
I also call customer service at this number : XXXX. I can never convince the system to let me speak to an agent after inputting my social security number and PIN. The system tells me that my checking account is already closed, and it is NOT, it is still open in the website interface and also in the app. I am being charged {$8.00} a month on the checking account.
I want this unbearably disorganized bank to close every single account attached to my name and mailing address immediately. The customer service is completely non-existent. GET IT TOGETHER, REGIONS BANK.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent Regions Bank an affidavit XXXX XXXX regarding an account opened without my permission. I received a response on XXXX XXXX from an XXXX XXXX from the XXXX XXXX department that the account was frozen. Until this date the accounts are reporting on my XXXX, and XXXX credit profile, ( XXXX ) ( XXXX ). In accordance with the Fair Credit reporting act, Regions Bank has violated my rights.
1
5 USC 1681 Section 602 States I have the right to privacy.
15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency reporting agency can not furnish a account without my written instructions.
15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Attached is the documentation that was sent and the response email.
idtheft XXXX XXXX XXXX, XXXX, XXXX AM to me Hello, Your affidavit has been received. We have frozen the account ( s ) opened with your information. We will review the affidavit and close any accounts opened fraudulently. At the completion of our investigation, a resolution letter will be mailed to you. Please allow 30-45 days for the investigation to be completed.
Thank you, XXXX XXXX XXXX XXXX XXXX Team Lead Corporate Security Regions Bank
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
XXXX XXXX. I received a letter from Department of Supervision and Regulation. Consumer Compliance. In XXXX & XXXX I learned that Tax Identification numbers were created on me, without my knowledge. I only have the last four digits of each identification number 's. One was used in the bankruptcy court in XXXX. This is how my mail was being stolen. My personal information was being used as though I had a business. The last four digits of the EIN # is XXXX. The name of the company is called XXXX XXXX XXXX. The second EIN # is XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX , my late father. The EIN was created XX/XX/XXXX with XXXX. My father was deceased at that time. My personal information was linked to that EIN account. Please notice the envelope reads XXXX XXXX XXXX. XXXX XXXX is listed. XXXX XXXX and her sister XXXX XXXX put their mother in a nursing home. They are now abusing her retirement benefits. The address shown on the envelope was sold by the sisters in XXXX. To avoid authorities. The account I had with Regions Bank I made my sister, their mother my beneficiary. The address is XXXX XXXX XXXX XXXX TN XXXX. Their mother had a XXXX and is a XXXX. They chose to put her in a nursing home to take her retirement. They abused my personal information also.
|
| 04/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
An action was filed by United States CFPB against Regions Bank regarding overdraft protection - some accounts were charged overdraft charges when they had not signed up for overdraft protection services - the accounts had to be linked to a savings or other account that could be used to cover overdrafts. I did not have such an account, and did not sign up for that service, but was charged overdraft fees anyway- this occurred from XX/XX/XXXXto XX/XX/XXXX. in fact it only stopped when I learned of the action while online- I was never contacted regarding the action and did not choose whether or not to participate in the action. I have contacted customer service at the bank 4 separate times ; each time I was shuffled to other departments or referred back to my branch, who was unaware of the action, or was otherwise not taken care of. I was told to email the legal department, which I did twice, and I have not received any response from them. At one point I was told I could receive some of the charges, but then the customer service person refused to refund any of the charges.
I have just spoken to them again, and this time I was asked to fax the documents to the legal department. the customer service rep I spoke to said she would also file a complaint for me.
|
| 02/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me.
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
|
| 11/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer.
I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.
|
| 10/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On a Saturday I transferred money from my Regions Bank XXXX account to my Regions Bank XXXX account via online banking. I reviewed my checking account balance to see that the transfer went through and the balance reflected the transfer. Then I went to XXXXwo stores and made purchases using my debit card. On Tuesday morning, I checked my account online and noticed that it was negative. After further review I saw two bank overdraft charges for the two purchases I made after transferring money into my checking account. I called Regions bank customer service and asked the agent why I was charged two overdraft fees for the purchases when I transferred more than enough money into my account before making the purchases to avoid overdraft. She informed me that the bank was closed on weekends and on Monday mornings their policy is to post all the debits first then the credits. They do not post in the order the transactions were made. So they essentially charged my account for the two transactions before they posted the transfer which made my account overdraft because there wasnt enough money in the account to cover the transactions which is why I did the transfer in the first place. After which they charged me an overdraft fee for each transaction after that.
|
| 04/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I opened this account with Fleetcor for a XXXX XXXX XXXX over 3 months ago. I used the card, always made payments on time. All of a sudden, card was closed without any notice or any calls. Called in and was told to call Fraud. Customer service would not let me through to fraud so I talked to them. Customer Service infomed me email fraud at their email address for Fraud to see why was closed. Never got any email back from fraud other than a dispute form that was for credit card transactions only. This was not a credit card transaction so I emailed fraud back asking for correct form and no reply after several emails. i found out finally from talking to customer service the reason it was closed due to not being able to verify my XXXX. My XXXX clearly stated on the website with Secretary of State and active. Tried to communicate this via email but no response. Now they are holding my security deposit and will not return it. Customer Service Rep advised me not to pay the last invoice because the security deposit will be taken out of it. I have now waited 2 months and the invoice is past due and getting ready to effect my credit so i paid it. I called customer service to talk to someone about when it will be returned and still no response, no resolution.
|
| 10/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
An unauthorized ACH was made to my business ( XXXX XXXX XXXX, XXXX ) checking account on XX/XX/2021 for the amount of {$3900.00} at Regions Bank. On the statement shows XXXX XXXX I went to the bank on XX/XX/XXXX when I found out about it and I requested to file a dispute and I never received any confirmation or documents to support this transaction.
The person at the Bank said to wait between 7 to 10 days for an answer that never happened and around that time I went back to the bank and they gave me a case number and a phone number XXXX ( Regions Bank Customer ) for me to call and confirm the dispute.
Following their advice, I called to confirmed the dispute and never received a call back or email.
I also called several times to XXXX XXXX XXXX XXXX and because my company also has a company account that we regularly pay with company checks, NEVER by ACH. They checked and confirmed that there was no ACH or electronic payment from Regions to any of the cards or employee cards on my account.
I reached out again several times with this matter to the Manager of the Regions Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking to refund my money an to investigate and he said they can not do anything else. This is fraude and I never authorized this ACH.
|
| 09/21/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XX/XX/XXXX opened a savings secured line of credit account, I took {$1000.00} ( collateral ) from my account to open this account, to establish my {$1000.00} credit limit and to help build my credit. The bank was not reporting accurate and timely data to the credit bureaus and it was not helping build my credit. XX/XX/XXXX, I went into one of the local branches to closed the account because it was not serving a purpose. XX/XX/XXXX I went back into the bank to receive/collect the {$1000.00} reimbursement for the closing of the account. The teller ands the bank manager that closed the account on XX/XX/XXXX mistakenly took an additional {$1000.00} out of my account, instead of refunding the {$1000.00} due me. After multiple calls to the customer service number and chat lines, I was told to go back to the bank and request the release of the hold that was on the money. It's now XX/XX/XXXX, I have been given the run around since XX/XX/XXXX about the return of my {$1000.00}. Multiple phone calls have been made to a couple of bank managers and no one has returned my phone calls or provided the status of when I should expect the return of my {$1000.00}. I just want the reimbursement and return of the {$1000.00} collateral I put up front to open the account.
|
| 05/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
My deposit from Social Security was deposited into my account on the XXXX Wednesday, and my account was overdrawn by XXXX. The bank recovered their fees from the deposit but froze my funds where I could not make any transactions. I was in the process of purchasing food and my transaction was not approved. I called the bank and the bank stated my funds would be available the next day because the transaction had to be posted manually. I stated if that's the case no funds should have been taken out of my deposit as well until the next day. The money was there, my deposit was there and this is the XXXX Wednesday. I should not be penalized to not be able to get access to my money once my money was received by the bank. In my opinion this is a way to discourage me from using this bank for illegal tactics to the customer. This is not the bank funds when the money comes in from a government institution for a customer. This is an abuse of Power by the bank, and illegal and unlawful practices by bank. They also took a portion of my Stimulus money to cover overdraft fees. This bank is Regions Bank. I spoke with four different people and they all spoke the same script. I still was unable to use my money on the day it was suppose to be made available to me.
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with REGIONS MORTGAGE. Previous to COVID, I had never missed a payment or even been late a single time in over 10 years. My credit was well over XXXX. This changed when forbearance ended and REGIONS set me up with a counsellor to get back current. I spoke with them and was assured of a smooth transition adding the missing amount on to the end of the loan. Satisfied with this resolution, I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue sometime shortly after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem in XXXX. Please help ASAP.
thank you!
- XXXX XXXX
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| 08/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans.
I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part.
I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!
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| 08/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.
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| 12/09/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information from me.
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| 08/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
Servicemember |
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I'm considering paying off one of my 2 credit cards. However, I was extremely dismayed to discover that Regions Bank, despite soliciting on the basis of interest rates, does not disclose the rates it charges on my credit card unless I agree to allow them to deny me access to a paper statement. In other words, those customers that object to only getting e-billing ( which I cancelled because it kept going to spam and/or otherwise arriving late ( resulting in Regions charging me late fees ). So, I can not make an informed decision about which credit card I should keep since I have no information to base my decision on, until I get next month 's statement, and even then, I have no way of knowing how the rates have compared to one another during the past months/years, since I am denied access to statements, again, unless I allow them to go back to sending me late statements so as to charge late fees, and spam me. I don't see how my choice to receive an actual bill, on time, ( which is my right ) should somehow impair my other rights, including knowing what interest rate they are charging me today.
Please look into this and ensure that Regions doesn't pick/choose between what rights it complies with, and those that it chooses not to comply with.
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| 10/06/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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A counterfeit check for the amount of {$5500.00} was cashed from my checking account on XX/XX/2021. I did not notice till XX/XX/XXXX due the disruptions caused by COVID. When I finally reached a representative at the Regions Bank Priority Banking Services it was XX/XX/2021. The representative explained the process and told me to fill out the claim form that he would email within 24 hours. He clearly stated when I asked him that I was within the timeframe to file the claim and that I should not worry.
I filled out the form ( which was sent again on XX/XX/XXXX in a different format ( Regions Check Fraud eSign system ), talked to the branch manager ( XXXX XXXX ) who told me not to worry that the money would be back in my account, and signed the electronic form and sent it by XX/XX/XXXX.
I had not heard from the fraud department so I called today and a supervisor ( XXXX ) told me that the claim had been denied because I had filed it after the 30 days from the day of the counterfeit check being cashed. This was not the information I was given by three other Regions Bank representatives.
The fraud with the counterfeit check was done by someone who knew about my checking account at Regions Bank- and that would be someone working at the Bank.
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| 09/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Confusing or missing disclosures
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Web |
Older American, Servicemember |
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My wife deposited a check made out to her in my account. The teller checked her id and accepted the check. The next day we where told that they could not accepted the check because she was not on the account. They have put a hold on the money for four weeks and refuse to release to my account or refund the check back to the issuing bank. I went there and offered to sign the check and they would not let me. The issuing bank has released the funds with no issue but they still refuse to release the money. This money is being held hostage because their employee was not suppose to accept the check but did anyway. The amount of money is {$5000.00} dollars. The bank is Regions bank in XXXX, GA. The money was deposited on XXXX and they have a hold on the money until XXXX. This is totally unreasonable. This is {$5000.00} that we can not access because of an employee mistake and we are being penalized because of this. I have spoken to customer service at the bank and at corporate but no one seems to care. I asked to speak to the lady 's supervisor and their supervisor but was told no one was there and it was XXXX in the XXXX. All I ask is to have the money put back to the issuing bank which is not unreasonable. Thank you for any help you can give me.
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| 07/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX as correct but my loan is a different amount. They did not mail the correct amount to XXXX and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.
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| 03/21/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I work in XXXX and XXXX and with COVID 19 causing " The Great Pause '' I am unable to work or even collect from A/R because of financial strain of everybody at the moment. I had a personal loan given to me to help me through the next 30 days to help me pay for my medical and life insurance and deposited a XXXX check. Normally check deposits are immediately available for use. I was notified through mobile banking app that funds would be made available after nightly processing. The money was deposited into my account and then Regions took it back out and placed a hold on the funds, but never gave any acknowledgement as to why it was being held. I reached out to my Regions bank and told them the situation and inquired as to why the funds were being held. I was unable to speak to anyone directly and was forced to communicate through online service. I was given no reason, only that funds would be held until XX/XX/31. Our entire livelihood as a small business has been put on hold and my bank is now keeping me from moving forward without the ability to care for my family. I find this action to be unacceptable especially at this time of financial crisis and I implore you to investigate as I'm sure there are many people experiencing the same thing.
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| 07/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had been a customer of XXXX XXXX and on XXXX XXXX, 2017, I received a welcome letter from XXXX XXXX as my loan was service transferred. I had been current on my payments with XXXX XXXX. When I found out about the service transfer, I called Regions bank to make a payment ; however, the representative stated that my loan had not boarded their system and that I would need to wait until I received a welcome letter. They also reassured me that I would not get charged any late fees. I would also informed not to make payments to my prior service ( XXXX ). Thus, I stopped my automatic monthly auto drafts to XXXX as I was going to setup automatic auto draft payments to Regions once the loan was boarded into their system. On XXXX XXXX, 2017, I received my first billing statement from Regions. The billing statement showed amounts owed for two payments ( XX/XX/XXXX and XX/XX/XXXX ). However, they also are charging me a NSF fee for {$30.00}, and there is no explanation for this fee. The {$30.00} fee makes no sense as my loan was transferred and I was not able to make payment arrangements to Regions. This is a poor way to welcome a new customer and is a deceiving practice and does not sound legally right. Please help in this matter. thanks XXXX XXXX
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| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXXXX/XX/2022, I tried to deposit {$220.00} cash into my Regions Bank checking account using their ATM. The ATM took my cash deposit and returned a {$20.00} bill and gave me an error message. It returned my bank card to me as well. The ATM then returned to the welcome screen and did not add my deposit to my account.
I immediately drove up to the bank teller window, spoke with XXXX, telling her what just happened. She told me that she noted the time and would fill out a report immediately.
XXXX went by and I never received any information on my missing deposit. I went into the bank and was eventually helped out in receiving a provisional credit. After receiving the credit and having it for a XXXX XXXX, Regions then sent me a letter telling that they had reviewed the situation, and they took back the provisional credit.
I have since gone into the bank XXXX asking for any information or help on getting my deposit back. XXXX will write down my phone number on a post it note with other random notes, tells me she will call within a XXXX XXXX, but never does. I was also advised, by XXXX, not to use the ATM, as it is unreliable and this same situation has happened to other customers.
Any help or suggestions would be much appreciated
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| 09/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On the Regions ATM machines, they claim to accept XXXX bills at a time. I confidently put my XXXX XXXX dollar bills that we had just received from selling our car to deposit into our checking account to pay off a card. The machine took my money, returned my card and issued me a receipt saying that There was an issue returning my cash and for me to contact my financial institution immediately. I did not move. I called the bank from there and even inserted my debit card again to assure myself that the deposit and withdrawing options were unavailable, which they were. I attempted with two cards. The bank opened a claim and told me it could be up to 10 days. I called a few times and they continued to tell me it hadnt been 10 days. The 10th day came and went. I called and they had closed my claim saying there was no merit in depositing the money in the clients account. I told them they were robbing me and calling me a liar. They reopened the case using the picture of the receipt that the atm gave me. I reminded them that there are cameras and that I inserted my other cards. They were able to see my other actions and the error of the atm. I am still waiting to he contacted and for my money. They are thieves and treat their customers like liars
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| 12/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I contacted Regions bank in regards to my credit line ending # XXXX which was put deferred on XX/XX/XXXX which is for 3 months and payment was due in XXXX. I spoke to XXXX XXXX on XX/XX/XXXX as well to confirm that deferred had been successful which I was told it was completed and to just wait on the credit reporting to update. I made another call on XX/XX/XXXX which XXXX XXXX was not available but told me that the credit reporting department was still working on it. I made my XXXX payment on both accounts as discussed. Now today, I get alert from XX/XX/XXXXthat Regions is flagging my account as late which on my account it shows current and next payment due XX/XX/XXXX. I contact Regions again today, spoke with XXXX who imessaged XXXX XXXX and was told that my request for credit update on # XXXX was denied but the deferment had been approved. With your account being under deferred no late payments are reported to the credit bureaus. I was told the late payments showing in XXXX and XXXX would be removed. Now no one is talking responsibility for what I was told. I even made a payment on XX/XX/XXXX as good faith in result of the deferment being added. I have contactedXX/XX/XXXX- regions still has not responded and it been almost a month.
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| 11/15/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.
ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal.
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| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Regions Bank has refused to follow through with my requests to dispute charges from a Merchant, XXXX.
The past month, I have been receiving letters from Regions Bank refusing to refund me or complete the dispute process in my favor. They have not provided any relevant information that is sufficient, clear and concise, or satisfies preponderance of evidence. They return to me a letter saying they believe the transaction is authorized simply because of a history of previous transaction. However, I specified three charges from the merchant which were unauthorized. I explained how the product from the merchant broke upon leaving the store and they refused to refund me. I suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and neither the merchant or my bank have acted in good faith. This is incredibly frustrating and offensive. Regardless of whether I have had previous interactions with the Merchant, I have reported the transactions at least twice within the past 30 days and continuously receive a denial from my bank, with no reasoning other than their default " You've had transaction here before, so how is it likely these transactions are disputable ''. It is insulting and I am weary of the blatant disrespect, and trivial games.
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| 07/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX a XXXX hacked into my son 's Regions Bank accounts utilizing his online account information and stole XXXX. To gain access using an unfamiliar terminal, the XXXX was able to hack the Regions Bank database in some manner and retrieve security passwords. The XXXX then transferred funds ( XXXX ) from my son 's savings account into my son 's checking account and utilized XXXX ( a service never before ( or after ) used by my son ) to transfer funds to themselves ( name on transfer was XXXX XXXX ). Luckily, my son became aware of the theft and immediately ( on the evening of XX/XX/XXXX ) locked his account ( presumably preventing the remaining XXXX from being transferred ). The next day ( XX/XX/XXXX ), my son went into a local branch of Regions Bank and filed a claim for breach of the accounts. He also filed a claim with the XXXX ( AL ) city police department. After multiple attempts and denials from Regions Bank stating that they did not find any action of theft despite recognizing the method of withdrawal ( XXXX ) had never been utilized before, we are seeking alternative assistance to recover. Clearly based on the facts as presented and relayed to Regions Bank, this theft was not the action of the account holder.
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| 04/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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On our company Universal Premium Fleetcard statement dated XX/XX/21 there was a high risk transaction fee. Coincidentally we had received a notice dated XX/XX/21 that changed an account section called " High Credit Risk Account '' that I will include in the documents. When I called customer service about this fee the only information they would give me was an email stating that " the fee has been assessed due to low FICO ''. Now the terms of this state that our consumer credit score ( does not mention FICO ) as reported by a credit reporting agency utilized at their discretion can not fall below 600 ( this changed from 530 originally ). It also states that if it drops by 51 points or more in any 3-month rolling period that it could also trigger the high risk transaction fee.
My complaint is that they should have to provide proof of this, not just send me an email stating our company has a low FICO. We do not pay for XXXX XXXX XXXX and we are not a high credit company. My issue is that this company can randomly charge this fee with no proof whatsoever of us failing to meet their terms. They should have to provide the data they are using because they should have to prove something that they set the terms for. This is not right.
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| 09/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/24 I opened an account on line with Regions bank and was assigned an account number, and I also signed up for on line banking. I also funded the account with a {$50.00} opening deposit. Later that afternoon, I stopped in to a local branch and picked up two debit cards and assigned PIN numbers - one for me and one for my wife. I also activated these cards. The next day, I attempted to deposit {$200.00} in cash. That deposit was declined. I then tried to use the debit card at my dry cleaner and it was declined. I called the customer service line and after being transferred to various people who could not help me I was told that a block had been placed on my account by a local branch and only that branch would help me. Today, I was able to speak with someone at the branch and they told me that the account was closed due to a report of fraud. No other explanation was provided to me. I was told I would receive a letter and was told to call something called " XXXX XXXX XXXX ''. When I asked for that number, I was told I could look it up myself.
This process seems backwards. Why would a bank allow me to open an account, fund it, change my direct deposit and then two days later close it without a detailed explanation?
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| 10/06/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I have had a Heloc with Regions bank in Ga. I found out that they have been sitting on my over payments of interest only to apply them when they see fit. They show the overpayments on their statements as " PAST DUE '' yet it is actually the overpayments of principal that I have made trying to accelerate the payment of my loan. It is a simple interest loan. Any over payment is to go to principal. They are saying that since I make it from a non Regions Bank account that I have go to their bank physically to get them to properly apply any over payments made for principal or open another account with them? I have made numerous attempts to resolve and the onus is always on me not them. Each time that they are putting my overpayments in the " PAST DUE '' are of the account they earn extra money and have been doing it for years until I finally figured out how they were misapplying my payments. Our payments have always been on time. They have not applied the payments properly. All of their loan coupons have the this " PAST DUE '' line on their documents for payment. The forms you would need would just be their forms they use to collect payments. It is in the upper right corner reflecting the activity since the last payment etc.
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| 01/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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We have our account with Regions Bank for years. We purchased a property and on the closing day, we received instructions from the Title Company to do the wire. We went to Regions and did the wire to XXXX XXXX XXXX and came to find out, the email we received with the instructions was hacked. XXXX XXXX XXXX found that out and is holding our money for over 70 days. They do n't give us information, do n't talk to us and we were told that they only will give information to our bank, Regions. On the other side, our bank is not helping at all, they refuse to get higher level people involved, to help us, they are treating us with a lot of demeanor. I sent an email to XXXX XXXX and XXXX XXXX, who we were told are the regional manager and operation managers and they never replied the email. Our branch manager also sent an email to them and they do not respond. This is the worst demeanor a bank can do to a customer. We are supposed to have help when there is fraud involved and Regions is not cooperating at all. We went to an Attorney and were informed that only Regions can do something for us and all they are doing is NOTHING!!! Having a regional manager and operation manager like this, they should have some punishment for that!
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| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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I had about XXXX dollars taken from my account in XXXX via XXXX transactions, XXXX in XXXX and XXXX in a XXXX XXXX XXXX in XXXX, TX. A place where I have never been to.
These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received an email asking me about verifying a transaction in the XXXX XXXX XXXX TX, I replied to the email indicating that i had not made that transaction.
I received another email from Regions Bank confirming they received my reply. They sent me a different card since the initial one seemed yo have been cloned. I thought that was going to be no longer a problem since they changed my card. This week I went to pay my HOA fee through this account and noticed the XXXX dollar missing in the transactions indicated above.
I went to the bank in person to resolve this issue only to be told that it had happened over 60 days ago and they couldn't resolve, I called their customer service who instructed to go to one of their branches, at the branch the only option I was given was to call the merchant to try to get them to revert the charges which of course they wouldn't do.
At the end, I was given no solution and decided to withdraw the rest of my money since I can't trust that bank.
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| 03/23/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
Older American |
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This is not a duplicate complaint. This is about a new issue of discourteous, dismissive and discriminatory treatment by Regions Bank related to written and verbal communication. On XX/XX/XXXX, XXXX XXXX XXXX of Regions Bank addressed a letter to me regarding complaint ID XXXX. I responded to contents of the letter on XX/XX/XXXX. The delayed response was due to treatment for crisis level XXXX XXXX XXXX and adhering to medical advice of avoiding XXXX inducing situations. I waited for a response until XX/XX/XXXX, and decided to call the number offered in the Regions Bank letter. My letter and call were in response to the statement - Regions works hard to exceed expectations and provide the best customer service experience possible. Your feedback is very important, and our goal is to address your concerns and provide the best solutions. When I called the number, a female answered and after stating that she did not recognize the name of the person I asked to speak with, she stated she would transfer me to a department that could possibly help me. I waited for fifteen minutes while repetitive automated messages bombarded my eardrum before I decided to disconnect. To date I have received no response by telephone or written.
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| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX?
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email.
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a XXXX Regions, I have proof and I have attached
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| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Upon selling our home, Regions XXXX accepted {$6000.00} toward the 2nd mortgage/Home Equity Loan when our house sold. The remaining balance we owed was converted into a personal loan, in which we agreed to pay {$25000.00}. This loan promissory note was signed on XX/XX/2018 ; however, the loan was not property processed and was lost. My wife and I made multiple attempts to pay the monthly agreed-upon payment amount of {$210.00} ; however, Regions Bank refused to take our money and stated they did not have a loan for us. Shortly thereafter, we started receiving phone calls from Attorney 's office about the balance due. After contacting 3 different attorney 's offices ( who we were told had received the documentation ) as well as speaking with XXXX XXXX, Manager of Region Collections/Mitigation, he was able to obtain the account back from the assigned attorney 's office ( we still do not know who received the bill ). However, they have not reported the correct amount as well as the correct account number to the Credit Bureau 's on our behalf. We have paid over {$10000.00} toward our agreed-upon balance of {$25000.00} ; however, the credit bureau shows our balance as {$52000.00} AND that this amount is a " charge off. ''
|
| 10/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded.
Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached.
I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed.
On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee.
The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX.
The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.
|
| 01/20/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I received notice from my attorney XXXX XXXX XXXX on XX/XX/2016 informing me that my mortgage lender Regions Bank dba regions Mortgage has declined the short sale offer presented to them by XXXX stating there is not enough time to review for short sale due to the foreclosure date set for XXXX/XXXX/16 and that they require an offer within 35 days of a scheduled foreclosure to proceed. Regions has also declined XXXX 's postponement requests and will not reopen the file. I believe that Regions has been unreasonable in rejecting a verified binding short-sale offer simply because they do n't have sufficient time to review the offer. The buyer has already conducted a thorough inspection of my property and home. I am desperate for help and do n't know have any remaining viable recourse to stop the XXXX/XXXX/16 foreclosure. I am in this position due to divorce and have been working diligently through XXXX to complete a short sale. I do n't believe in filing for bankruptcy and I do n't have the money required for reinstatement of my mortgage loan even if I liquidate my 401K. According to my attorney Regions is not doing what the government says the lenders should to provide foreclosure alternatives to homeowners. Please help!
|
| 09/03/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I tried to get Regions Bank to refinance my HELOC 30 days before it reached maturity. We submitted the refinance loan application and their loan officer XXXX XXXX took 5 weeks to say " no, can't do. '' I was then referred by her to XXXX XXXX XXXX from the Loss and Mitigation Dept at Regions. Mr. XXXX send me a new application, I filled it out. It took me another 20 days to find out by Ms. XXXX XXXX, from Loss and Mitigation Dept that I was denied refinance because I had no sufficient Income to pay the Loan. Regions has not provided me with a monthly payment. I am not late in any type of payment since I dont have any assigned scheduled payment to make by Regions. I am not failing to make any payments.
We feel Regions is being unfair by reporting us with " Late Payments '' to our credit bureaus since we dont have a way to make a payment since Regions has not open an account where we could make the payments.
It's not our fault Regions approved us a line of credit 7 years ago and now they change their mind and tell us we aren't worth it of a credit with them. We have a Mortgage loan with Regions that we never failed to make a single payment and made all payments on time while the our HELOC was opened until it matured.
|
| 07/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
An unauthorized transaction was made on XX/XX/XXXX for {$1500.00} on one of our debit cards even though the card has never been lost or stolen. Regions refused to refund the transaction that was within 60 days of reporting because there were similar fraudulent charges that dated back to XXXX. The fraudulent charge in question was an XXXX charge, which is the most common retailer that we normally use so we didnt notice someone had our debit information because there was never a point where the card was lost or stolen. Someone has been using our card info to make small $ XXXX purchases at random times, so we didnt notice until a large purchase was made. Regions refused to follow the Electronic Funds Transfer Act because the first fraudulent charge was made over 60 days ago even though we are only disputing the larger {$1500.00} charge made less than 60 days ago. Their reasoning makes no sense because someone could easily make a {$5.00} purchase using someone elses information, wait the 60 days, then make a {$5000.00} purchase. The Act is written per transaction for that very reason. Regions is breaking the law by not following it because we didnt notice small charges on our account from a retailer that we always use.
|
| 09/23/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have been a member of Regions bank 20 plus years. I have spoken well of this bank and encouraged others to join. On XXXX XXXX 2015, my checking account was debited for XXXX. Again on XXXX XXXX XXXX. My father 's name is on my account, because his checking account was 30 days overdrawn, Regions assumed I wanted to be responsible for his debit. Regions did not RESPECT me enough, to notify me in a timely manner, the decision they were making on my behalf. I have over draft protection. Payment was needed to pay on the balance. Regions notified my father through mail. My father contact me. Payment was made, and I continue to make payments on MY debit. Regions SHOULD have shown me the same respect, when it came to my father 's account!!! Regions refuse to refund the total amount citing policy. " When someone has an account with another person, and their account is in collections, we reserve the right to get the funds. '' This is an UnFAIR policy. Making one adult be responsible for another adult 's bad money management. I feel this policy needs to be changed. I am owed RESPECT for being a loyal customer. If this is how Regions treat their loyal customers, I feel it is time to part ways. Word of mouth goes a long way!!!
|
| 07/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had a debit card provided by an employer ( XXXX XXXX that was stolen from me around XX/XX/2022. On XX/XX/XXXX, I became aware that the money on my card was used by someone else for {$800.00}, from XXXX XXXX XX/XX/XXXX.
After calling and reporting this issue to Comdata ( the bank issuing my XXXX XXXX ), I was instructed to dispute each transaction online. Then I received an email from a comdata representative basically telling me to investigate my own case by calling each business my card was used at, ask about there refund terms, and ask if they would be willing to issue me refund. My problem is I do not believe my card company is trying nearly enough to dispute or replace the money I worked hard for.
I followed their instructions even though it was difficult to try and talk over the phone with business about my card being used. Most of the businesses asked why does my card company have me reaching out to them, and that if fraud really did happen, that their card services would have to refund me. Im almost 100 percent sure comdata should not be instructing users of there service to figure out if they can get a refund.
Attached is a picture of the email instructions Comdata sent to me filing after disputes.
|
| 10/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I submitted a Balance transfer on XX/XX/22 and it was over 2 weeks before I received a response. Regions shared with me the balance transfer was cancelled. The agent entered the wrong information and I asked if the balance transfer could still be accepted since the 0 % interest promotion had already expired on XXXX/XXXX/22. The agent XXXX said she would request the promotion be reactivated and to call back in 3 business days ... after the 4th business day there still was no answer for my request # XXXX will submit request to research to have promo code XXXX Ticket Number XXXX and I was told to call back every day to check the status. However, I received notification that the balance transfer was processed however at the 24.99 % interest rate, so I called XXXX XXXX XXXX again and spoke with XXXX, and she confirmed it was a 24.99 % rate, and this was not the agreement for the {$550.00} balance transfer, so XXXX put in another Request to the XXXX XXXX to adjust the {$550.00} balance transfer to be at the promotional rate of 0 % ... I also have the mailer indicating this promotion.
Regions is known for false advertising and making customers jump thru hoops to get an answer and I am tired of Regions so please help
|
| 11/07/2016 |
Yes |
- Other financial service
- Traveler’s/Cashier’s checks
|
- Customer service/Customer relations
|
|
Web |
|
|
Earlier this year I was issued a check from Regions Bank for around {$20000.00}. I went there to cash it and they asked if it would be okay to get XXXX XXXX in cash and the rest in the form of a cashier 's check. Although I wanted the full amount in cash, I was understanding, due to the fact that this was a large amount. So, I have my cashier 's check, issued by the very same branch of Region 's bank here in XXXX XXXX, and they are refusing to cash it because my ID card does n't fit into the parameters set forth by their computer program. The thing is, it 's a very official ID that was issued by the XXXX with a very clear picture and I even brought a second form of ID with my picture on it. I just got released from State Jail and I do n't have a car or money to go around getting different forms of ID that fit into their box. I 'm the person whose name is on the cashier 's check, I have an official ID from the State of Texas ( it just is n't a drivers license like they want ). I know not everyone wants to walk around with large amounts of cash, but I 'm a lot more comfortable with keeping track of my money that way, and the whole point of a cashier 's check is that it can be redeemed for cash without any hassle.
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened a checking account with Regions Bank on XX/XX/XXXX under the following promotion : https : //www.regions.com/XXXXXXXX XXXX *Here 's how to earn a {$300.00} bonus : 1. Open a new personal LifeGreen checking account by XX/XX/. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * 2. Enroll in Online Banking within 90 days of opening your account.
3. Make {$1000.00} or more of qualifying ACH direct deposits that must post within 90 days of account opening. Deposits must be new to Regions.
I included the promo code XXXX in my application and printed to pdf the application as evidence. I met the terms of the promotion four days later on XX/XX/XXXX, but did not receive the {$300.00} bonus. I have called and emailed to check on the status of Regions honoring this promotion several times since XX/XX/XXXX. This morning I was told that Regions would not honor the promotion despite my evidence that the promo code was attached when I submitted the application. They do not see that it was attached and said that there is nothing that they can do. Please find my evidence attached to this complaint.
|
| 03/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My card was supposedly used at an ATM withdrawing all of my funds less than thirty minutes prior to me trying to use the card myself at another ATM. It must have been a duplicate card because my card was zipped inside of my backpack as I was on my way to a different ATM than the one that was used to withdraw the funds. I immediately called to report the fraudulent withdrawal and cancel the card on XXXX XXXX, 2022 but Comdata did not provide a case number and said I had to wait 21 days to get one. However, having disputed with a different institution I knew that didn't sound right so after calling back on the XXXX to see if there was a case number I found out they hadn't submitted the claim and had to XXXX search their online access to submit the dispute myself but their website did not generate a case number either. I informed them of Regulation E guidelines but they said that they don't provide provisional credit and that they have their own policy. I also asked for a card with a chip for added security in case the card was skimmed or something, but I had only used it twice prior as a credit transaction so it's unlikely since they said a pin was used. The withdrawal was for over {$150.00} on XXXX XXXX, 2022.
|
| 01/03/2021 |
Yes |
|
|
|
Web |
Older American |
|
I signed a closing disclosure with Regions Bank but have yet to close. I have been told by XXXX XXXX on XXXX 2020. The date I was suppose to close that the closing was held up because the bond company wanted me to sign the back and front on all the closing estimates documents in the Bank although I had electronically signed them before, and he acknowledged that I had already signed them. I did that and later I learned that this was not something the bond company would request. I also learned noticed there was no signature required on the hard copy so I was told to sign them anywhere on the documents. this may be a way to copy paste my signature on other documents. XXXX XXXX sent out an email stating Regions have never done a XXXX loan and they are having difficulty creating the documents for closing on XX/XX/2020. The closing has been extended several times. I also learned that the home that I have under contract may have been sold by another agent in the same company on XX/XX/XXXX. even though I am still under contract and my loan has been approved. I have documentation of that also. I have yet to close or even given a closing date. This has been going on since. XXXX. I want someone to investigate this ASAP.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX I received an email from Regions bank offering a {$200.00} bonus for new accounts opened by XX/XX/. The terms for earning the bonus were to deposit at least {$2000.00} within 15 days of opening the account and maintain that balance for 60 days.
On XX/XX/2023 I opened a savings account with regions bank. On XX/XX/XXXX I made a deposit of {$2000.00} into the account. I maintained that balance until XX/XX/. According to the terms of email I received, the bonus should have been paid out into the account no later than XX/XX/.
On XX/XX/XXXX I called the customer service number for Regions bank. They stated they could not find my account information and said I would have to visit a branch in person.
On XX/XX/XXXX I again called the customer service number for Regions bank. This time they were able to locate my account information. They stated the deposit I made into the account did not count toward earning the bonus since it was made from a Regions checking account. The email I received on XX/XX/XXXX did not mention that internal transfers wouldn't count towards earning the {$200.00} bonus. I pointed this out to the customer service rep. They did not budge. A copy of this email is attached.
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I received this XXXX Regions Bank offer in mail a while back. According to the offer, I'll earn a {$500.00} bonus if I do 3 things detailed on the mailer ( please see attached ). I have satisfied all the requirements for the promotional offer but never got the {$500.00} bonus.
When I called Regions customer service, I was told since I had a Regions checking account before, I wouldn't be eligible for this offer. However, no where on the mailer mentions that, not even in the terms ( please also refer to the photos ).
When I opened this Regions Bank checking account in the branch over 3 months ago, I double-checked with the banker on this matter. The banker carefully read the entire mailer and confirmed that, even I had Regions checking account closed approximately 1 year ago, I would still qualified for this offer, since the mailer doesn't contain any terms that would exclude me from received the bonus.
I have contacted the Regions several time ( both calling the customer service number and branch where I opened my account ) on this issue but have never received a straight answer. I feel that I am qualified for this offer and it is wrong to treat a customer this way by making up additional " terms ''.
|
| 03/28/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I filed for Chapter XXXX bankruptcy sometime in XX/XX/XXXX and was discharge in XX/XX/XXXX. It took 5 years for the discharge because my bankruptcy lawyer was suspended and went to jail, so I have to finish my Chapter XXXX without the help of a lawyer. I am trying to refinance my home at the moment and it turns out my second mortgage company put a lien on my property without letting me know. I assumed that my second mortgage was XXXX by the bankruptcy court because my second mortgage company stopped sending me bills since the start of my bankruptcy proceedings. It is like it went on " zombie '' account and they hid the statement from me that I still owe them money. After I contacted them to release the lien, they are trying to collect the $ XXXX that I owe on the second mortgage. this put me in a bad position and will not be able to afford the mortgage payments. I am current with my first mortgage and excellent payment schedule. I am XXXX XXXX XXXX and ready to retire and hopefully will be able to file this complaint against my second mortgage company as a violation of Elder Financial Abuse by the second mortgage company. Can you please let me know if you can help me in this situation? Thank you very much.
|
| 11/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a home equity line with Regions bank. I requested to payoff the loan in one lump sum payment and I was given the payoff amount good till XX/XX/2020 but I paid off the loan 5 days early on XX/XX/2020 so I made an overpayment for the interest of those 5 days. I then received a statement from regions bank and on that statement there was a charge of XXXX dollars inactivity fee plus they owe me the overpayment of the interest for -sting the loan 5 days early. I called the bank and asked for a manager who was extremely rude and kept arguing with me and her name is XXXX. Regions bank overcharged me interest and fees for no reason. I paid off the loan but they still charged me XXXX dollars inactivity fee and they did not refund me the XXXX dollars overpayment that I paid them .so Regions Mortgage bank owes me XXXX XXXX dollars of overpayment and fraudulent fees which they called inactivity fees which is ridiculous. I was paying on the account and there is NO inactivity fees to be charged to my loan. I want Regions Bank to refund me XXXX dollars that I overpaid them and to release the lien on my house since I paid off the whole balance and plus an overpayment of XXXX dollars which they should refund it to me
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
There is complaints from me to ya about the regions bank XXXX XXXX XXXX and the redress act that I should have been compensated for in 2013 when I filled the complaints, it envoles regions back giving me the advice to open up as, any account as I can separate each with XXXX XXXX XXXXXXXX dollars and I did just that and a few months later I was receiving insaficiant funds and over draft fees, i had everything taken from, m me XXXX XXXX XXXX dollars is a lot of money to just let b taken and not fight for, I c where regions was made pay consumers back for every thing I proved they did to me but I haven't received my money. This happens in XXXX XXXX Arkansas in 2013 and it involves XXXX XXXX XXXX dollars and me only being issued a now card. When this happened to me my whole identity was taken from me n till this very day I can't get in to anything that is mine due to it being changed and just messed with. I don't like doing any of this on line because I can't trustit, I would rather talk in person not the phone but in person r by mail till this can get resolved. I was told I would live off the intrrset if I opened up 6 accounts each with XXXX XXXX XXXXXXXX, I want to get my response from my complaint in 2013.
|
| 03/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There was a credit account opened in my name on XX/XX/XXXX thru the internet with Regions Bank and was funded by a XXXX $ XXXX XXXX. I originally called Regions Bank and was told actions were being taken to resolve this. A week later I received a card in the mail and called back to ask why I was getting this card if it was a fraudulent account. I was told it was because when I originally called they changed my address to my correct address because it was originally at a Regions Bank somewhere in Alabama that this account was made. I was assured that this account was getting closed and not to worry. I then put a freeze on my credit reports because I was getting numerous inquiries. I then found out the Regions Bank account was then somehow funded by a XXXX $ payday advance. I then went to a local Regions bank to try to resolve in person. That went nowhere and I was told to just resolve it with the credit reporting agency 's. I have tried to dispute this account twice with XXXX and the other 2 agency 's but, Regions Bank keeps verifying this as an accurate account. Please help me. I dont know what to do. Noone at this bank is helping me and trying to get this resolved with the credit bureau 's is impossible.
|
| 12/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
I received a letter addressed to me from Regions Bank at my home address regarding a debit of XXXX against checking account number XXXX on XX/XX/2021. The debit was taken to satisfy debt in the amount of XXXX due and owing by one of the owners of the account on another account with Regions bank. I went into a local Regions bank branch and spoke with Branch Manager XXXX XXXX in the XXXX GA branch at XXXX XXXX XXXX XXXX. He stated that there were two checking accounts and two savings accounts opened in my name using my actual social security number and date of birth and address. The email used was not my email " XXXX '' and a name of " XXXX XXXX '' was also listed on the account. There was activity of deposits from " XXXX '' of XXXX with serial number XXXX on XX/XX/2021. There were payments to XXXX of XXXX in my name with a trace # XXXX on XX/XX/2021 and customer id of XXXX. There was an XXXX payment to XXXX XXXX Customer ID XXXX on XX/XX/XXXX, XXXXRegions has red flagged the bank accounts and I have emailed XXXX, XXXX, and in the process of getting a PIN number from IRS for my tax filing. My office number is XXXX and email is XXXX. I have filed a police report with the XXXX XXXX XXXX XXXX case number XXXX
|
| 09/22/2016 |
Yes |
|
|
|
Web |
|
|
I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2023 I wrote a check for estimated taxes to the GA Department of Revenue in the amount of {$1600.00}. In XXXX of XXXX I discovered that the check was never applied to the payment account with the Department of Revenue and I uncovered that the check written had been stolen from the US Mail and had been signed over to a person named XXXX XXXX with my forged signature below. A XXXX XXXX XXXXXXXX branch honored this forgery and cashed the check to this person. My bank, Region Bank, debited my account and paid the funds.
I have filed multiple claims with Regions Bank beginning in XX/XX/2023 and on XX/XX/2023 I was informed that Regions would not be able to refund the stolen amount unless the Department of Revenue files case with them. The Department of Revenue will not be able to do this nor should they need to do this.
The fraud and theft happened to me and my account NOT the Department of Revenue.
All past checks written to the Department of Revenue are clearly marked with a stamp indicating the funds are deposited by the Department of Revenue.
This is a clear case of someone fraudulently signing over a check not made out to them and a bank honoring it and deducting funds from my account.
|
| 04/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
XX/XX/XXXX and XX/XX/XXXX money was taken out of our checking account to an. we contacted the bank they told us it was for the housing insurance because our insurance company dropped our coverage. We followed up several times with the bank and contacted the XXXX department. We were told by the XXXX department they do not remove funds from your account but add any fees or charges to the end of your mortgage. In XXXX we decided to pay off our mortgage and found out that we had to pay an additional {$3100.00} in order to complete the mortgage. When we contacted the XXXX department and told them the full story they reiterated that they do not take the money out from your account but add it to the end and that is why we had to pay the extra {$3100.00}. Now when we contact the bank they tell us that they can not find out why or where the money went to. We've been on the phone and at the branch talking to every possible department. we sent information via fax and other documents to the main branch, at times they said they did not receive that information, And they had no further ability to help, and as of today they told us they are unable to help us., so this is why we decided to contact the FTC XXXX
|
| 08/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I work for XXXX XXXX XXXX , XXXX. They have missed the last FOUR pay roll dates with the TN branch. As a result, I went to Regions bank to close my account today to avoid nsf fees from auto drafts. They told me that they can't close my account because it needs to be inactive for 30 days FOR THE CREDITORS ( not the consumer! ) She said, " if I close your account and someone ACH debits an auto draft from your closed account, it will force the account back open and you will still owe the bill plus the NSF fees on the closed account. Meaning, it won't really stay closed. '' That is complete XXXX XXXX. Now, I am going to cave and maybe file another bankruptcy if the ceiling falls in on me for the NSF fees from all my bounced debits in an account regions refuses to close bc they favor the creditors not the consumer. Please help CFPB to change banking laws/rules such as this one!!!! I don't know why XXXX XXXX of XXXX XXXX XXXX can not make pay roll on time ; but, Regions shouldn't allow me to be financially devastated any further due to XXXX 's short falls. This isn't right. It's bad enough I'm eating sandwiches and 2 weeks away from eviction ; now my own bank is against me, too. This is overwhelming
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
When filing my taxes before XX/XX/XXXX and reviewing my income and expenses in the Regions bank statements for the year XXXX, I realized that in the month of XXXX and the first days of XXXX the amount of {$9300.00} has been withdrawn from me in three electronic withdrawals.
Under the statement XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} At that time, I was diagnosed with XXXX, and I am still XXXX XXXX so I neglected myself. You have your money in a Bank to be banked and taken care of as a basic principle.
I submitted a claim to the bank, which I attach, and I also attach their response and another letter from the bank indicating the number of the outgoing transactions and with which they entered the unit that took the money.
There is no doubt that this has been carried out within the bank or in the offices of the city of XXXX, a third alternative, a hacker, which would leave something to be desired regarding bank controls.
I Also have been at the office of the XXXX XXXX tax collection where they indicated that they didnt did those charges, and they dont withdraw directly.
Also, I put a claim at the police office of the XXXX XXXX XXXX
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I am have been a customer of Regions bank since XXXX. The bank has been charging me an analysis fee for the pass seven year for a service that I was not receiving. XX/XX/XXXX the fee was {$15.00} per month. XX/XX/XXXX the fee has increased to {$40.00} per month.
I went into my local branch and talk to the branch manager. He told me the bank no longer provides this serves and he would put in a ticket concerning the monies withdraw from my account. The branch manager called me the following week with an update. He stated my account would not be charged an analysis fee any more and that the bank would be refunding me the last three months of the fee that were charged to my business account.
On XX/XX/XXXX I sent the branch manager an email. Explaining my concerns of being charged the last seven years a fee for a service I was not receiving and I did not think it was fair for the bank to only refund me for three months. I receive no response to my email so I sent another one on XX/XX/XXXX still no response.
I am a small minority business owner that was blessed to keep my business opened after the challenging times of the pandemic. Your assistance with this matter will be greatly appreciated.
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
Opened Checking account with Regions Bank XX/XX/XXXX. Had recieved an incentive if opened new account and kept {$1000.00} balance for a certian time I would recieve a {$400.00} bonus/ incentive. I have a mortgage account with Regions all has gone well with that account. The checking accout was opened with the help on a phone call, due to glitches in the Regions system. There should be a recording of this. Also to ensure the {$400.00} incentive would be applied.
I have followed up with Regions several times, told to be patient and look for the deposit of {$400.00} and the end of XXXX. I called again, now being told the " online " banking for my account did not show being activated, was told on a phone conversation with customer service, this prevented the " auto tracker '' to track my account and make the deposit of the {$400.00} incentive. I was on the phone a length of time with Regions setting up the account and setting up the online banking due to the fact by the branch here in XXXX to initially set up the account and was told they were too busy and could not set up an appt. on that day being XX/XX/XXXX.
I petition to recieve the {$400.00} incentive to the account as soon as possible.
|
| 03/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Last year in XXXX or XXXX, I took a vacation to XXXX XXXX. While there, my debit card was compromised around {$1700.00}. I contacted the bank as soon as i was aware, made a claim, and they then stopped and issued me a new debit card. After months of trying to get my money back, the bank denied the claim stating that it could not have been fraud use because the card was swiped and the chip ( and/or ), my PIN number was used. The transactions that were placed were no where near XXXX where I was staying, and yet, they still denied the claim. Last week, I noticed where some travel agency ( appears to be the same people that committed the fraud last year did it once again, but this time only charged my debit card {$99.00} 2 times. I was told I would receive an email and a phone about my claim and complaint about last years claim as well as the current one, and I still have not received either. This is only 4th fraud claim in 10 years, and they have denied everyone of them. I tired pulling my money out of my account in order to open a new account with a different bank, but was told I was not allowed until the claim has been fully investigated and the claims department has made a claims decision.
|
| 06/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
There were XXXX incidents to report, all caused by Regions Bank in XXXX FL 1. On XXXX XXXX, the bank cashed an altered check for an unauthorized payee for {$700.00}. The original payee did not complain about not being paid until XX/XX/2019.
2. On XX/XX/2019, there were transfers of cash from two different accounts we own into two new accounts set up without our authorization. The profile information on those accounts were altered, including phone number and email contact info. We complained as soon as we noticed the transfers ( the next day ) and our accounts were frozen and we were locked out of any access to those accounts, including information on checks cashed.
We requested information on all three of these transactions, including where the {$700.00} was transferred to, and we were told that they could not give us any of that information. They refused to reimburse us for the {$700.00} they sent out of our account for a fraudulently altered check. We can not follow up on recovering money from the perpetrator because they refuse to give us any information.
We believe the false new accounts were set up by a Regions employee.
We want Regions to reimburse us for the fraudulent check.
|
| 05/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
i went to XXXX XXXX on XX/XX/2021 i had appointment for XXXX XXXX and the exam was rushed and i told them they said my XXXX needed to adjust i bought frames under my insurance and had to pay for lenses with card a week later i got my glasses and they were blurry and could not see out of them i told them they told me to give it a week which i new was a lie just to get me out the door because they were packed i called up there and told them what happen and they told me that they would redo the XXXX XXXX and troubleshoot but she was acting like i was going to have to pay for lenses again she just didn't want to say it i told them i would return them and they could charge the insurance for the frames but i wanted a refund for the lenses they said no and i recorded the phone call to so i went to my bank and told them and they filed a charge back for not providing services i paid for and they put the money back in my account and 45 days later i get a letter saying this was overturned do to merchant submitting a copy of the charge which has nothing to do with the services i was not provided i feel this is wrong that a business can XXXX me over like this and my bank whats to side with them.
|
| 12/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved.
I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.
|
| 02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
Regions Bank has repeatedly placed a multi-day Hold on my VISA Business Credit Card 's amount of Credit AFTER payment of the Statement Balance has transferred to Regions Bank. Most recently a 7-Day Hold was placed on the VISA card 's Credit between payment on XX/XX/XXXX XXXX through XX/XX/XXXX. I presented proofs of transfer as of XX/XX/XXXX from the XXXX XXXX of full Statement Balance payment of {$4900.00} to the Regions Bank local Branch and to Regions Bank online customer service. Regions Bank employees were sympathetic, but their superiors in the upper offices of Regions Bank would not lift the Hold. The Hold lasted till XX/XX/XXXX. It caused many problems for my wife 's and my XXXX XXXX XXXX XXXX XXXX
Regions Bank had placed a similiar, irrational Hold on funds the previous XXXX.
I think this Bank 's practice of such Holds might be akin to Regions Bank 's misrepresentaton of customers ' account-balances and hence R B 's collection of Overdraft Fees. Compliments to the CFPB for twice catching Regions and compelling the XXXX {$56.00} million and XXXX {$190.00} millions penalties. Please call if any more information is wanted.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX mobile
|
| 04/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
From XXXX - 22 fraudulent transactions were drawn from my account.
On XX/XX/XXXX I filed a claim to dispute these transactions with extensive documentation.
I was told repeatedly that " someone will call you back '' when calling over the next 4 months to try and figure out what the status of the claim was.
No one ever spoke with me.
On XX/XX/XXXX I spoke with an associate at a local bank branch, who acknowledged that NOTHING ever occurred with my claim.
I was provided a provisional credit for the disputed transactions with the reassurance that the case was now being " properly dealt with. '' That provisional credit was removed from my account this morning with no explanation as to the status of my claim or status of the case.
The bank is now claiming that over 50 pages of documentation containing personal and financial information I sent several times, proving my case has been lost or never received.
Today alone I have been on the phone with the bank for four hours being constantly transferred between departments who either " don't see that the claim exists '' or " can not find the case '' or flatly hanging up because they don't want to deal with resolving the issue.
|
| 10/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was trying to close my Regions Savings account and initiated a transfer to my XXXX savings account on XXXX XXXX. There was a {$3.00} to transfer which was fine. I had {$1600.00} in my savings to transfer and the {$3.00} fee should have brought the total transfer amount to {$1600.00}. However Regions then denied the transfer request after sending an email saying the funds were transfered and would show up in my XXXX account within a day. Regions then proceeded to send me an email saying, " Unfortunately, we could not complete your transfer request. The account provider has indicated problems with processing your request. '' They then deducted {$39.00} as a " return '' fee when the money never left the account. After this they tried to do the already not working transfer again, deny it, and deduct another {$39.00}. They were about to do it again when I called, froze the account and demanded it be shut down. They said they would not be refunded me the {$78.00} that they deducted. I am at a loss and not sure what to do from here. I was fine with the understandable {$3.00} transfer fee but am confused why they charged {$39.00} as a return fee when the money never left the account.
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2020 I was at work and I received an alert from regions via text message regarding Unauthorized transactions. In receiving the text message it asked me did I authorized usage and I responded I did not immediately. After texting No, It stated it would call me within 30 minutes. I could not wait, and called immediately. Waiting 10-15 minutes I was able to get an agent who told me to call back once the transactions have posted on Monday. I checked my account all day Monday and nothing posted. I called back on Tuesday XX/XX/2020 and spoke with an agent who opened a claim by claim number XXXX in the amount of {$1000.00}. I received an letter in the mail with little to no information stating my claim was denied. There is no way no one could have accessed my card pin number the agent stated this was not done using a pin. I only use this card for online purchased and automatic credit card payments! MY PURSE WAS STOLEN WHILE I WAS AT WORK CALLED AS SOON AS I WAS NOTIFIED.!! THEY SHOULD SEE THIS CALLED TO SPEAK WITH A SUPERVISOR AND I HAVE BEEN HUNG UP ON TWICE WITH THIS BANK. NO SUPERVISOR EVER CAME TO THE LINE CUSTOMER OF 5 YEARS PREVIOUS ISSUES NO ISSUES PREVIOUSLY LIKE THIS
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/23 my Regions account was put on hold due to fraud prevention. I was told that I would hear something back in a couple of days concerning the incident. I never heard anything back. I called the bank back 10 days later. Giving time for everything to be resolved and I was told that the account would be closed but there was nothing in the system stating when. On XX/XX/23 I reached back out the Regions bank about the account, because I am in need of some type of verification that this account is not valid in order to receive benefits. I was told that I would receive a call back on XX/XX/23 which I did but I they were not able to give me anything. I asked how long this process will take because I am really in need of something stating that this account would be closed and the money in the account is not accessible to me. I was given no answer. I have done nothing but cooperate with the bank the whole time. It's really horrible that they will not close the account or give me the verification that is need in order for my family to receive benefits. There should be a time limit on investigating fraud. My family should not have to suffer over an issue I had nothing to do with.
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
Regions Bank 2023 XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX. Register at regions.comXXXX using your personal code XXXX by XX/XX/2023 XXXX. Open a new personal LifeGreen Preferred checking account between XX/XX/2023 and XX/XX/2023 XXXX. Enroll in Online Banking within 30 days of account opening 4. Make {$1000.00} or more of total deposits transactions that post within 30 days of account opening *Exclusion ( document attached ) - " When the credit is issued, new account must be open and have a positive balance '' ISSUE :- With criteria achieved above, the bonus was scheduled to deposit BY XX/XX/XXXX as stated on the Regions Offer Tracker. My checking account hit a {$0.00} balance which triggered an internal logic that rendered the bonus " Excluded '' and transitioned the account into a " soft close '' even though funds we're placed back into the account within 5 days.
- The exclusions do not state that a {$0.00} balance also makes the offer ineligible and does not supply a definition of " positive balance ''.
- The exclusion states " When the credit is issued '', is impossible to determine when the credit will be exactly issued due to only stating a projecting date.
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
REGIONS BANK!!! On XX/XX/XXXX I got fraud alerts that someone in XXXX Florida was using my card. I am located in XXXX Missouri. The bank called and we took care of my account and started to dispute the XXXX transactions on my account. There were XXXX for XXXX, XXXX for XXXX and XXXX for XXXX all in a row at a XXXX XXXX in Florida. I told them those were not me but the money already came out of my account. {$370.00} is all the money they took from my account. I disputed and they denied becaise my card was present and pin was used and then stated it could have been contactless pay. They have refused to give me my money back when clearly I didnt make those transactions when I was in XXXX Mo XXXX I have the card in my possession, Ive never given my information out to anyone ever, and I can prove I was in XXXX Mo at the time they tried. I want my money back. I have gotten my claim denied twice and told to make a police report which Im doing tonight, its one thing after another. I didnt authorize those transactions and they are refusing to give my money back. No one should of had my information at all!
Attached is all the transactions at the XXXX XXXX in Florida and the store.
|
| 01/27/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX at XXXX in the afternoon I was at my job at XXXX XXXX XXXX Tx, I was withdrawn without my authorization and having the card in my possession XXXX transactions each for {$400.00} for a total of {$810.00}. XXXX, immediately upon seeing the messages on my phone I proceeded to call the COMDATA customer service line to report the theft and request the blocking of the card XXXX, on XX/XX/XXXX I received a letter informing me that they will not return the money because there is not enough evidence, immediately I wrote an email to the same sender XXXX XXXX XXXX of Comdata ( XXXX ) with a copy to the fraud email ( XXXX ) giving my version and exposing my disagreement with the response. On XX/XX/XXXX I received an email from the same XXXX XXXX XXXX informing me that they have already approved the refund of my money in XXXX to XXXX working days, it has been XXXX working days and they have not given me an answer, every day I send him emails and call the phone line informing what happened, the case number is XXXX. Please, this money is the fruit of my hard and honest work. I am asking the XXXX to please intercede and give me a greeting. Thank you very much XXXX XXXX XXXX
|
| 06/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.
|
| 05/04/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
My car loan was due on XXXX XXXX with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer Service Dept , ( XXXX ) XXXX about " courtesy calls '' made during the grace period during work hours of XXXX to XXXX . I typically am back in town and make the payment before the end of the grace period. Today XXXX / XXXX / XXXX , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the Regions Branch office and paid {$320.00} on my loan which is typically {$310.00} and some change.
|
| 01/20/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Deposit to regions bank XX/XX/XXXX of {$19000.00} Bank then sends us a letter that letter stating that they are holding the funds for more than 7 days - they are holding for 10 days because they have an anonymous source that states the funds may not be paid I called client who gave me funds and she said money was taken out the same day and that her bank XXXX XXXX XXXX states that Regions Bank had the money within 3 days which is prior to the date they sent me the letter.
Funds were paid but the bank is sending letters of lies in order to keep funds longer so they can use them. Plus they are making the statement that the other party may not honor their check!
Deposit into regions bank XX/XX/XXXX of {$74000.00} Bank sends us an email that they must hold the funds longer than 5-7 days because they have yet an anonymous source that states the funds may not be paid This check if from our XXXX XXXX XXXX. I have no doubt that the check will be paid and again Regions has put another lie in order to use our money for a longer period of time.
I can not be the only person who is being fed a series of lies in order for them to use our money ... they need to be reprimanded ...
|
| 08/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Last weekend I went to visit my wife and child in VA. While I was there I rented a car. The rental company put a " hold '' on {$100.00} in my bank account. I had the car from late Friday night ( XXXX ) until early Monday morning ( XXXX ). Over the weekend I used my debit card several times for smaller items, most under {$10.00}. On Monday when I returned the car, the company put all the money back in the account except for {$37.00}. On Monday and the Tuesday following, I was hit with several overdraft charges even though when the charges came through there was money in the bank to cover the purchases. In total I was hit with XXXX overdraft charges totaling {$280.00} even though when the bills hit my account there was money in my account to cover the debits.
The bank 's justification for charging me the overdrafts was that at the moment the card was ran the money was n't in the account.
My question is how is it legal for the bank to charge overdrafts on me when there is money in the account when the debit comes in? I just want to be clear, there was no check deposit or anything like that, it was just a release of money the car rental was not using back into my account.
|
| 11/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I signed up for this Regions account specifically because they were offering a {$200.00} sign up bonus and they are currently still offering this bonus for new sign ups. I read the terms & conditions and made sure to follow them. They delayed shipment of my debit card for nearly 8 weeks, whether that is their fault or the XXXX is impossible for me to know. What I do know is I activated the debit card the very same day I received it and used it the required number of times to make sure I fulfilled the bonus requirements.
I sent a secure message to Regions asking when to expect my promotional offer to be credited to my account and they said I failed to meet the debit card requirements. I sent another message explaining the delayed delivery of the debit card and they disabled secure messaging on my account and refused to respond.
I do not understand the point of false advertising to get me to sign up for a bank account and then creating poor relations with me to not want to bank with Regions any longer instead of treating me fairly and possibly creating a life long banking relationship. They are using deceptive advertising to get people to sign up for bank accounts.
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I wrote alot and it got erased please call me so I can explain. Omg I can't believe this.
Has to do with XXXX XXXX college..alot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back XXXX was a XXXX. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write.
Regions bank account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit.
I was on a XXXX bank account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too.
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2020 I attempted to make a cash depose at a regions ATM at XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX, aroundthe XXXX XXXX.
I tried to deposit the cash, {$400.00}, XXXX my checking account. The machine spit back XXXX, the machine continued to act like it was going to return my money. It didn't give it back, but it then said report to your financial institution the error. I then drive to the bank next door at 5 minutes till XXXX XXXX. I called the lobby number on the door let it ring for a solid 3 minutes. There was no answering service and no one picked up.so I drive to the drive thru, where the atm is located. And reported the incident.where I was told it's Not their atm and it will be Next week before they decide if any extra money in the atm is mine. Totaling XXXX.
She alsosaid it Will take another week to have it investigated, and then I'll get a letter in the mail to let me know if I am owed My own money. Then I will have returns to me.
I feel like. It should not take up to a month to get my money their banks atm ate.i also think they should have immediately watched the video or checked to see if I was indeed trying to make a deposit. This is ridiculous.
|
| 08/11/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
I attempted to transfer money from my Regions account to my XXXX account using XXXX on XX/XX/XXXX, under the impression that the funds would be available same day. After submitting the transfer, I was informed by Regions ' mobile app that the funds would not be available until next day ( XX/XX/XXXX ). After reading Regions Account Agreement, the only exception for the funds not being available same-day ( other than for suspicious activity ) is if the Receiver has not enrolled in XXXX. The receiving account XXXX XXXX XXXX has been enrolled in XXXX for a while, and funds have been transferred to and from this account previously.
I called Regions at XXXX and spoke with XXXX who explained that Regions does not dictate the processing times for XXXX transfers, but XXXX does. Is this true?
I am wanting to know the reason as to why the funds are not being sent, to be available, immediately ; as Regions is holding the funds. This has caused a huge inconvenience and if I would have known the processing time ; I would have found another means to transfer the money. The notification of when the funds will be available should be displayed before the transfer is initiated.
|
| 05/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have a mortgage with Regions Bank that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The Regions account was not included in his bankruptcy. I did not file bankruptcy and never have. Regions Bank has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. Regions has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at Regions and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need Regions to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.
|
| 09/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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|
I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you
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| 07/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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On XX/XX/XXXX my account overdrawn by {$10.00} due to a XXXX charge. I did not notice my account was low on funds. Through XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there were additional purchases made on my behalf. XXXX door dash {$26.00} which I believe was double charged. XX/XX/XXXX {$100.00} from XXXX XXXX. XX/XX/XXXX {$28.00} from door dash. Then on XX/XX/XXXX and XX/XX/XXXX no purchases were made but, I was charged {$36.00} for both days. In total I have been charged {$36.00} in overdraft fees daily. Which has my account in negative - {$370.00} as of XX/XX/XXXX. I reached out to Regions bank today regarding these daily fees which has accumulated to {$180.00} total in just a matter of days. I was sent to a supervisor who was unable to help and stated I had to pay these fees. After searching online I noticed Regions Bank had previously had a class action lawsuit where theyd owed millions to members due to their overdraft policies which no other bank charges these outrageous fees. XXXX XXXX I spoke to him on XX/XX/XXXX he was extremely rude and wouldnt provide me with my account number or give me his badge/ID number so that I could submit this complaint properly.
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| 01/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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My mortgage company did not mail me a statement for the month of XXXX ( payment due XXXX 2016 ). I tried to make a payment at their online website and successfully registered my account. When i tried to log on their system would not allow access to my account ( even though I had successfully registered ). I called and was told i needed a reset password. So i was provided one by their rep. But i still could not log on so I called back. Another rep informed me that i could not access the online website due to my Bankruptcy. I told her I had not received my statement and that I needed to make a payment. She said they would not be mailing me anymore monthly statements and that I could not make a payment online due to the bankruptcy. i asked her why not and that I needed to make a payment and she said it was due to my filing Bankruptcy. I asked her why and all she kept repeating was that it was due to Bankruptcy. I asked how can i make payment and she finally said she could accept payment over the phone. I agreed as long as no further charges are assessed for making the payment over the phone. And she said she could send me a coupon book which I agreed to.
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| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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|
I stated that inaccurate late payments are being furnished on my report that needs to be removed. Per my request the information came back as : Meets FCRA requirements and has not been removed. HOWEVER, THE FOLLOWING INFORMATION IS IN VIOLATION OF 15 USC 6802 OF THE GLBA. MY NON-PUBLIC PERSONAL INFORMATION IS BEING FURNISHED TO NON-AFFILIATED THIRD PARTIES IN WHICH I NEVER GAVE LAWFUL CONSENT TO DO. As a result, this information being reported ruined my financial reputation and is in violation of 18 USC 894 of using unlawful extortionate means in which you can be held criminally liable for 20 years. These late payments need to be removed immediately as this is a breach of my privacy. Nothing under the FCRA requires the furnisher to furnish any negative information about me so furthermore, I am requesting the name of the person who verified this information was accurate as if they have lawful authority to do so as well as their telephone number and address. This is my last attempt to settle this matter before taking legal action for willful non-compliance for not following reasonable procedures in making my report fair and equitable to me the consumer
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| 05/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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Mainly charges for overdraft fees or NSF OD fee for atm and check card transaction that I'm not opted into or enrolled in. I can give more details in phone interview but the latest as of today cost me {$130.00}. 4 NSF fees of {$36.00} each because of Regions paying charges from online debits to my Check card when I have specifically opted out and even asked a representative to place in my account a note that in the event of insufficient fund do not pay and then charge me the od fee as I cant afford it. Yesterday I spoke with the Branch Manager at the local regions in XXXX. GA and XXXX I believe is his name specifically told me he wish he could help but he can't even after I read him the policy saying that if I was not opted in then I would not be charged. I just sat back in his chair and laughed. I have sent emails to regions to no avail.
Also, if I deposit money it becomes immediately available for me to use but if I do the next day Regions will post debits to overdraft account the charge a fee then post deposit. Even to where you can see a positive balance then a NSF OD FEE to put account in negative so the next transaction causes another of fee.
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
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Web |
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On XX/XX/2020 I checked my balance and transactions. My available balance was approximately XXXX, I purchased a part at XXXX for {$100.00} at XXXX XXXX on XX/XX/2020. On XX/XX/2020 I checked my account and there was a charge from XXXX for {$6.00} that had been purchased on XX/XX/2020. The XXXX purchased was moved to XX/XX/XXXX and an over draft of XXXX was charged on XX/XX/XXXX. I contacted the bank and XXXX said he would bring it to his manager. Then on XX/XX/2020 Ichecked my account and there was another overdraft charged. I called the bank and spoke to XXXX ( who identified herself as branch manager ) she apologized for not returning my call in timely manner. I attempted to explain to her what was wrong and she said she could not refund the charges and I need to understand how bank accounts work. She tried to tell me that the XXXX charge caused an overdraft before the XXXX charge came in. At that time I had XXXX something in the account ( so no overdraft ) but I was charged one. The next day because they moved the purchase to the next day they charged me another XXXX overdraft.
I can do math and there is absolutely no way there was 2 overdrafts!
|
| 08/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
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I received a promotional flyer from Regions Financial Corporation in XX/XX/2021 stating I could open a new checking account and receive a {$500.00} bonus if I met the qualifying criteria, including a ) enrolling in online banking and b ) making 10 or more purchases with the account debit card, both within 30 days of account opening.
I opened the account and then waited approximately 3 weeks to receive the debit card. From there I made 10 purchases, but the last 3 transactions were held in 'Pending ' status for a number of days, and only processed once the 30 day deadline was past. According to Regions this meant I did not meet the qualifying criteria and the bonus was denied.
This feels intentionally unfair and deceptive - by not a ) providing the debit card in a timely fashion and b ) seemingly manipulating the processing date of transactions ( to Regions benefit ) it seems impossible to actually qualify for and receive the promised bonus.
I made a complaint to Regions that this practice seemed purposefully unfair and deceptive and have received no response. I also closed my account to avoid receiving further fees associated with the product.
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| 06/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
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Web |
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During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.
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| 01/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
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Web |
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Early last year, I got behind on the personal loan I had with Regions. I have made multiple payment over the past few months to get caught up. I spoke with one of their reps who told I me that I owed {$340.00} when my account stated I owed {$100.00}. When I stated that the amount owed was wrong, the rep explained that the difference was from late charges and that they show on the statement. I told the rep that I have never saw these late fees before and that none of the previous reps that called when I was late never stated that amount, just the what was owed on the loan. Also I stated that I never received any statements and that I only used and opted in for online access only. I asked for the rep to send me the paper statement so I could see the charges. I was charged {$35.00} late fee even in months I made payments. I now have three times as much in late fees than what is owed on the loan. I spoke with a customer service supervisor about the situation who stated that they could only remove one of the {$35.00} fees. I understand a late fee but owing three times as much in late fees is ridiculous and unreasonable on top of being charged interest.
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| 02/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I'm actually having problems with two bill collectors-Regions Bank and XXXX ( located in XXXX, AZ ). Since the new XXXX XXXX XXXX was appointed there has been an approximate 2 week delay in mail delivery. These 2 institutions are claiming they did not get the payments for the past 2 months, despite my bank saying they received the payments. I've tried to get both of these institutions to provide me bank with the ACH routing numbers and they refuse to, but insist on charging late fees, which I have told them I will not pay. I know, of course, they will likely report it to the credit bureaus, causing my credit score to go down, resulting in higher interest rates. Please help the consumers by requiring all financial institutions to use the postmark date as the payment date to stop the unfair practice of claiming they did not receive the payments and charging late fees. We should not have to pay for the post offices ' failure to deliver mail in a reasonable time. Two weeks is entirely tool long for a letter to be delivered when the payment can be driven to the payment certer within 2-3 days if they delivered it themselves.
Thank you, XXXX XXXX XXXX
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| 07/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why?
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft.
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it.
Something needs to be done. I am very frustrated.
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| 08/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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Region 's support has tricked me out of my money by lying to be during dispute process over a fraudulent charge!
When I initially called I inflormed I did not have access to a printer and it might be a few weeks before I was by a local branch of theirs to be able to do it in person.They told me that would be alriight and to not rush. Weeks later I received a letter telling me they disaproved my claim because I did not fill out and send the paperwork! They lied to me, and when I called to try and remidy the situation they lied to me again!
The supervisor told me I could still file the paperwork. A week later I received a ride to a branch. The staff there said what the supervisor on their support number said was untrue, for they could not file it. I was stuck there for almost two hours as she tried to resubmit it.
Since then every time I have spoken to a staff at Regions about this issue they have not been able to find the dispute, as if the employee at the branch was not successful at resubmitting it!
They bait a swoicched me! They tricked me into not being able to sumbit their paper in order to cheat me! And they have ignored me since!!!
|
| 09/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We pay into an escrow account for taxes and insurance. Our lender and their tax escrow company constantly pay our real estate taxes late incurring penalty. We get notified by the County the taxes were not paid via a late notice saying our taxes will be sold for for nonpayment. The lender servicing our loan Regions Mortgage will not take any calls. Only e-mail which they do not respond to or submissions via their public facing servicing portal. For the last 2 years we have had to constantly submit past due notices to them via their portal. They only pay the taxes after we contact them to pay it and submit the late notice to them via their portal proving they never paid it. What we recently learned is that Regions XXXX XXXX XXXX provider XXXX is not paying the taxes on time. We pay our mortgage on time, they have teh money in the escrow account, they need to pay our taxes on time. Both Regions and XXXX are in violation of teh escrow agreement we had to sign. Constantly paying late and then paying the applicable late fees is not an acceptable practice. It is just a matter of time before something goes wrong and our taxes get sold at a tax sale.
|
| 08/26/2015 |
Yes |
- Bank account or service
- Checking account
|
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|
Web |
|
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I wrote XXXX checks from my credit union checking account to deposit into my Regions Checking account. Both checks cleared my credit union account with the amount deducted the next business day. Regions has almost XXXX week later now held these funds for fraud monitoring till next month even though they have received these funds. They claim a confidential source has indicated that the checks may not clear. They have also retroactively returned ACH payments from different merchants and banks well after they were approved. I contacted the local branch in my city who said that only the branch where the account was opened, which is out of state, could assist. Regions has received an almost {$20000.00} interest free loan from me, is holding our money without any ability to access it, creating return check fees to our credit card and auto loan institutions and damaging our internal ratings, and insulted us with a claim of confidential information of non-payment. This claim is patently false as the account the check is drawn from is my own and my credit union has already sent them the funds. I believe this claim is used as an unsubstantiated excuse.
|
| 12/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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On XXXX XXXX Regions Bank decided to close both of my business accounts. I have been banking with Regions for almost 5 years. I received a letter shortly after the XXXX notifying me of the account closure, but it didn't specify a reason. It stated in the letter that I should receive a cashier 's check within XXXX days of the remaining funds from both accounts. It has now been well over a month since account closure. I have called and spoken with customer service on two occasions, and they said the check was mailed and that I should've received it any day. I was advised by a phone rep to visit the branch at XXXX XXXX XXXX XXXX TN and I've dealt with customer service rep XXXX and his XXXX XXXX and was told that I had to wait 30 days in order for them to cancel the previously issued check and reissue in person. When XX/XX/XXXX approach I called XXXX and he advised me to come up there and it should be ready, so I visited the branch on XX/XX/XXXX and was told they still weren't able to reissue my checks and that they will send escalate my case and I should here from someone Monday XXXX. I haven't received an update, and this is well over a month.
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I deposited a check from my home owners insurance and was told by the bank teller that it would be a 7 day hold. After the 2nd hold day, I received an email and letter stating that the check needed another endorsement from my mortgage company. I went to the bank spoke with the teller, she refused to give me the check so I called the insurance company to cancel the check. The insurance company stated that they could not cancel because the check had already been cashed. The bank then said they would place a 14 day hold, then a 30 day hold. On XX/XX/XXXX, the teller from the bank informed me that the funds were returned to the insurance company. After calling the insurance company to check on the funds several times, we recognized that the funds were never returned. On XX/XX/XXXX, the insurance company submitted an affidavit to recover the funds from the bank. On XX/XX/XXXX, the bank placed the funds in my account and I began to use the funds for my home repairs. Then, on XX/XX/XXXX they removed the funds. I called to ask why, and they don't give me an answer. One customer service rep stated that the funds could not be verified.
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with Regions Mortgage. I wanted forced placed flood insurance because it was almost {$700.00} cheaper than what my policy was going to be. I got XXXX notices that this would happen if they did not receive my flood insurance from the current insurance company. I called Regions customer service on XX/XX/30 talked with " XXXX '' and he said he would make a notation in the system about this and for them to use the forced placed insurance of {$220.00} ( shown on form sent to me by Regions ). I had just recently did this on another property we own with forced placed since it was so much cheaper with no issues. Got a letter on XXXX stating they paid the other policy. I can not cancel it per FEMA guidelines unless I have another policy to show it is in force, which Regions say they can not do. I talked with XXXX XXXX (? ) and left numerous messages and he finally called me back. He got XXXX XXXX involved and said at this point there was nothing they could do and they apologized for the person not notating it correctly in their system. I have asked for this to be escalated further as this is costing me an extra {$700.00} this year.
|
| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
1- withdrew {$20.00} 2- went to redeposit {$20.00} 3- atm could not process the transaction AND DID NOT PRINT RECEIPT OR RETURN {$20.00}. 4- approached branch and they stated they would put a claim in but never did. 5- asked for manager to meet me at machine- waited 30 minutes no manager. Branch did Nada, Zero nothing. Called Regions help allegedly agent opened compliant- checked on line and entered secured message 6- Opened complaint with regulatory agency! 7- Did followup Friday. NO secure messages, no redeposit of funds, nothing on file or in notes from them. 7- Allegedly all calls recorded and monitored NOTHING another LIE! 8- opened 3 new secure messages. 8 Allegedly agent opened another inquiry wait another 3 days more. Stated all calls recorded. Now ATM an agent of theirs dispensing or receiving deposits. Customers are at the mercy of the machine. In my opinion nothing from you or them. I expect nothing because this is a scheme. However, if you are the honorable company and organization you claim to be I expect my {$20.00} back. This is elderly abuse at its max since they infer I am the thief! 14 Regions XXXX XXXX {$20.00} {$380.00}
|
| 08/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My escrow analysis has typically been performed every XXXX. My mortgage company, Regions, is claiming they did a company wide escrow analysis in XXXX which caused mortgage payments to increase based on a projected amount that can't be confirmed or changed until XXXX XXXX. The escorw analyis was done 6 months earlier than it should have been and is increasing payment based on a projected amount that is not accurate. My escorw is not currently negative and will not be negative when the normal analysis is due in XXXX. Further, I have made extra payments into escorw each month to insure the escorw is not negative.
The mortgage company is basically increasing payments to guarentee people go into default to force them into loan modifications at the current interest rate. There is no reason to increase payments before the escorw analysis is due, especially when, after the analysis was done early, the escrow is not negative.
The mortgage company also told me that if I continue to pay the old mortgage payments they will put me into default, although interest and principal will be paid and it is still adding to the surplus already in my escorw.
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I notice around XXXX that my joint checking account at Regions Bank was overdrawn from an automated bill payment. So I transferred XXXX to cover the negative balance, something I have done several times before at this bank ( we will come back to this ) and others. The next day I see on my app the transfer is pending something that I didn't understand. Another bank XXXX transfer several XXXX dollars around XXXX, the same day I notice the XXXX in Regions pending, and it was in the account ready to go. Something very important to mention I call this morning and was able to get them to return my money after intense conversation. One of her excused was I needed to do it before XXXX but I explained to her I done while still at work around XXXX, then it was a new excuse.
So I making this complaint because this is not the first time Regions done this to me before, and I know they was in court for charging overdraft charges not long ago. Hopefully not but they MIGHT STILL be up to old habits. With that said I expected some refunds from Regions because they have done this to me in the past, but never received anything.
Thanks, for hearing me out
|
| 07/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American, Servicemember |
|
I purchase a car with 2 debit cards one didnt have enough money on one them to complete the transaction and the other made the difference when I Disputed the transaction it did not go through the investigator stated not enough documentation on the second debit card after I contacted the bank about the amount I wanted to dispute on the transaction 2nd time and I did not have a problem with XXXX XXXX XXXX they returned the bulk of money owed after investigation {$5600.00} but Regions Bank would not return my money to my account after I disputed it 2 times {$1000.00} they needed more proof the proof is a receipt that I paid and the car was returned to the dealer and I wanted my money refunded back Regions investigator claim not enough documentation so it would not be lot Of documentation because I paid right then and the next day disputed this transaction because of fraudulent practices and charges on my card By this car dealership and the vehicle was not working I dont believe anyone should have your money and what you purchase too violates your right as a consumer also I believe the debit card fee should be fair after return of purchase
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
I disputed fraud charges on my account with Regions Bank XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX # XXXX XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX {$90.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$26.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX XXXX # XXXX XXXX {$1400.00} I disputed some charges as well XX/XX/XXXX XXXXL XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$30.00} They did not investigate or contact the merchants rather they sent me a letter stating that the transactions passed their automated system fraud thing and therefore there would be no credit on my account
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Approximately XXXX was charged to my checking account. it was over XXXX incidents back to back for the exact same amount. The bank says my card was added to a " digital wallet '' I do not have a digital wallet nor have i ever authorized a digital wallet. They are claiming there's nothing they will do for me... ..The bank is Regions Bank I first locked the card trough the app then called it in. was told to go to a local branch to file a dispute i did. they said it would take XXXX business days and someone would contact me they never did I went back in spoke to another person. She had a chat discussion with the fraud people and then they told me to just call back in. i left and called the bank and they are simply saying there's nothing they can do because the card was " somehow '' linked to a digital wallet which has nothing to do with me. Been a customer of this bank for over a decade with no type spending pattern such as this. I have three separate accounts as well as a credit card account through them. Never has this ever been a problem and they can clearly see its got nothing to do with me but yet they say sorry they wont do a thing.
|
| 09/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My account was charged overdraft fees in the amount of approximately {$200.00} total. I should have not been charged fees because I had enough funds available for the transactions that were made. I emailed them 3 days ago when my account became negative approximately {$100.00} and was told that I had pending transactions that had not been taken out however there were no transactions that showed pending. All of my pending transactions always shows and those funds are always held. On yesterday morning my account was overdrawn approximately another {$100.00} for the exact same transactions. When I called I was told that there were pending transactions that showed in the background that they only could see which caused my account to overdraft. She also stated that I could not have known that because I couldnt see it so technically the transactions that I made would have been covered but since I couldnt see the other pending transactions it caused my account to overdraft. The rep refunded approximately {$100.00} due to the situation and because my account is not regularly overdrawn but did refund the remaining approximate fees of {$100.00}.
|
| 08/28/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year.
I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.
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| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We have been under contract on a property since XX/XX/2021 and had an initial intended closing date of XX/XX/XXXX ( 45 days later XXXX. It is now XX/XX/XXXX, and we still are not clear to close which we are being told isnt even the final step in our mortgage process. We have had now 4 extensions to the contract and are on our XXXX day.
I am filling this complaint in an attempt to get someone within Regions to take accountability for the fact that they are not being communicative to us, that the underwriters are dragging their feet, and that they have lost all credibility with the attorneys involved in the transaction.
Regions committed to us a 45 day closing on an IHDA mortgage. They have violated our trust, misled us in the time it would take to complete things and repeatedly asked us to provide documents we have already provided.
We have tried letting anyone on their side who will listen know that we need them to fulfill their commitment to us, but none of them seem to care except our direct contact. Our broker and attorney have also tried to work with Regions, for which the bank has been less than communicative or responsive.
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| 04/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
Older American |
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As of today, Monday XX/XX/XXXX, I have a double charge of {$75.00} against my Regions Bank debit card from XXXX. I called XXXX about the transactions and they informed that there was only one charge of {$75.00}, not two. They told me to contact Regions about the double charge. I went to Regions Bank, XXXX XXXX XXXX XXXX XXXX, TX XXXX. The lobby was closed and this was during normal business hours. I went to the drive in window and asked to speak to the manager. She came and informed me that the charge was pending and that there was nothing she could do until the charge cleared. In other words {$150.00} is tied up for a {$75.00} sale, until the bank clears the charge. I find this totally unfair, that Regions is tying up {$75.00} of my money. Also, I find the manager very unhelpful, because all she kept saying was that as long as the charge is pending there was nothing she could do. She acted like a robot in her answers. She was pretty cold to the fact that there was a double charge. I find her behavior and the bank 's policies to be not very customer friendly. Can something be done about this policy? Thank you in advance for your help.
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| 07/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In XX/XX/2020 I purchased tickets to an event using my Regions debit card. The following month, in XXXX, this event was cancelled due to COVID-19. I never received a refund from the vendor despite contacting them multiple times. Therefore, I filed a transaction dispute over the phone with Regions in late XXXX ( proof attached ). The Regions claims rep told me the money would be refunded to my account within 10 business days. She lied. Instead, Regions sent me a claims denial letter the very next day due to " lack of evidence '' ( proof attached ). I faxed Regions proof of the event cancellation ( proof attached ). Regions never responded or refunded the money to my account, so visited a branch location in XXXXXXXX on XX/XX/XXXX. The asst mgr, XXXX XXXX, told me that she can not assist with a claims dispute in-store and that it must be handled through their 800-number. I informed her that I called the number multiple times and no one EVER answers. She said " I know they don't answer, but you just have to keep trying. '' To-date, Regions has failed to refund my account ; I am escalating this matter to CFPB for investigation and resolve.
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| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act Regions Bank Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report.
A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report.
Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
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| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I was with Regions bank for about 2 years. Since I had been with them I have struggled tremendously. It seems every time I would pay bills, my balance would not reflect what I actually had in the account. This would result in them charging overdraft fees. What I found very disturbing was that I had the feature turned off and I was still being charged these $ XXXX fees. I tried to call and explain that I do NOT want these charges on top of XXXX charges or any charges since the feature was turned off and the first go around they refunded the amount. Any time after that? Not so much. I was told through an online chat that they know the feature is turned off but I will still get charged an overdraft fee. What is the point of opting out if I am still going to get charged. I explained to them that I did not want these charges over and over. I simply wanted them to just not pay it. I was in the process of switching cards and sometimes I pay bills with different cards and Regions has refused to give me back any of the fees that have been charged. I have since been locked out of my account so I cant even see what is going on with my account.
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| 02/03/2019 |
Yes |
- Credit card or prepaid card
- Payroll card
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Web |
Servicemember |
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XXXX XXXX I noticed that there were several unauthorized charges to my card and I notified Regions Bank and XXXX. I was told to allow the pending charges to clear and I could dispute them along with the other charges that totaled {$930.00}. I received specific instructions from Region how to handle a situation of this nature in XXXX and the next month when I became victim I followed all the procedures I contacted the bank the same day I noticed. All the transactions occurred between the XXXX and XXXX of XXXX I cancelled my card contacted XXXX and informed them of unauthorized charges which had happened for the third time with their company. I was told by Regions I would receive paperwork as to why my dispute was denied over 5 times and as of today XX/XX/XXXX I have yet to receive any evidence that an investigation was ever attempted. XXXX admitted my account may have jeopardized yet refused to refund my money. This whole situation was even publicized on the Alabama news stations and other banks vowed to refund customers their money. Regions has been dishonest and unprofessional and violated their own written polices and procedures.
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| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act Regions Bank Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
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| 08/23/2016 |
Yes |
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Web |
Older American |
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I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.
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| 09/22/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
Older American, Servicemember |
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I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is XXXX.
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| 04/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XXXX is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted XXXX before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft Regions Bank XXXX XXXX XXXX XXXX XXXX , AL XXXX Reported Name XXXX XXXX Reported Address XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Reported SSN : XXXX Drivers License : ( Bla nk ) RTN : XXXX Account : XXXX Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
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| 07/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I deposited a check on XX/XX/2022. Check was for {$10000.00}. It was from a vehicle sale. It was deposited by a teller at the branch. I received an email and a letter in the mail stating the funds be available on XX/XX/2022. Well on XX/XX/2022 I received notification my account was locked out. I had to go to the branch. I did go in. Talked with a manager there, my account was locked out bc regions couldnt get in touch with XXXXXXXX XXXX to verify the account. The manager called XXXX XXXX and couldnt get anyone to help. We called the guy to get him to verify the funds, to no avail. So now Im sitting here with {$13000.00} in my account and I cant touch any of my money nor can I use my debit card. I called corporate office and all they say is I have to go back to the branch and let them handle it. They refused to allow me to speak to management or corporate office president. So now Im sitting here without a loaf of bread to feed my son! Nobody can help me. I have spent 6 hours in the phone or in the office trying to fix something XXXX shouldnt have to be doing. Its not my job to verify a check. Thats why I have a bank account.
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| 01/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law.
The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}.
I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me.
I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.
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| 04/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal.
Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}.
When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money.
I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded.
It should be illegal to reorder transactions to maximize fees.
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| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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|
Web |
Servicemember |
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I asked XXXXXXXX XXXX XXXX to do a balance transfer to Regions Bank in XXXX, Alabama. Transfer amount of {$18000.00}. Peoples bank use XXXX XXXX XXXX out of XXXX North Dakota for their credit cards. XXXX sent the transfer to Regions Bank, but Regions claims they never go the transfer. There was a typo in the credit card number but neither of these banks are willing to trace the money. I have talked to both of these banks on numerous occasions. I spoke with XXXX and XXXX at XXXX XXXX XXXX. And they claim it's Regions problem to trace the transfer. No one at Regions Bank would give me their names, but they say it's XXXX problem to trace what happened to the transfer.. Both banks blaming the other. XXXX gave me a trace number, but when I mentioned this to the people at Regions they didn't want to hear it or take action on it. As far as that goes neither does XXXX want to do a trace. But now both Banks want me to pay them {$1800.00}. That's not going to happen. I refuse to pay this bill twice. I do know that someone typoed a number in the credit card transfer. But that money had to go somewhere. And someone needs to find it.
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| 09/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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{$13000.00} was illegally wired out of my account of XX/XX/2021. Regions Bank did not assist me in trying to recover the money and did not reach out to me, even though they were made aware it was fraudulent in XXXX.
I did not learn that my money was sent to Regions Bank until XX/XX/2021, when my local police department called me to inform me. I now have the police report that indicates the money was wired to someone named XXXX XXXX in Michigan, but that the money ended up at a Regions Bank in Alabama. Regions Bank will not tell me where the money went after it was sent to Alabama and the police have been unable to find evidence that anyone named XXXX XXXX exists in Michigan, even after visiting the home of the address in XXXX XXXX, Michigan. I would like to know where the money was wired after it was in Alabama or who took the money out of the bank. And whether or not that money was taken out through wire, in person, or through an ATM. Since police are unaware of an XXXX XXXX and the money was sent to someone in Michigan from Connecticut to a bank in Alabama, why didn't Regions Bank reach out to confirm this was legit?
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| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I notified Regions bank that I was going through a very tough time with the business and COVID but were were coming out of it. I lost employees and tons of business due to the coronavirus, I have always have a plus XXXX score and paid my bills on time.
Recently, the credit card with them got to the limit and I paid what I could and they told me they wouldnt report bad credit. I made payments every month, including XXXX, XXXX, and XXXX payments in XXXX. I recently sent them {$900.00} two days ago.
I am very upset they flagged my account as 90 days past due when it is clearly not. Under the cares act, they are supposed to help consumers get back on track, Because if this unfair credit reporting during a pandemic, my score has plummeted. Now the sba has granted us a loan for the business which we need to keep everyone employed, and my personal score is too low.
The account should never have been closed or reported 90 days late. The fees Regions has collected from my business account has been though the roof with no relief at all during this tough time. I am attaching screenshots of payments made throughout the month.,
|
| 08/09/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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Comdata is refusing to issue credits that were agreed upon between XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ). In Comdata letter, they state " but to date, you have not retracted the XXXX statements regarding the fraudulent application and fraudulent payments. '' Per XXXX XXXX specific request on XXXX, I have sent an email on XXXX requesting the account to be reopened. See attached. On XXXX, XXXX XXXX stated, " I found the issue and the entered credit for the missing amount. Will you be able to send me a letter so that we can get your account reactivated in the meantime? ". On XXXX, a letter on company letter head was sent to XXXX XXXX, per his request and sent to Customer Care and XXXX. See attached.
There is no indication from XXXX XXXX or anyone else that these letters are " not sufficient ''. All documentation was sent at the request of XXXX XXXX in good faith without any objection from either party. If Comdata would like assurances from future claims then they need to provide the sufficient language that they would require. Comdata would need to issue a check for {$69.00} to have this matter closed.
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| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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My wife ordered a beauty product called XXXX online and only ordered the product once. However this fraudulent company started sending more products without her permission and charging the account. We kept going to Regions bank disputing it. But they kept jacking us around saying they would resolve it. Never happened! So we paid the negative and closed the account. Even after the account was closed Regions bank continued to allow this fraudulent company to send charges to an account we closed. Then Regions bank keep sending us notices that we are in negative overdraft charges. Regions is doing this so that the account will go to collections and affect our credit and then it will force us to pay money we do n't owe. In 2015, Regions Bank had to pay consumers back XXXX XXXX dollars in fraudlent overdraft fees for ripping off its own customers. They will never allow any of your accounts to close even after you take out a your money and close the account it 's really not closed. I took my money today different bank but Regions bank is still keeping an old account open with no money in it and keep allowing XXXX to charge it.
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| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
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Web |
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XX/XX/24 : my account is overdrafted {$17.00}. I attempt to move {$20.00} from a joint account at the same institution to my overdrafted account. online banking will not allow me to move the money ( this is normally not an issue ). I physically go to a Regions ATM and have to withdraw {$20.00} from my joint account and then immediately deposit to my overdrawn account. this brings my total + $ XXXX. approximately XXXX XXXX XX/XX/24 : approximately XXXX XXXX I check my account. Sometime after banking hours a overdraft fee of {$36.00} was levied on my account after bringing it out of overdraft the previous day.
current checking account total is not accurately reflecting pending transactions. Bill pay transactions are being executed when they are most likely to cause an overdraft I.E. in the middle of the night. Pending transactions are being executed when they are most likely to cause an overdraft I.E. date moved forward in the week ( one such transaction was already cleared with retailer and items shipped ). Internal transfer system will not work under an overdraft situation ( this has happened on a previous occasion ).
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| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
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Web |
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I am trying to get to the bottom of fraud committed by a former friend. A {$200.00} secure credit line was opened in XXXX XXXX XXXX XXXX, yet I was charged for the transaction ( according to XXXX XXXX XXXX XXXX XXXX was living at my apartment when this account was open and would have had very easy access to all of my personal information. When I initially received these account alerts, they were sent to XXXX and I did not notice that I was charged for a secure credit line in someone else 's name by a bank that I had never heard of before. I had reported a suspected fraud to Regions at the time, and nothing was resolved due to Regions not addressing my concerns. I, therefore, closed this bank account and am now unable to access my old statements. XXXX added my Regions bill pay to her secure line of credit, apparently, and this was never stopped by regions. I expect a refund for unauthorized payments made from my account and access to my previous statements. Please find attached the alert sent to my XXXX last year regarding this manner, my report to the FTC, and the CFPB report that I made against XXXX XXXX bank itself.
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| 03/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
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Web |
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On Thursday, XX/XX/XXXX I cashed my fiancs paycheck via my banks mobile deposit option on the Regions app. I have done this dozens of times in the past with no problems. On Friday I received a email that the funds were out on hold and would not be released until XX/XX/XXXX. I called them and asked for explanation which they couldnt give me. I asked them to cancel the transaction and they said the couldn't. I was told by the customer service representative I could try to cash the check elsewhere and that would ultimately cancel out this first transaction. So I went to XXXX XXXX, my fiancs employers bank, the bank that was printed on the check and they told me they could not cash the check because it had already been cashed. I then spoke with the payroll accountant at his workplace and she said the check was completely cashed. But regions keeps telling me its still pending. I spoke to another customer service representative who told me my funds would be held through XX/XX/XXXX, but now its the XXXX and theyre still being held so that was no true. I received another email stating the funds are being held until XX/XX/XXXX.
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| 09/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
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Web |
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Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,
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| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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On XX/XX/2023 my debit card was stolen while I was on vacation. They took my card and used it 8 times at a local XXXX. The total amount stolen from me was {$3900.00}.
That same day I called my card company to tell them about these charges that werent mine. They said I had to wait for the charges to clear to make a claim. Eventually made the claim and was told it can take about a month for an answer. On XX/XX/2023, the fraud department sent me over 8 emails stating my claim has been approved and I would be receiving my funds in about 1-2 business days.
Its XX/XX/2023, I have yet to receive my {$3900.00}.
I have called over 30 times in the course of 8 months to ask about my funds. Ive spoken to several reps and supervisors and they have all told me the same exact thing. We will escalate this to our fraud department, and when we have an answer from them, we will give you a call Theres no direct number to their fraud department and apparently the only way to reach them is their email.
Company is XXXX XXXX Ive also tried to reach XXXX but they said XXXX is a separate company from them and they can not see my account.
|
| 03/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
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Enerbank informed customers that it was transitioning away from an old website/pay portal to a new website/payment portal in XX/XX/2023. As a result, the website indicated that if the customer already had a recurring payment established, a new one needed to be created. I did this at the beginning of XX/XX/2023, for a XX/XX/2023 payment.
However, on XX/XX/2023, my prior recurring payment AND new recurring payment were both deducated from my savings account. I called Enerbank on XX/XX/2023 to report the issue AND the representative said I had to email the company 's account processing contact! I then called on XX/XX/2023 to get an update AND they could not provide one and said they will follow their process to resolve without providing any timeframe.
This is completely unacceptable as these are 2 large payments taken out on the same day ... and the company does not feel any urgency to repay me for their error and continue to inconvenience me to try to resolve. If I was late on my payment, I would incur many fees... but its acceptable for the bank to take more money than they should have! Unacceptable... please help!
|
| 12/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
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In XX/XX/2018 I opened a credit card account with Regions Bank in response to a special offer. My first statement was due XX/XX/2018, I made a payment on XX/XX/XXXX of {$1100.00} which was total balance due. At that time I spent an unusual amount of time attempting to set up an Auto-Pay on the account. The site is balky and non- intuitive. I called the bank to make sure the account was set up for Auto Pay. That call took over 45 minutes of wait time to talk to a representative. I was told that the account was set to pay full balance on the due date from my account at XXXX XXXX.
The second payment of {$70.00} was made on XX/XX/XXXX and another {$3.00} was paid on XX/XX/XXXX. Then the Auto Pay stopped working. I travel extensively in the summer and fall months, often with no phone or internet service available, which is why all my accounts are set to Auto Pay.
On XX/XX/XXXX I discovered Regions had reported me delinquent having missed two payments for a total of {$11.00}. My credit score was decreased 129 points in one day. I called Regions and opened a dispute and paid the due balance. That reference number is XXXX.
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| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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XX/XX/2022 my XXXX XXXX XXXX was activated and ready for use.
XX/XX/2022 I inquired about my card being declined, later signed onto the account portal and saw that my card balance was reported as $ XXXX. I immediately reached out to support, and received several contradicting inconsistent answers from different support members. One said that my address is not able to be verified and I'd need to submit additional documentation to verify Business operations. I've already submitted an update address form three times prior to receiving the card because they sent the initial card to the wrong address. Another support member said the negative balance is what is available on the card for spending. Then another support member said they can not do anything and, " take it up '' with account verification and submit verification documents once more.
My card balance as of XX/XX/2022 now states $ XXXX and still no explanation, or contact by support. I warned them that I will submit complaints to legal authorities if my personal or business credit is negatively impacted by their misreporting, and deceptive business practices.
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| 04/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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In XXXX Regions Bank XXXX XXXX AL. fraudulently opened a line of credit ( LOC ) ending in XXXX for {$15000.00} without my consent. Originally, I assumed the LOC was a credit offer not an active account, so I did not take any action and left it alone. In XXXX XXXX, I started being billed fees against this account that I did not ask for, want and/or need! As of XX/XX/XXXX, I have spent hours and hours of my time on the phone with Regions bank customer service, collections, Account Services and Fraud Departments along with visiting my local Regions branch in XXXX Fl. XXXX to be told this issue would be resolved and acct. closed. Again, as of today XX/XX/XXXX, Regions Bank keeps applying fees and sending negative comments to all 3-credit bureaus driving my XXXX plus credit score below XXXX and dropping. I have tried to clear this issue any number of times without success! I can not tell you where the XXXX XXXX XXXX branch of Regions is let alone do business with. If this is how Regions is going to conduct business, and not assign any type of case number to show comments on an account I will take my business elsewhere.
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| 04/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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IN XX/XX/XXXX REGIONS OFFERED A {$5.00} CREDIT INTO MY CHECKING ACCOUNT IF I USED A PROMO OFFER WHERE I USE MY CHECK CASH/DEBIT CARD AT XXXX. I USED THE CARD AT XXXX DURING THE PROMO 2 DIFFERENT TIMES, SO ONE OF THOSE TIMES I WAS TO RECEIVE THE {$5.00} CREDIT BACK INTO MY CHECKING. I NEVER RECEIVED IT IN XXXX, XXXX OR XXXX. SO I CONTACTED THE REGIONS BANK SOLUTIONS CENTER ( TICKET NUMBER XXXX ). THE EMAIL I RECEIVED FROM THEM AFTER I FILED THE TICKET STATED THEY HAD RESOLVED THE ISSUE, BUT DID NOT EXPLAIN TO WHAT DEGREE IT WAS RESOLVED, SO I TALK WITH XXXX IN THAT DEPARTMENT AND SHE TOLD ME " THE MONEY WOULD BE DEPOSITED INTO MY ACCOUNT IN XXXX. IT NEVER WAS. SO I CALL TODAY AND THEY ARE PUTTING ME OFF AGAIN AND SAYING IT WILL BE XXXX. THIS HAS BEEN GOING ON LONG ENOUGH. IN XXXX. REGIONS TOOK DOWN THE {$5.00} XXXX OFFER SO I COULD NOT PROVIDE A SCREENSHOT OF IT. REGIONS SHOULD BE HELD ACCOUNTABLE FOR THESE KINDS OF BUSINESS PRACTICES. MAKING OFFERS TO CUSTOMERS AND THEN RETRACTING THEM OR NOT HOLDING TO THERE WORD. THEY SAID XXXX XXXX XXXX THE FUNDS WOULD BE IN THERE IN XX/XX/XXXX AND NOW THEY SAY XX/XX/XXXX XXXX
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| 04/07/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I get paid every other Friday. I checked my bank account on XXXX XXXX ( Thursday ) at about XXXX XXXX and my account was positive. I woke up on Friday after getting paid and I had {$210.00} overdraft fees. I called and spoke to customer service the next morning and explained the situation and XXXX from Regions told me that a check cleared on the XXXX. I explained to her that when I checked my account at XXXX XXXX that it was in the positive and why did I get so many OD fees? She could not give me a time that it cleared. I went the local Branch of Regions and spoke to the Branch manager and he said that he would have to send the situation to his regional manager and get back to me. I called back a couple days later and he said that a check cleared on the XXXX but he too could not give me a time when it cleared and said they could not give me any of the OD fees back. He said that they have a XXXX in a lifetime forgiveness policy and could not help me. I called channel XXXX news cause of his demeanor and the way XXXX treated me on the phone and XXXX from Channel XXXX gave me this link to contact to send a complaint.
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| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I am a XXXX XXXX who was in the United States for the summer season and created an account with Regions Bank in XXXX XXXX in XXXX. Which I always use without any problem. But days before leaving XXXX XXXX, the banker recommended that I update my personal information and add the social security number ( The account was opened without the SSN ). As I needed to leave everything without problems with my bank account to return to my country, I accessed and updated the information.
A month later, my debit card stopped working and I found out that the bank had sent a request to corroborate more of my personal information but I was never notified and by not sending the information the bank unilaterally closed my account. Sending the funds that were in it in a check to a registered address in which I no longer resided, since I am in my XXXX XXXX XXXX. So I am without any of my money and the bank does not want to provide me with any type of solution, much less support considering the condition I am in.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for at least a couple of years since the process is very slow.
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| 09/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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During the year XXXX regions bank has charged me overdraft fees in the amount of {$800.00}, all of which on my account balance showed enough money to cover every charge that was on my account. when regions were contacted about the overdrafts and the fee 's associated with regions informed me of the overdraft policy but was unable to explain how my balance was able to cover all the charges but then the next day have a negative balance and an overdraft fee for multiple charges. I contacted the main branch and brought bank statements and showed how the night before I had the money to cover every charge on my account then the next morning I would have a negative balance and several overdraft charges the banker called customer service and still could not give me an answer as to how this was happening but informed me that I had to pay the {$500.00} dollars after I had already paid {$300.00} of fee 's that they claimed was overdrafts. since then regions has charged off my account and Im unable to sign into regions at this time, I have switched banks still have all the same bills but have not had a single overdraft fee.
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| 07/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
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After being layoff at XXXX XXXX XXXX on XX/XX/2009. Also, I have applied for XXXX XXXX XXXX XXXX XXXX XXXX jobs. I set up accounts with Region Bank, Region Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, and XXXX XXXX while residing at XXXX XXXX XXXX XXXX and renting properties XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX Louisiana. ( Reference : Consumer Complaint XXXX XXXX Bank fraud and white collar Crime in the United States involving these states ( Alabama, Georgia, Louisiana, Alaska, Texas, Mississippi, New York and Arkansas, North Carolina, South Carolina and Florida ). There ethical issues facing corporations, managers and employees have grown in significantly. Banks have two tellers per institutions and one Customer Service Representatives and Branch Manager. I truly believe employees have accepted gifts.
In addition, medical treatment for unprivileged citizens. Bonusess, housing allowance for veterans, state, city and federal employees.The contracts were issued by The Department of Homeland Security and Federal Emergency Management Agencies.
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| 08/05/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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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
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| 07/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.
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| 11/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
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We were working with XXXX to do repairs on our home. They referred us to enerbank to get a loan for the repairs and they called their enerbank representative on their phone to lets us talk to them and apply. It was explained that the loan will be same as cash for repayment until XXXX of XXXX. The interest rate then would be 19.99 %. I work in the lending industry and made sure to confirm that the information was really clear to me before making the decision to move forward with the loan. Our intention was to pay the loan off before interest would be applied. I recently made a larger payment to the loan and decided to review all the statements. This is when discovered that interest was being charged off each payment. I assumed this was a mistake and contacted Enerbank on XX/XX/XXXX to clarify. The representative explained that the same as cash was if I were to pay it off I would pay any additional interest however as I'm making payments interest is still accrued daily. This was not how the loan was advertised or disclosed. We would have not gone forward with the loan or renovation if we had been aware.
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| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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On XX/XX/XXXX my wife and I were talked into purchasing a solar panel system from XXXX XXXX XXXX. We resisted but were finally convinced by the argument that we would be able to pay the financing fees from the money saved on our electrical bill. This very soon proved to be false and in XXXX XXXX XXXX we made a complaint to the Division of Consumer Affairs, Tennessee. We strongly requested that the solar panels and associated equipment be re-possessed and all monies paid by XXXX returned to them. Didn't happen.
In XXXX XXXX XXXX we were informed by the DCA that XXXX XXXX was put under receivership by the states of Tennessee and Kentucky due many complaints like ours. We repeated our request for the equipment to be re-possessed and informed XXXX of this. Still didn't happen.
XXXX are now chasing me for payments on the loan, calling me with threats of damage to my credit.
We can not afford both the electric bill and financing payments as we are XXXX living on social security. I have spoken with XXXX telling them that they are very welcome to send a technician to remove and re-possess the equipment.
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| 10/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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Regions charged me XXXX in fees when I havent even went negative yet. Then wanted to give me a hard time about! Asked me well maam what do you want me to do?! I said GIVE ME MY MONEY! THATS WHAT I WANT YOU TO DO ABOUT IT! Then they proceeded to tell me, well I can only refund XXXX XXXX time only! Well I am sorry but this wasnt my fault.
This has happened more than XXXX. I do remember getting a refund XXXX time. I dont fell like they should charge overdraft fees for every charge that is pending just the charges that you dont have enough money to cover.I have been with regions for a while now. I dont know how many times this has happened but I do know that this is the last time it was a large amount out overdraft charges at once.
As you can see on the photo I had attached I had enough money in my account to cover all charges but the last one. So I feel like I should have only be charged XXXX fee. Instead of XXXX. This caused me to get farther behind on my bills and caused me a lot of stress.
I am sure they owe me way more then that from over the years but I dont know how to go back and look it up.
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| 12/28/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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BEWARE BEWARE OF REGIONS BANK BEWARE OF REGIONS BANK THEY WILL STILL YOUR MONEY BEWARE BEWARE WITH REGIONS BANK.
XX/XX/2018 I was just finish working, I check my regions account I saw my account was minus {$3.00} since it's was already late around XXXX XXXX i ask my friend to send me money on my account so that my account can be positive, so my friend send me the money immediately and my account become back to positive the same time XX/XX/2018 the next day on the XX/XX/18 my account was positive with {$4.00} and normal and today XX/XX/18 i just got pay from work and i check my account so that i can pay my rent i see that some of my money was missing I call regions bank to ask them what is going on i REALIZE THAT THEY CHARGE me about 4 times {$36.00} dollars the first charges was {$72.00} on the XX/XX/2018 but my account was normal and the second on the XX/XX/2018 i was shock because when my account was minus {$3.00} I automatically added money to my account cause i hated to see my account without money on it but today I realize they took some of the only money I have left to pay my for my rent ....
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| 06/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
|
A check from a major insurance company was deposited at a drive through window at the Regions Bank branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XX/XX/2023. The next morning an e-mail was received notifying me of a hold placed on the check until XX/XX/2023. Checks from the same insurer had been deposited, in the same manner, at the same branch previously with no issue, although a brief ( <24hr ) hold had been placed on a check from the same insurer in XX/XX/2023. That was resolved by contacting the branch manager. No reason was given for that hold or the current one. I have contacted the branch manager, in person and by phone, Regions customer service, Regions priority banking, and used secure text messages. No explanation has been provided and the situation remains unresolved. This does not appear to be a federal or state regulatory requirement. Two other local and one national financial institutions have informed me that they would not have placed a hold on this check if deposited with them. The action taken by Regions is arbitrary, capricious, and unwarranted. I have been a customer for 15 years.
|
| 04/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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In XX/XX/XXXX, Regions Bank sent me a check for {$100.00} which was not due to me. Since I knew the check was not due me I did not cash it. Recently, in XX/XX/XXXX, I received a collection letter from Regions Bank stating that I had an outstanding balance of {$100.00}. I then called the phone number provided on the letter and explained the situation to the representative show stated the situation would be resolved. I then received another correspondence stating I still owed the {$100.00}. I called Regions again and spoke to 4 different people attempting to resolve the issue. I finally talked to a representative named XXXX XXXX who suggested I cash the XX/XX/XXXX check and then mail the {$100.00} back to Regions. Even though I did not like this idea, I was willing to try it as I was getting no where with the Regions representatives. My bank did not accept the check because it is stale dated. Since then I have emailed XXXX XXXX 3 times on XX/XX/XXXX, XXXX, and again on XXXX. He has not responded to me or acknowledged my emails to him. As such, I have informed him that I would be filing this complaint.
|
| 09/08/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
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|
Web |
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Started the loan process on XX/XX/XXXX had an appraisal done on our home. Appraisal was not done properly and home was undervalued by {$80000.00}. Put in a dispute with the underwriters, took them so long to respond we had to do a second credit app on XX/XX/XXXX. Another appraisal was done house appraised for fair value {$80000.00} more then first appraisal. We started moving forward, all paperwork had been sent multiple times but they said pay stubs weren't valid according to underwriters. I've been employed with he same company for 5 years and the company has been in business for over 40 years with over XXXX employees, I bought the house under the same employer and loan was finished in 2 months. The loan timed out a second time because of communications from our loan XXXX and underwriters. I have over XXXX calls to the loan officer throughout this process and over XXXX emails. It took the loan officer over 2 days to return calls and she never knew what was going on with the loan always had to call back. Now we are fighting to get the credit apps off of our names due to it being the banks fault.
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| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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When I call to make a payment toward my auto loan account, the CSR tells me, " I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' After being transferred to the bankruptcy dept., the CSR there says, " I see you had filed bankruptcy in 2018, but that's been discharged. I have to transfer you back to the payment processing center. '' After being transferred to the payment processing center, the CSR there says, " '' I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' I responded, " That's not correct, I was just transferred FROM the bankruptcy dept. '' The CSR 's tone got very hostile when she said, " Well, MY record indicates this account is in bankruptcy, so there's nothing we can do in this department. '' Regions Bank is clearly creating this confusion with their CSRs to cause borrowers to miss car payments because the bank wants to create a default and repossess the vehicles for resale. Regions ' policy is to make it functionally impossible for anyone who has ever had a bankruptcy to make their car payment by phone.
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| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I believe I have fallen victim to a predatory lending scheme. I am an elderly person and was experiencing plumbing issues and called XXXX to assist. Was promised total issue resolution, took a loan through the lender coordinated by their contractor for {$6000.00}. However the issue was never resolved. I had to keep calling because the system behaves the same as before. XXXX no refuses to honor warranty but Im still liable for this loan.
I have filed a claim with the State of California XXXX XXXX XXXX, they have been trying to close my case ever since I opened it in XXXX. This work began XX/XX/2020 to this date I am not satisfied with their work.
XX/XX/2020 XXXX XXXX from the XXXX XXXX XXXX and another man he identified as an inspector claimed he was checking my plumbing and he also said we needed a plumber with a camera to look into the pipes. There was a plumber working across the street from my house and he claimed to have gone up the pipe with camera. I received a phone call from XXXX XXXX telling me that nothing was wrong I have not received a report I paid that plumber {$200.00} cash.
|
| 04/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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On XX/XX/XXXX XXXX XXXX I deposited a XXXX check into Regions Bank in the amount of {$40000.00}. Regions put a hold for 10 days due to suspicion of check being payable. On XX/XX/XXXX funds were made available however a second hold was put on the account for reasons not disclosed. I have called corporate, customer service and gone into several branches to withdraw funds but have been denied. XXXX XXXX put bank manager on notice that by holding funds past 5 business days he was in violation of Law in the Expedited Funds Availability Act of 1987 which he acknowledged he understood but advised the security of the bank was more important and superseded my rights and rights to funds.
Regions and its agents conspired to unjustly withhold funds over 5 business days, committed deceptive banking practices and presented willful misinformation regarding my account by lying to me about check status from issuing bank. They have taken the stance and put me on notice that I am suspected of committing criminal activity and have ceased to deal with me as a customer.
As of XX/XX/XXXX I have had no resolution.
|
| 08/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
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I previously submitted a complaint, # XXXX, about {$140.00} in overdraft fees my Regions Bank account incurred for certain electronic transfers that went through without my knowledge. I received a letter dated XX/XX/2022, from XXXX XXXX with Regions Bank in which he explained that the bank had mailed me notifications. XXXX XXXX provided a phone number for me to call with any questions or concerns. I never received anything in the mail from Regions bank -- not account statements, not notices of overdraft fees, and not the letter from XXXX XXXX. I have attempted to contact XXXX XXXX at the phone he provided, but it goes straight to voice mail and he will not return my calls. I tried calling into the Regions call center and they had no way of contacting him either. They explained that based on the information provided to them that XXXX XXXX was not able to call customers back. This seems extremely unfair to have a bank representative send out a letter, asking a consumer to contact him by phone with questions or concerns, when that bank representative is not set up to field questions or concerns.
|
| 05/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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I filed a complaint about not being able to set up autopay through the online banking. I decided to cut my losses and just do one time payments. I logged into my online banking on XX/XX/2022, two days before my due date, to do a one time payment of {$50.00} which was more than the minimum of {$25.00}. I went through the process to completion and for some reason the payment did not take. My correct routing and account number are in my OLB because Regions ' system picks up that it's an XXXX checking acct. I want all of my late fees waved and for Regions to investigate why I can not pay my credit card through my OLB which is their preferred method and my preferred method. If this method does not work or it is broken, fix it or do not offer it.
I have all of my other credit card on autopay and haven't missed a payment with any of my credit cards in years except Regions. Regions is and has always been the one that is most difficult to pay and it seems for no good reason.
Please check my log in records on my OLB. I logged in the morning of XX/XX/2022. Why would I log in just to not pay my bill?
|
| 04/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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On XX/XX/XXXX my loan was modified. At that time, the balance was {$140000.00} with a balloon payment due on XX/XX/XXXX of {$130000.00}. All payments were made on time so imagine my concern, when I was advised the balloon payment due was {$130000.00}. No one at Regions Bank could offer an explanation as to why there was over a {$7000.00} difference. On XX/XX/XXXX I was approved for a new loan to payoff the balloon. The new loan finally closed on XX/XX/XXXX with a disbursement date of XX/XX/XXXX in the amount of {$140000.00}. Then I received a letter dated XX/XX/XXXX that my initial loan was in default and I owed a total of {$130000.00} ( consisting of principal in the amount of {$130000.00}, late fee of {$100.00}, and interest in the amount of {$3200.00} XXXX If the total due as of XX/XX/XXXX was {$130000.00} and my closing was for {$140000.00}, where did the difference ( {$2300.00} ) go? The total closing costs were stated to be {$710.00}. And most importantly, since XXXX I faithfully and timely made every payment for 83 months ( a total of {$91000.00} ) and now I owe more than I did then.
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
On XXXX I had received an email from Regions that my account had been accessed from another device. I called XXXX the next day and was told I would need to go to a branch with my identification ( I waited on hold for one hour and 20 minutes ). The next day, Tuesday XX/XX/XXXX I went to the XXXX branch and asked for help by the branch manager. She said she was expecting someone and to have a seat and XXXX XXXX would help me shortly. After XXXX got off the phone I asked her if she could help me, she said sit down, I told her I would rather stand due to back problems. She then said very loudly, well if you want the whole branch to hear your information then go ahead. I walked out at that point. I tried calling the branch back and she answered and said if you are waiting on an apology thats not going to happen. I tried talking but she kept yelling. I hung up. Three days later I received a letter from that branch that they were closing my account in 2 weeks! I called and left messages but nothing! Something needs to be done about the rude employee at Regions Bank on XXXX XXXX in XXXX XXXX, AR.
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American, Servicemember |
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XXXX card XXXX was breeched on XX/XX/2022. someone called when I was down the street from Regions drove to Regions to ask if the call was real before I spoke with them. They checked his credentials.This was the next day XX/XX/2022. Was on the phone with them trying to get every thing straight. MY credit card had been breeched with a card that was just like mine in my purse. I do not know who this was or how they went about getting the money {$1200.00}. and cash advances of {$250.00}. I got a letter onXX/XX/2922 from Regions claims resolution Center stating that : our review indicates you participated in or otherwise authorized this use of your card!!!!!! WHAT!! I have been with this institution for XXXX years. I have never accessed cash advances.I would like the amount that was taken from my account replaced. I felt like a criminal and that is the way they treated me. I am asking you to do whatever you can to give the credit I should have for being with this bank for XXXX years.Please fix my account before it affects my credit. It has already gone down from XXXX to XXXX .Thank you!
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| 09/14/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX XXXX when I contacted to the regions bank agent I filed a dispute which is unauthorized withdrawal on my bank account amount from {$10000.00}, {$82000.00} and {$2000.00} from IRS AND Long game transfer on XX/XX/XXXX and XX/XX/XXXX. the agent just requested me to enter the branch XX/XX/XXXX, XXXX in person they file dispute and claim form. up to 7 business days processed credit back XXXX account. it has never happened. I decided to call agent on the phone. it said deny claim. I was extremely upset and XXXX off. I felt like they didnt believe me. I did proofed show everything on my statements proof. build the boil the blood and build getting angry because of my bank account overdraft. they not help me nothing. thy didnt do anything to help me .I decided to file a complaint and sue regions bank I decide to sue regions bank amount {$200.00} XXXX deposit back on my bank, they better owe me. up to 5 days response me I want them paid for and sue regions bank {$200.00} XXXX. I felt like they have been discrimation me because I am XXXX XXXX.
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| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft, my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud happened nor I have not benefited from any of this. I provided proof that I was XXXX ( identity theft report, the accounts, paper work from the government of my XXXX and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
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| 11/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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My bank account was wrongfully charged {$2700.00} and the merchant has written an email to me stating he would refund me the amount taken from my account. He wrote me that email on XX/XX/2022.
It has been several days and I have yet to receive my refund that I was promised.
I went to my local Regions bank branch and filed a report in person with a personal banker at Regions. The banker assured my issue would be resolved.
After hearing of no reply after 4 days, I called Regions bank.
The rep told me the dispute department denied my claim because the banker filed my claim incorrectly and because of this I had to refile my claim and was told I have to wait ANOTHER 10 days. No one called me to inform me that my claim was denied nor did I receive any email. If I didnt check, I wouldve been clueless.
This is unacceptable to say the least.
I work hard for my money and my bank is supposed to protect me.I went to the banker initially so it could be done right and now I have to wait another 10 days? This was a lot of money.
Im seriously considering leaving Regions bank over this.
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| 08/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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My father took out a HELOC in XXXX when I was 14 years of age. He died a year and a half ago on XX/XX/XXXX. I have faithfully been making payments on his behalf since he passed, and I am only seeing the balance on this loan increase, as the payments I am making are only going towards interest. Furthermore, he had XXXX and had a {$55.00} or so per month payment. Since his passing, I pay at least $ XXXX $ XXXX. He and my mother were still married at the time ( divorced in XXXX ), but the Deed of Trust lists my father as an unmarried man. My mother had no knowledge of this loan until after my father obtained it.
This is not my loan, and it is unfair that I am carrying this burden on top of losing my father, for a loan he took out when I was underage and had no say in. I request this be looked into and humbly ask for it to be forgiven all together, as I believe Regions Bank has received their {$30000.00} back that was loaned to him 16 years ago. I have reached the end of my rope here, and am asking for assistance and mercy. I can provide proof of his death certificate and obituary.
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| 07/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I have had a mortgage with Regions Mortgage for approximately 30 years with the mortgage being refinanced. I have always paid the taxes and insurance for this property. On XX/XX/XXXX, Regions Mortgage sent {$2700.00} to XXXX XXXX ( Indiana ) to pay delinquent taxes. The first letter I received from them indicated that the property taxes were for XXXX. When I contacted them and sent them information to show that the property taxes were paid in full on the property on XX/XX/XXXX ( with no back taxes owed ), they changed their story and sent another letter indicating that the payment was for XX/XX/XXXX. Those taxes were paid on XX/XX/XXXX so this amount was credited to the XX/XX/XXXX taxes. Regions Mortgage is treating this as a loan and demanding payment. This has caused my credit score to go down and I am not getting resolution even though I began the process to get resolution on XX/XX/XXXX - almost XXXX month after everything had already been paid in full. Regions Mortgage is telling me that they need to research all of this and can not tell me when this will be straightened out.
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| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?
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| 06/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!
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| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I bought a car from driver select on XX/XX/2019. The finance bank that was use was regions bank. As of now XX/XX/2019 they have not reported the loan to my credit or payments that i uave made 3 so far on XXXX, XXXX and XXXX. I contanted them on XX/XX/XXXX about they having the wrong social security at a branch in XXXX in XXXX XXXX XXXX in XXXX texas, the branch manager asked for a copy of my drivers license and social security card which was provided on XX/XX/XXXX. They asked me to give it about 10 days for the loan to show on my credit. However nothing happened. I went to the branch again around XX/XX/XXXX and spoke with XXXX XXXX which told me that it will take another 30-45 days to have loan reported to the credit bureau. I Also received a call from an agent from regions bank on XX/XX/XXXX advising me that the credit update will happen this month in XXXX. However nothing has happened yet. I spoke with XXXX XXXX again today which advised me that XXXX XXXX was supposed to be working on issue and getting corrected and was suppose to call me back. I haven't receive any call yet.
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| 07/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I closed my region visa credit card XX/XX/2019 I wrote and called and spoke to loss mitigation Dept because I wanted to settle the credit card. Region keep reporting to the credit bureau I am late in lieu of me trying since XX/XX/2019 to pay off and settle this account. I have in writing from them stating they need my income tax returns in order to settle. They have also put my name In XXXX system trying to prevent me from using a checking account or write checks I found out thru another establishment that knows my checking account is in good standards. I want my name removed out of the XXXX system and I also would like to settle my credit card with regions to be done with them. They are not cooperating but are reporting 4 late payments on a closed account that I am trying to pay off and settle with them. They are sabotaging my credit file and putting incorrect information in the system to make it look like I am writing bad checks. My new bank advise me to report them because I am in good standing with my checking and credit account with them. Please please help in this matter
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| 04/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We received the bill for our 16 company fleet fuel cards ( XXXX XXXX XXXX ).
We have had this account for more than 10 years.
One of the cards showed 4 purchases for gas in XXXX. The 4 purchases were all made within a 70 minute period at 3 locations on XX/XX/XXXX. Total of the fraudulent charges was {$1100.00}. A 5th purchase was attempted, but the credit card company declined the charge.
The card was in our possession in Kansas at the time of the charges ( it was not lost or stolen ).
Furthermore, the cards all require a passcode to authorize charges. The passcode was not used for these fraudulent transactions.
We notified the credit card company via phone and in writing on XX/XX/XXXX. Their fraud department stated that we are liable for all charges on lost and stolen cards because our company has more than 10 credit cards for the fleet. The card agreement states that we are liable for " unauthorized use '' if the card is lost or stolen. The card was not lost or stolen, and the credit card company didn't do their required authorization check of asking for a passcode.
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| 11/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Loan sold or transferred to another company
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Web |
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Re : Excess Proceeds of Sale for Property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX This petition is in respect of the above subject against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXXRegions Mortgage The above mentioned law firm and Regions Mortgage refused to release the excess procced of my subject property which was foreclosed in the sum of USD {$5200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The subject property was purchased vide Security Deed dated XXXX XX/XX/XXXX recorded in Deed book XXXX, page XXXX XXXX XXXX, Georgia but foreclosed by Regions Mortgage on XXXX XX/XX/XXXX.
Request 1. Recovery of USD {$5200.00} due to me from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Payment of interest at 5 % per annum on ( XXXX ) above from XXXX XXXX XXXX date 3. Penalizing the firm of XXXX XXXX XXXXRegions Mortgage for default We thank you for your prompt action on this petition Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX
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| 03/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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in XX/XX/XXXX I am attracted by work downtime calamities, going through a financial downturn in XX/XX/XXXX I request a request for forgiveness so as not to pay for the coming months 2 months I speak with the bank regions which the operator tells me that if I qualify for forgiveness and sent via email with the form, which was sent by me and I had no contact with them through email, I continue to send my monthly payments and in XX/XX/XXXX I find out the receipts that appear 2 months to pay which I hear that the letter of forgiveness was incomplete because the reason was not included in writing within the application, Now it appears to me reported in my credit record the 6 months as if I were trapped 30 days for each month ... that totally lowered my score which I am requesting a line of credit and I find out that all those months affected me totally having fulfilled their requests I need that please take into account the documents that demonstrate the fulfillment It is not good for me to report because of a communication error and not lack of payment or request from my partner.
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| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.
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| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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on XX/XX/2022 I deposited a check in the amount of {$22000.00} dollars to Regions Bank. I was sent 2 emails that same date stating '' we are delaying the availability of {$5300.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. ". I received a second email that day stating " We are delaying the availability of {$16000.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day.
The funds of {$5300.00}. was not made available to me on XX/XX/2022. I went to the bank and spoke with one of the financial advisors and she said all funds were being held until after XX/XX/2022. I explained that is not what the email said and I did not receive another email stating ALL funds were to be held. She read the emails and could not comment on why the funds were not available to me as stated in the first email. She said she would speak with the branch manager and MAYBE someone would contact me. NO ONE CONTACTED ME AND THE {$5300.00} dollars are still not available to me
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| 05/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Older American |
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I have a loan with EnerBank ( Now Regions bank ) for my solar panels.
XXXXm paying with autopay. Theyve changed their autopay system and charged me {$260.00} twice on XX/XX/XXXX.
I spoke to XXXX ( XXXX min wait ) on XX/XX/XXXX, she resolved the duplicate recurring payment issue but said I would receive a call within XXXX hours for refund of duplicate payment.
This call never came. I called again XX/XX/XXXX ( XXXX min wait ). Spoke to XXXX she assured me I would get a call.
Its now XX/XX/XXXX. There is no way to speak to a manager. Apparently the only way to speak to a manager is to wait for their call which never comes.
Banks shouldnt be allowed to do this. This should have been resolved on my first call.
The bank should be fined for the inability to resolve complaints.
The bank has no incentive to resolve this, or to prevent it from happening in the first place. Of course if I owed them money things would be different.
By the way I tried to resolve this online with a form - got no response.
Tried to use their text system, it doesn't work with XXXX customers.
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| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Around XXXX I submitted a request for payoff of my Regions mortgage. I received a confirmation and was informed I was good to go with my home sell. My home sell was scheduled for end of XXXX and was pushed back to XX/XX/2021 due to errors presented by the buyers lendor. I began receiving debt collection calls from regions and informed them OVER and OVER again that I had a payoff scheduled with them and that if I needed to make the payment for XXXX, then I would. I was informed by the regions customer support that it was not necessary since I was in the middle of a close-out so I didnt think anything of it until the phone calls kept coming and kept coming and each time I had to inform a new individual of the SAME information I told the previous 5 employees. Each said the same thing and told me not to worry about any more phone calls yet I did receive them. Now my home is sold, the loan is paid as I explained to Regions OVER and OVER again, and now I have a delinquent payment on my credit. I demand this be removed or I my attorney will be the next to handle this situation.
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| 03/30/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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I am in the process of selling my home. This loan obligation was satisfied in XXXX and should have been removed from the title but wasnt so my title company has been working diligently to get a payoff letter of satisfaction from Regions. Their first request was made on XX/XX/XXXX. They were told at that time that it would be 10 days. When they did not receive a payoff within those 10 days they were told transferred around to various departments until they reached the loan department and were told theyd have the Payoff Letter in 24 hours. That was XX/XX/XXXX. By XX/XX/XXXX we still had nothing so I went into the branch and spoke with a Customer Service Representative who has been very kind and working very hard to try and get the Payoff Letter of Satisfaction since XXXX on XX/XX/XXXX. He had to make a request also through the loan department and was told wed have it within 24 hours. It is now XX/XX/XXXX, the day before Im supposed to close and we still dont have the payoff letter!!! This is holding up 2 closings at this point and needs to be brought to a quick resolution.
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| 10/09/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
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Web |
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Today XX/XX/2022 at XXXX, I was sitting at home when I suddenly received text notifications for transactions I did not authorize. My physical card was in my drawer and not lost or stolen. I believe my account was hacked and the money I had worked hard for in an week was stolen in a matter of minutes! I called XXXX company immediately & reported the unrecognized transactions. They advised I wait 7 days for the transactions to be posted so that I can file a dispute. Then they said I would have to wait an additional 21 business days so that they can conduct an investigation. I feel very cheated by the way this company is handling this matter. I worked very hard for that money and life is already hard enough. This was not my fault because my card was in my house while this occurred. Its obviously a fraudulent activity and XXXX should be dealing with these types of scams immediately not weeks after the incident! My money shouldnt have been at any risk and I as a customer trusted this company with my money. They at least owe me the urgency to investigate my issue immediately.
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| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!!
Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 10/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have a text alert set up on my checking account to alert me when my account goes below {$5000.00}. On XXXX/XXXX/2015 my checking account balance dropped below {$5000.00}. I was not notified via text until the morning of XXXX/XXXX/2015. In the interim I had XXXX items clear my account which caused XXXX overdraft fees of {$100.00}. Had the alert worked properly, I would have moved funds to this account and avoided the fee. After spending XXXX minutes on the phone with Regions Bank representatives, I was only refunded {$18.00} of these fees and told that a supervisor would review refunding the remainder of the fees and call me. I did not receive a call back so I sent a secure message asking that the remainder of the fees be refunded since the Bank 's notification was XXXX days after the actual occurrence of the balance dropping below {$5000.00}. Regions responded that it essentially was not their problem that caused the overdraft as I should have better monitored my account ( which I attempted to do by setting up the text alert ) and that the alert may or may not work.
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| 08/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I mailed my IRS payment check of {$2000.00} from my office which is located at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, FL. XXXX on XX/XX/. The check was cashed on XX/XX/. I didn't realize it wasn't cashed by the IRS until I received a notice from them they hadn't received it. Looking into it at my bank, Regions Bank, the check was stolen and cashed by an individual of XXXX XXXX XXXX. I made a police report with the XXXX of XXXX XXXX XXXX police report with officer XXXX XXXX and the case number is # XXXX. It's been over 90 days now and Regions hasn't refunded my {$2000.00} and have had no written correspondence on this matter. I have called on numerous accounts and keep getting the run around. The person at the bank I made the compliant with is XXXX XXXX ( XXXX ) XXXX. I refuses to give me his manager and any additional person to talk to to get this resolved. I've been more than patient and can't even get a response. I believe there is something fishy going on her and would like to get some help. I have additional accounts with them and I'm nervous about my other funds.
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| 10/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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There is a fraudulent charge on my debit card from XXXX for {$950.00} on XX/XX/XXXX in Arizona. I called Regions Bank to have the transaction disputed. The claim keeps getting denied because they say it was a contactless authorized purchase. The card has never left my possession. I dont use e-wallets or have recurring charges on this account. All purchases on this account have only been made in Florida, specifically in XXXX and XXXX. There are no out-of-state charges on this account and I have not traveled out of Florida since the pandemic XXXX in XXXX.
The bank can not give me any information on the TMII. They can not tell me what was purchased, or if a pin or signature was used. They told me they could not give me the information they used to determine this case.
You can not escalate the call for any additional help. They can not give out information on corporate address, manager/supervisor names, departments, or even the phone numbers they are transferring you to before you get disconnected.
I did not make this purchase. I want my money credited to my account.
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| 01/19/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2021 I made a payment to XXXX using my debit card. My bank is Regions. When I made the payment in the amount of XXXX to XXXX I received a text notification with payment completion. In my regions account it was also showing pending.
2 days ago that transaction is not showing in my checking account. So it looks like I never made that payment.
For XXXX it shows the payment went thru using my card. ( I did receive a payment confirmation from the bank ).
My complaint is that Regions is delaying the transactions so you can forget about the payment and then when you dont have enough money in your account they post the payment a couple of days later. Thats when the over draft charge comes along.
I have sent 2 emails asking Regions why is my payment not deducted from my account and why is it no showing. No one has replied. So no I am making the complaint so you can investigate. This must be something that Regions is doing to collect the over draft fees by delaying the transactions a couple of days even if it showed pending and even if the payment went thru.
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| 08/17/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2023 we applied for a HELOAN at Regions Bank for the amount of XXXX dollars. The address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. We finished the paperwork and turned it in on XX/XX/2023 because their computer wouldn't take our information because it froze up. The person doing our application ( XXXX XXXX ) called the very next day at XXXX and said we were denied after they asked us what our race was the day before. Because their computer froze up we had to do it by paperwork. About one week later that was dated on the XXXX we received a welcome letter from regions Bank saying we would get the loan. We gave them all the paperwork they asked for and we have good credit. They still decided to decline us. Without any reason. We went back and asked for and explanation and put in a complaint. We didn't hear anything back. We called again and asked what the status of our complaint was and they told us over the phone with no further explanation that we were denied because we had a bad risk grade. We understand that their bad risk grade. We have very good credit.
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| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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The banks website reads that one can open an account online and get a bonus of {$400.00}.
There is a code to be applied. I tried to open the account but the system didn't allow me. Basically it is sort of false advertisement.
I got a screen that reads to call l XXXX.
I was asked many times if the bonus was offered in another website.
I told the customer service rep that it was offered from Regions.com at https : //www.regions.com/promo/paid-media-page/switch-to-regions? XXXX Page Reads : Here 's how to earn a {$400.00} bonus : Open a new personal XXXX checking account by XX/XX/2022. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * Enroll in Online Banking within 30 days of opening your account.
Make {$1000.00} in total deposits that post to your account within 30 days of account opening. Deposits must be new to Regions.
Your bonus will be deposited directly to your new checking account within 90 days of completing the above requirements.
|
| 10/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!
|
| 07/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
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Web |
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I have been a customer with Regions Bank since XX/XX/XXXX. I opened this check account in XX/XX/XXXX. On XXXX XXXX, XXXX my checking account was debited XXXX times for {$190.00} for XXXX XXXX XXXX purchases. I noticed these charges on XX/XX/XXXX and immediately went into a Regions XXXX on XXXX XXXX and filed affidavit charges. They explained to me the charges could take 7-10 days before they are reimbursed. I let them know at that point I had been a customer since XX/XX/XXXX.
There were also charges pending for {$180.00} XXXX times from a company called XXXX, and a {$60.00} charge from the same company. I filed a second affidavit XX/XX/XXXX for XXXX charge of {$180.00} that had cleared overnight. I went back to the bank and withdrew my remaining funds before the crooks continued to clear out the rest of my money. I was told at that point that I did not need to fill out a XXXX affidavit for the remaining charges. On this day XXXX XXXX, XXXX I have still not been refunded for all the fraudulent charges. I have notified the police in my city and have a case number.
|
| 03/27/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX On XX/XX/2020 I had a transaction on my debit card for XXXX from XXXX XXXX . I tried calling XXXX XXXX that couldnt give me any information because I did not have a ticket number or confirmation number. I notified the Regions back filed a claim. On XXXX the XXXX I received a response stating transaction verified with your card credentials. No report of card loss, theft or compromise.
When I initially tried to contact XXXX XXXX they couldnt give me any info because I didnt have a ticket number, but it was provided on the response from Regions. I contacted XXXX XXXX they said the ticket was purchased by a XXXX XXXX I have no idea who this is. I call Regions to reopen the claim customer service was very nonchalant. I have never filed a claim I dont deal in fraud. When I ask the rep from Regions how do you know the transaction was verified with all my credentials she responded I dont know how XXXX XXXX work, but you telling me the transaction was verified. For me XXXX is a lot of money an I can not afford to just accept this.
|
| 02/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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|
I was XXXX for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,
|
| 05/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I opened my regions Bank account in 2012. I have had trouble with excessive fees being withdrawn from my bank. It was not until 2 days ago that a lady named XXXX at Regions bank told me that the account that is seen on line by the banker is not the same way the consumer sees it. She stated that if a merchant doesn't clam the money that has been debited in 3 days the money " appears '' to be back in the account showing balance higher than it actually is. Becasue NO one in 7 years ever explained this to me nor bothered to tell me that overdraft protection does NOT protect your account from over draft fees, They have taken out in fees in the last 7 years a grand total of {$10.00}, XXXX. I believe this is an exorbitant amount!! I would like to have these fees reimbursed to me. I have talked to a banker from regions today and they said they would not be refunding any additional fees to me. They did refund a little over {$200.00} and stated that '' s all they can do for me, 2 days ago but refuse to refund any other Fees. Please help me Sincerely XXXX XXXX XXXX
|
| 05/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I used the lender EnerBank USA to cover the repair of a septic tank drain field on my property and was making steady payments since the repair in 2020. I came down with XXXX which lead to an extended absence from work, and attempted to keep up with the payments but the lender was difficult to work with.
We finally reached an agreement allowing me to set the account straight by making on time payments again, but made a payment a day later than the cutoff.
This lead to them sending the first of several letters with a payment amount that they were demanding to keep the account current with the wording that added additional penalties if the payment was not received in " ten days ''. There was no date on the letter and no date mentioned to start the " ten days '', and every time I have called or paid has not been within the ten day period leading to an almost constant compounding of fees.
The absence of the start of the ten day period in all of their correspondence seems like a deliberate ploy to keep the debt active and extort for the " late fees ''.
|
| 12/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
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|
On XX/XX/2023, I initiated a XXXX payment to a person/business under the name of XXXX XXXX XXXX email : XXXX through Regions Bank for a purchase of {$77.00} XXXX XXXX stopped all communication after receiving the money. I reached out to Regions to report the fraud.
As I awaited Regions decision, I searched XXXX and found that the person ( s ) [ XXXX XXXX aka XXXX XXXX aka XXXX XXXXl aka XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX has been busy for at least XXXX years scamming people.
I shared the above with Regions and the representative encouraged me to file a complaint and submit for a refund. They denied the refund request stating I authorized the payment. I did authorize the payment under the understanding that the person/company was legitimate.
My niece did business with the person in the past with no issues so I was clueless to this scam.
I saw an article recently where there are new requirements for banks to return the monies persons who were scammed through XXXX and like programs.
Please assist.
|
| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I paid off my credit card in XXXX and closed my account. The online access was turned off and i received no other notices or phone calls In XXXX I received a letter from a collection agency for less than {$20.00}. When the letter was received it said the account was 30 days and i should call immediately. I called and it was regarding my regions credit card ( i have banked with them for years ) and i had to call them to discuss. I called customer service and they agreed that I should have been notified. She zeroed out the account and would report it closed. and said to remove the credit mark ( the only one I have ever had ) i would need to dispute through the credit agencies and she would make notes to approve the correction to my credit. I did and they are refusing to remove the mark. I had no notification that there was residual interest after payoff until it went to a collection agency. They turned off access to my account as well. I feel this is unfair to not do what they said they would do. I have a perfect history and this has impacted my score.
|
| 08/28/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
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|
Hello, A few months ago, I tried to obtain a second mortgage with Regions Bank. My rep was XXXX XXXX. He said he " locked me in '' at 6.125 %. I showed up to closing and it was 1.75 % higher than I locked. He said he had no idea what happened and said come back in two hours and I will have this fixed. I came back in two hours, and it was the same interest rate. He said, " sign it, and send me a snapshot of the rate and I will get it changed ''. During this time the feds raided the rates twice! I was in a corner, so I signed it. He could never get it changed. I spoke to his supervisor, XXXX, and he could not help me. He basically said sorry, but you signed it. I was told it would be changed.
Sadly, the exact same thing happened to my ex-husband, whom I gave him XXXX XXXX 's number! That went over well. We exchanged multiple emails about this, and I was completely lied to. I have already filed a complaint with Regions.
I also had a lock on a loan with another bank. I did not go with that bank because XXXX XXXX promised the moon and delivered rocks.
|
| 04/14/2015 |
Yes |
|
|
|
Web |
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For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Regions/Enerbank USA- is showing a late payment on my credit history. I Initially setup an ACH draft to pay this installment and have made over 20 successful payments. I recently was made aware that this account was reporting late to the credit bureaus. I never authorize this ach to stop, never contacted my financial institution to stop. When I contacted Regions/Enerbank USA I was informed that I selected to have the payments stop when I signed up which I did not do. The company says there is nothing that they could do. This not acceptable for me as I am business owner, and my credit history is extremely important. Once I learned my payments had stopped, I paid the account in full. I need this late payment removed from my credit history. But the company is unwilling to work with me and saying it is my mistake, but I do not agree and believe it was a system error on their end. The company said they tried to contact me but their info shows up as spam via mail and phone. As when I saw the attempt to reach out once look into my spam folder to validate.
|
| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I bank with Regions Bank. I recently had overdraft fees of {$100.00} for XXXX items, XXXX of which is pending and the others have posted. Regions charged me overdraft fees for items covered by funds. There is also a credit to the account today while the transaction is pending that will cover the transaction. When calling them I asked how and why I was charged for {$100.00} for XXXX transactions rather than {$36.00} for the XXXX transaction that is a pending overdraft, they stated that it was because they did n't know how much it would be for, so they charged all items clearing and transacting that day. They stated that many people call in with the same issue all of the time. I explained that on the account ledger it looks like i was charged a fee even though the previous transactions cleared with a positive posted balance. Regions is ripping people off by charging exorbitant overdraft fees for previous transactions even when money is in the account to clear the transactions. The policy is ruthlessly arbitrary to customer 's bank account and funds.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
On XX/XX/2023 I purchased a small amount of fireworks from a temporary store located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana. The clerk verbally told me the total of {$35.00} and I paid and we left ( no receipt given ). On XX/XX/2023, I checked my bank account and saw the charge was for {$350.00}. I immediately drove the the store, but it had already closed up shop since the holiday had passed. I took a picture of the permit posted on the door, with a registration to VIP Fireworks and XXXX XXXX. I attempted that day to call the phone number associated with the store on XXXX, but no one answered. I immediately called the bank, Regions Bank to dispute the charge and filed a dispute with them. I received a denied dispute notification via mail on XX/XX/2023 that I needed to provide proof that I was entitled a refund. I have attempted to reach XXXX XXXX via email, social and even wrote letters to the addresses I had the ability to find for him, but my access to contact information for this individual is limited. I have been overcharged {$320.00}.
|
| 11/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS.
On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''.
According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more.
2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full.
3.-Insufficient prepayment activity on installment accts over the last year.
4.- Too few recent balance in full payment activities.
I pay all my balances in full before the due date.
Never in my life I have been denied a credit card before by any financial institution.
My credit score is second to none and my FICO score is XXXX.
I wander if this is a case of XXXX discrimination since I am of XXXX origin.
|
| 07/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I went out of state to Arkansas in XX/XX/2014. I was in a car accident and was in XXXX XXXX XXXX at the time I called my mother, XXXX XXXX XXXX on her cell phone from XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX withdrawaled {$4000.00} over the course of 4 days. Without my permission.
I contacted Regions Bank, to inform them that the transactions were unauthorized.
For one the card that XXXX XXXX XXXX used was suppose to be deactivated upon activation of my new card that was in my personal possession at the XXXX XXXX XXXX XXXX in XXXX XXXX, AR.
I submitted the unauthorized transactions complaint to Regions Bank. They did not pursue the complaint. Regions Bank stated, " The transactions were authorized. '' That was their response upon completion of their investigation.
I don't know all the specific dates of interactions between the bank and I. But I do still have a copy of the complaint and dates that these transactions.
I want this money recuperated to me. It was theft and it is not right that this was able to happen without consequences.
|
| 09/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it?
|
| 05/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
The person claimed to be the owner of a house that I was interested in leasing. They instructed me to send security deposit to ensure I was serious about renting the house using XXXX payment service. They instructed to send {$950.00} to the email address XXXX using the name XXXX XXXX. I had issues sending payment so I requested their bank information in order to deposit a check. The banking information they gave was XXXX XXXX at chase bank with the above routing and account numbers. I ended up getting the XXXX payment to work, so I sent it that way. They promised to send a lease and proof of ownership the same daywhile they sent a lease, it is entirely fake and they were unable to prove ownership of the house. The receipt sent for the security deposit listed the following vacant address : XXXX XXXX XXXX, XXXX, XXXX, Florida, XXXXWhen I pointed this out they stopped responding to all calls and messages. Another number found was ( XXXX ) XXXX Bank Info : Bank Name : XXXX Bank Account Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX
|
| 09/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay.
Thank you and please advise.
|
| 04/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I opened a Secured Credit Card through Regions Bank. The amount of the deposit was {$250.00}. I always asked alot of questions and I made sure to asked if at anytime I wanted to close the account would their be any problems. I was told that I could close the account at any time. A while later I was almost XXXX by my ex. I have several XXXX XXXX, XXXX, and XXXX. After I started healing I went to the bank and asked them to close my account because of what happened. They requested it in writing which I did and thought the card would be closed. It wasnt, I recieved several call and over the phone, I requested the card to be closed and explained all the above. I was told they would close the account. I havent recieved a letter nor a phone call about this matter until it showed up on my credit report today as a Write off. I am requesting all the charges, payments, the date the account was open, and what happened to the letter I gave the Teller requesting my account be closed. And why I am being charged DOUBLE the amount I paid to open the card?
|
| 03/11/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/2022 I attempted to use my new " XXXX XXXX XXXX '' to pay a vehicle repair bill of {$2200.00}. The card was declined. I called customer service and they informed me that my limit was {$500.00}. I told them that in order to use this card to run my business I would need a higher limit. They raised my limit to {$5000.00}. They also informed me that my billing cycle was 7 days. I told them I needed it to be 30 days. They said they will take care of that and I will receive a confirmation email. I never received an email and 2 weeks later they charged me a {$270.00} late fee. I was then charged a {$5.00} high risk fee. I paid the bill of {$2200.00} but not the fee. I called customer service and requested the late fees to be dropped. They said they can't drop them but will credit the account the amount of the fees but I still need to pay them. I no longer want to do business with this company and want my balance to show {$0.00}. How many people have been charged {$270.00} for a late fee. I feel like this should be a lawsuit situation.
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2021 I was contacted by a person who identified himself as a representative of the Fraud Division of Regions Bank which showed up on my phone as regions bank calling, therefore, I believed that this was a legitimate call and proceeded to follow his instructions which was that fraudulent activity had been detected on my account and in order to stop any money from being taken from my account that he would send me a text message with a 6 digit number that I would relay to him to authorize and assure that he was speaking to the owner of the account. I did exactly what I was instructed to do but was unaware that I was actually authorizing him to withdraw money from my account. I am XXXX years old and on a fixed Social Security Income and {$990.00} stolen from me causes a real hardship. I have attempted to work this with Regions Bank but they believe that I was complicit in the action that took place. How did this person get my bank account number and my phone number which is a cell number which I have only submitted to Regions Bank?
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I was charged a service fee on my now closed XXXX checking account ending in XXXX in the amount of {$8.00} to {$10.00}. I disputed the charge by phone and via Regions bank online messaging. I have since that time closed the account. It was not the first time I was charged a service fee for the same account and was able to get the credit back from them. The last charge they said could not be reversed because " It is a one time credit. I opened the account under a promotion that was never honored with the company and I sent them messages concerning the promotional offer of {$200.00} for opening my account. I opened a savings account as well and closed it around the same time as the checking account. I actually went in the XXXX branch to inquire about the service fee and closed my account.
1. I disputed a service fee of approximately {$10.00}.
2. Inquiry concerning my promotion of {$200.00} which was not honored and they strung me along by saying it is not due until next month and oh you must wait until you have had the account 180 days.
|
| 12/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On several occasions I will go to bed with a positive balance then wake up with an overdraft fee associated with a negative valve that wasnt there the night before.
Anytime my account goes negative I receive a text message and I refund the account prior to XXXX which is their cut off time.
However they process things out of order and will not give you an opportunity to correct or refund items that cha XXXX over process over night. Theres no warning and no time given to fund our account. For example on XX/XX/2021 I received a text saying my account was negative XXXX I checked my account later that day to Find it was XXXX at XXXX EST I transferred money from a different regions account exactly {$9.00} to cover the negative balance. I had a positive balance of XXXX however on XX/XX/2021 I woke up with an overdraft fee for charges that apparently process over night out of order that over XXXX my account by XXXX.
This is the XXXX time in XXXX weeks that regions has done this. They admitted their processing is XXXX but refuse to refund me
|
| 08/21/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX a payment was made, {$1500.00} to my child school via Bill Pay with XXXX. On XX/XX/XXXX I was made aware by my child 's school that Regions had called them. A regions customer had received my check from XXXX XXXX and Regions had allowed that customer to deposit it into their account. Regions said that they could not get that customer to reimburse the amount to me and I would have to take the matter up with my bank ( XXXX XXXX ). on XX/XX/XXXX I called XXXX XXXX and filed a Bill Pay inquiry to have them resolve the problem and sent the amount to the correct company. On XX/XX/XXXX I received notification that XXXX XXXX would not be doing anything else to resolve the issue. They said that Bill Pay was sent to my childs school and that 's all they could do. As of now, XX/XX/XXXX my child is now past due on her account and I have not received the money due back to me from Regions from their customer. I am taking this as a fraud case since someone else was able to deposit monies, not meant for them, into their personal account.
|
| 02/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
|
| 05/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
I opened a personal line of credit with Regions Bank on XX/XX/2014 in the amount of {$1000.00}. I NEVER withdrawn on the line of credit, and their is a negative item reporting to the credit bureau as a missing payment. Per Regions Bank their was a fee of {$35.00} that was taken on my behalf for opening a line of credit that I was not aware of. I reached out to Regions Bank to see if their is anything they can do to remove this from my credit report due to the misunderstanding, but they were unwilling to help. I also disputed this was the credit bureau to remove the negative item to no avail. The language in the loan application was not clear, and I never received any communication because I recently moved during the period that I opened the line of credit where I would have received a statement from the bank notifying me of the charge. Once again I would like to reiterate on no point in time did I withdrawn on the line of credit, and ultimately what happened was Regions Bank took the money out of my checking account with the bank.
|
| 06/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Fleetcor provided TOS that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XXXX FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case XXXX. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company Fleetcor nothing ever arrive. I am party in the lawsuit being a client the company Fleetcor has sent this account collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit
|
| 12/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I opened a secured card with Regions with a {$300.00} deposit. The money was held in an account separate from the credit card. Back in XXXX the card was automatically upgraded to an unsecured card. I was notified about this change via letter. The actual change from secured to unsecured occurred in XXXX and when I called I was told that a check was mailed on the XXXX. I called again around XX/XX/XXXX and was told that the check has 30 days to reach me and it would not be reissued until after that time. I called again on XX/XX/XXXX XXXX I was told that they have no record of the {$300.00} that was being held. I have statement that show the account with the {$300.00} however that account is no longer available on my profile. I've spoken to a few different people and there has been conflicting information given to me. The last time I spoke with someone I was told a ticket would be opened and I would receive an email by XX/XX/2021. I haven't heard from anyone and the credit card side does not seem to know what I am talking about.
|
| 01/16/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me.
Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX.
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings.
I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions.
Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.
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| 07/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Web |
|
|
On XX/XX/19 I purchased a XXXX XXXX Money Order from XXXX for {$260.00} to make a payment on My Car Loan with XXXX XXXX XXXX XXXX. The payment never was Credited to my Loan Account. I went to XXXX XXXX and they performed a Search for the payment in their system and could not find it. They told me to contact XXXX XXXX and find out who XXXX XXXX paid for the Money Order and XXXX XXXX said it was Regions Bank. I went to Regions Bank and they told me they can't search their records for it due to the Privacy Act. I asked XXXX XXXX to contact Regions, one financial institution to another to help me get the money back. XXXX XXXX said Regions would not help them. I filed complaints with FL Atty General against XXXX XXXX and Regions Bank. They sent it to the FL Office of Financial Regulation. The OFR said they could not help me on the Complaint against XXXX XXXX. I asked about the Complaint Against Regions Bank and the referred me to you. Please see all my attached correspondence and the actual Money Order in question for {$260.00}.
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My name is XXXX XXXX. I am a faithful regions customer and have nearly XXXX XXXX dollars in deposits with them ( was nearly XXXX XXXX until a few months ago ). Someone wrote a check that was fraudulent a few weeks ago and I met a region 's employee XXXX at the XXXX XXXX branch to address this. I asked him if I needed to close this account and he said no, not just for one fraud check. I went to check my account last night and a XXXX check ( or maybe ach ) had taken place. This was also fraudulent. That is XXXX dollars taken from my account!!! I am beyond frustrated and am at wits end. I know that regions has made a ton of money over the years and want to stay with them, but this is unacceptable. I need this money back in my account or I'm going to close all of my accounts and move my money to a bank that cares about me. I have waited months for a refund on the first charge and regions is not going anything!!!!
Account number XXXX.
Fraud Charges : {$9700.00} {$4900.00} This is absurd how poor regions have handled this!!!!
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Friday XX/XX/2023. I bought a door frame from XXXX 's for {$390.00}, turned out it was the wrong door. So took it back and was refunded {$390.00} from XXXX 's. I then bought the right door for {$390.00}. I checked my bank account and it showed {$390.00} for the first door bought then it showed {$390.00} returned from XXXX 's because of the door I returned and the account showed where I bought the second correct door for {$390.00}. So the money was taken out and then returned and was taken out again. The next day I looked at my account and there were 2 charges of {$390.00} for a total of {$780.00}, it did not show where XXXX 's had returned the {$390.00} nowhere on my account, not even in the pending section. Regions was just sued and lost for manipulation of customer accounts collecting overdraft fees. Of whitch they have do to me over the last 35 years numerous times. They are still doing the same thing. I have never seen not XXXX XXXX from all the lawsuits. I want XXXX XXXX dollars in compensation from them for bank fruad.
|
| 09/01/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.
|
| 05/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I had three transactions that were presented to the Bank when the bank account had a positive posted balance and a positive available balance. The next day, two of the transactions cleared the account. On the same day, a fourth transaction was presented that took my available balance negative, but not my posted balance yet. They charged insufficient funds fees on the two transactions that were presented when the available balance was positive and that cleared when the posted balance was positive. Then on the next day the 3rd and 4th transactions cleared my account, and solely because of the fees, I no longer had funds to cover the 3rd transaction. They were justified in applying a fee to the fourth transaction. But the first 3 fees were completely unjustified. After speaking with them, they admitted that is how they handle the fees and as a courtesy, they refunded 1 of the 4 fees. The fourth transaction was for {$12.00}, and would have dropped my account balance to $ ( XXXX ). They have charged me {$98.00} because of this.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
|
| 09/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XXXX : XXXX XXXX - credit line of {$130000.00} XXXX XXXX XXXX - agreement to make 180, prime rate payments of {$830.00}.
Maturation XX/XX/XXXX, with a {$25000.00} balloon note.
XXXX : The BANK CALLED ( unidentified, later ID REGIONS ) " We are going to have to raise your interest rate to 6.74 %. ". There were NO signed documents replacing the original XXXX XXXX agreement giving REGIONS authority to collect for the loan. REGIONS could not produce the XXXX. XXXX agreement. They were furnished a copy of the original from MY FILES. One specific remained ie : Loan number. Maturation CHANGED TO XX/XX/XXXX XXXX : REGIONS - In bank meeting - ... '' Balloon note is {$25000.00}. '' XXXX REGIONS - Title search, real estate mortgage, subordination to First Mortgage, NO balloon note, expected principal balance at maturation {$94000.00} XXXX REGIONS - New 15 yr, 4 %, principal has been paid down to XXXX
PROBLEMS : # 1 - Line of credit originally ; # 2 Absolutely NO documentation of REGIONS loan. # 3 MANY SLEEPLESS NIGHTS AND WORRY
|
| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I went to Regions Bank at XXXX XXXX XXXX XXXX in XXXX, Texas and inquired about a home improvement loan. I told XXXX XXXX that I was just looking at interest rates at that time. I intentionally did not sign or authorize anything or because I did not want a hard inquiry in my credit report nor did she tell me that she was going to. Not only did she do that but she also miss-typed the name of the company I have worked for for 20+ years which added another employer to my profile. The correct spelling and the new miss-spelled one. I reached out to Regions to get this fixed but they just reply with how " I need to fix it ''. I asked them on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and all three times received the same message back from them on the website www.regions.com.
With this new " hard '' inquiry, my credit score has dropped to XXXX and it looks like if they don't do something, it will be on my report for at least 2 years. How can they just run my credit without my authorization or at the very least ask me if it was okay?
|
| 04/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
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
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I sent certified mail to XXXX disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with XXXX and included a copy of the XXXX XXXX of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think XXXX is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to XXXX, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.
|
| 03/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2021, I opened a checking account with Regions Bank XXXX, SC. I gave them a check from a local bank for {$1500.00}. I was given a Debit card which the banker said was good now. When I tried to use it that night it was declined for a {$.00} senior drink. I called customer svc but closed. Called next morning and was told there was a 10 day hold put on my check and the local bank did it. He said the Main ofc did it. He released the hold. My daughter, an attorney, said it is against the banking laws to put a hold on a local check.Then the main bank in XXXX, AL sent me an email and regular mail letter saying they put the hold on the check because " they had confidential information that the check may not be paid ''. The bank on which I wrote the check said they could not get that information. I talked to the Branch Mgr of the XXXX XXXX and he gave excuses why they put the hold.on. I had enough in my account to pay that check and it was paid that night. I want something to be done so they do not break the law again.
|
| 03/26/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hello, On XX/XX/2019, I applied for a line of credit with Regions bank for {$40000.00}. The home does not have any liens associated with it nor does it have a mortgage. I was declined for the line of credit due to my credit. However, I met the score requirements and the other requirements for approval. Furthermore, I contacted the mortgage division through phone and the rep stated " The amount of the loan was too much for my property. '' No one did any comps on a property in two hours in order to make that determination in such a small amount of time. My banker even responded with a lower number, the underwriter still did not approve it. Once again the banker and the mortgage division rep stated the same thing, " it's your credit. '' It's no way my credit was an issue, because I met the requirements. I truly believe Regions declined my line due to the fact I was XXXX and staying in a predominantly XXXX area. The fact that the underwriter did not respond with a lower number, further lets me know something is not right.
|
| 12/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.
|
| 12/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
I'm being asked to come to branch with my identification for the second or third time, the first two times yeilded no understanding or any resolution this has been going on for two years now, they're taking funds without giving me access.It has been very hard to get anything clear on the matter.They said something about an investigation but I heard nothing after that, I wanted to close the account with them but haven't been able to a year or so ago, forgot about the account got back in touch with them and they're saying the exact same thing they said two years ago. {$2900.00} is down to {$2000.00} no no clarification just fees and they refuse to close the account so can't take my business elsewhere, litterly being held hostage and being treated like a criminal ( just come to the branch with my identification and nothing ) This is the XXXX XXXX XXXX in FL. and now XXXX too something isn't truthfully being said broken trust.Please can you look into this matter involving checking & savings Regions Banking Practices
|
| 10/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
Wired {$10.00} to my Regions checking account 0n XX/XX/21 from another bank to determine if the transfer information setup was correct. It did work but I found when receiving my statement they had charged me {$15.00} dollars fee for the wire transfer of {$10.00} when receiving my monthly statement. Called the Regions XXXX XXXX XXXX and tried for an hour to speak to management ( in meeting ) until they transferred me to a local bank who manages my account. XXXX XXXX, bank manager upon answering told me the {$15.00} dollar charge had been removed. The refund was correct but I felt that if I and others do not read the monthly statement carefully the charge or overcharge would not be noticed since I did not know about the charge until I saw the entry on my bank statement.To me this is a deceptive manner in conducting banking business. Depositing money in ones banking account by any medium should be free or no strings attached unless clearly advertised/notified in particular before the wire transaction is initiated.
|
| 03/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
We obtained an equity line from Regions Bank in XXXX, 2016. We were n't given the loan documents prior to signing them and still have not been provided with executed copies. We were told on more than XXXX occasion by the loan officer prior to signing the loan documents that we would not have to pay a {$1500.00} prepayment penalty if we closed the equity line within two years, if the reason for closing the equity line was due to the sale of our home. We recently sold our home. When we ordered the payoff, Regions included the {$1500.00} prepayment penalty in the payoff. We then spoke to the loan officer who confirmed that he told us we would not be responsible for the prepayment penalty if we were closing the equity line due to the sale of our home. He said we should n't be responsible for the fee and would work to get it waived. When we did n't hear back from him, we spoke to the area Vice President. Despite confirming the representations made to us, the area Vice President said Regions refused to waive the fee.
|
| 06/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
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.
|
| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Starting in XXXX XXXX I applied for a loan to build a house with regions mortgage in XXXX Al XXXX and the person I started with was doing a good job with the process of get every thing done in a timely matter. Then she left the company and I got passed on to someone else that was doing a great job with process also and then he left the company and I was passed to a XXXX XXXX who has did nothing since I have spoke with her but lied as if she is working on my loan. So I asked to speak with her manager XXXX XXXX and she did call me back after I called her abo ut three times and left a voice message on my phone. I called her back and left a message for her to call me back. In the message she said she would me Monday the XXXX so I called her again. NO CALL BACK. My credit is good and I have my own money for my down payment. It 's now XXXX and still I 'm at phase XXXX so all I can say is maybe they do n't want to help me. So please tell me what do u call this issue that I 'm dealing with.
|
| 04/22/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2020 I purchased a washer and dryer for a total of {$770.00}. The items were delivered and neither one of the items worked. I contacted the retailer multiple times and got no satisfaction. As a matter of fact the retailer told me they didnt give a XXXX. I contacted my bank REGIONS to dispute the transaction. Note I cant just pick up a washer and dryer put them on my back and carry them back to the store. However both products are defective and the retailer will not respond to my phone calls. And I contacted them the same day within hours of delivery. I reached out to REGIONS my bank the next day. My bank Wants to deny my dispute because I cant prove I returned the washer and dryer. I dont have a truck and Im not gon na pay another XXXX dollars ( what I had to pay to have them delivered ) to have them sent back. The retailer is more than welcome to come and retrieve the product. But if I take them back they can blame me for them not working. I thought banks were supposed to protect their customers
|
| 04/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX of 2018, someone used my personal information and opened up two accounts with Regions Bank, one checking account and one credit card. I resolved this with Regions Bank at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called XXXX XXXX saying I owe them for an unpaid debt from Regions. I have tried to resolve this with the collections agency by letting them know this was already taken care of with Regions, but they said I need to deal with Regions to get the account closed. When I called Regions Bank, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I had about XXXX dollars in unauthorized charges posted on my account XX/XX/20. I called the bank as soon as I noticed the unauthorized charges and was placed on hold for over an hour.Once I reached someone I was told to go into the branch on Monday. I went into the branch and wasted another hour only to be told the charges hadn't posted. I was told to call the next day and I could file a claim by phone. In the meantime one of my accounts are overdrawn due to the fraudulent activity and I had no access to my other funds because I had to cancel my debit card. Then I was treated like a criminal cause I asked for XXXX dollars of cash that is rightfully mine. I called the next day on XXXX and was placed on hold again for over an hour only to be told it would take them 10 days to fix my account. In the meantime my paycheck will post in 5 to 6 days to be entrapped in the chaos that regions refuses to resolve. My card has been in my possession so who is to say the thief is not regions from their lack of concern.
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
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!!
|
| 07/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
In XX/XX/XXXX, I got a small loan from EnerBankUSA through XXXX XXXX to replace a sewer line. In XXXX XXXX, I tried to contact them about increasing my payment but couldn't talk to anyone or do it through the EnerBank website. After a frustrating month, I learned that EnerBank had been bought by Regions Bank. I tried repeatedly to talk to Regions about the EnerBank loan but they didn't even know that Regions bought EnerBank. The most recent conversation on XX/XX/XXXX, I was told that Regions didn't service EnerBank loans. I got a letter from EnerBank saying I owed {$23.00} in addition to the required payment- for what? The customer service number on the letter has been disconnected. Tried to access my EnerBank online account which says they don't recognize my email- the same email they send payment reminders monthly. Federal Reserve told me that Regions bought EnerBank in XXXX. I did not receive a XXXX annual statement from EnerBank or Regions. Where are my auto-payments going? Who is servicing the loan?
|
| 05/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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|
Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.
|
| 11/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American |
|
Approximately a year ago, there was a fraudulent attempt on my account to use the integrated XXXX application to transfer money out of my account. I caught it in time and asked Regions Bank to disable my integrated XXXX app which they did.
A little over two months ago, I was elected as XXXX of an organization and needed to use the XXXX app to receive funds from the members such as dues, contributions and other activities. Since I asked them to reactivate it, they have been unable to do so. The first couple of attempts resulted in my XXXX account having a block still on it. After several more attempts, they advised that it was fixed. Not so. I can send money with it but can not receive money which is exactly what I need to do.
The bank has been rather cavalier in their approach to correcting my problem. I have even suggested they contact me one a week for an update on their progress. They have not done this.
There must be a fix to this problem but they seem in no hurry to discover what that may be.
|
| 10/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/2018 I paid an amount to settle a debt in full to REGIONS Bank, and the payment has cleared and was accepted by Regions Bank as complete settlement. A confirmation was recieved from Regions Bank confiriming via mail, email, and phone. I have reached out to Regions Bank regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely.
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| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but regions proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
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| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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On XX/XX/ at XXXX XXXX I attempted to make a cash deposit of {$340.00} into the ATM at regions bank .. the atm screen showed an error message, my deposit was not debited to my account and the atm did NOT give me my cash back. I IMMEDIATELY tried to check my balance following the transaction to see if the cash was deposited and it was in fact NOT deposited. I then immediately called the regions customer service line and filed a complaint while still sitting at the ATM. I did not leave that atm until my claim was filed. Now almost a month later, I have received a letter stating their atm was in balance and they are taking my money. THAT ATM ATE MY MONEY. I WANT the camera footage pulled up and my money left ALONE. I will be filing more and multiple complaints with Regions until this is resolved. I took pictures of the ATM that caused the issue I immediately called without leaving the ATM. I want the camera footage if you can not fix this error on your own. That is MY money and their ATM made a mistake.
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| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
When I realized I used money in my acct that was for a bill I checked the acct on XX/XX/XXXX ( Mon ). The check wasnt posted and my balance was {$2.00}. I rushed to the atm and deposited {$160.00} cash. The receipt shows my cash deposit and the available bal being {$160.00}.
On XX/XX/XXXX I checked acct and balance was {$2.00} and the checked cleared. On XX/XX/XXXX I checked my acct and balance showed {$160.00} and showed the check cleared on XX/XX/XXXX then returned on XXXX and my cash deposit was posted in XX/XX/XXXX. What?
In last month they have had problems with notifications being sent 1-2 days after the transactions. XXXX at Regions Bank told me theres a glitch in the system and my check was already in process. That doesnt sound right my cash deposit was posted on XXXX and my check posted on XXXX ( according to them ). Wrong- it was in reverse. I have a receipt showing the truth. Now the check for my water bill bounced and they will never allow me to write a check to them again. Please help.
|
| 08/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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Regions Bank is charging me for pending transactions. As of Tuesday ( XX/XX/19 ) morning, I started the day with {$4.00}??. After using the card throughout the day I needed to deposit {$32.00}??. I deposited {$20.00} before XXXX and then at approximately XXXX I deposited {$13.00}. Now, Wednesday XXXX XX/XX/19 XXXX, my account is overdrawn by {$71.00}?? because of {$72.00} in Overdraft Fees for all of Tuesdays pending transactions. I have contacted them regarding this and they refuse to refund the {$72.00}. I spoke with three people, including a supervisor. I was told that Regions charges for pending transactions. How can a bank charge for pending transactions. A person can not even dispute a pending transaction until it finalizes. What if the merchant were to credit the consumer? Regions is stealing money!!! I have all of my text alerts, printouts and ATM receipts to prove everything regarding the account activity. This is going to cause more overdraft fees when the transactions actually finalize.
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I received an email notification that a my checking account card had been charged two separate transactions by XXXX XXXX on the XX/XX/2020. One transaction came to {$47.00} and the second transaction for {$31.00}. I notified my bank on the same day and subsequently cancelled my checking card and was notified I would be refunded.
Several days later I was refunded.
Some weeks later I was written to by my bank and notified the claim had been denied and that the two sums totaling {$79.00} would be charged back to my account which occurred in the first week of XXXX.
I called my local branch to complain about this and scheduled an appointment to speak with a banking representative in person. The representative told me this transaction was in New York and expressed surprise the claim had been denied and said he would reopen it.
I have now been notified my claim has been denied for a second time with the following reason cited. " There is proof from the merchant that the transaction was valid ''.
|
| 06/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX my card was misplaced, the next day ( XX/XX/XXXX ) someone removed XXXX from my account which made it under. The very next day ( XX/XX/XXXX ) another transaction for {$100.00} was once again withdrawn from my account. Once i found out my bank was under on the XX/XX/XXXX due to me being locked out my app. I filed a claim Saturday XX/XX/XXXX about both withdrawal and was told to contact the bank Tuesday but to the holidays on Monday XX/XX/XXXX. Come Tuesday XX/XX/XXXX i was told there was no information provided. So Friday XX/XX/XXXX, i go to Regions Bank to get a new card and was told my claim was denied due to my pin being used, i received no call or email. I informed then that i write my pin on my card so i wont forget it which i know im not the only person who does that. But i felt they were basically saying oh well keep up with your stuff and your money wont get taken. People lose their bank cards daily and dont be knowing it but we get faulted for it. Not fair, what should i do?
|
| 10/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
|
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I had an account with regions i told them I didnt want to set up auto transfers and they did it anyway after i noticed it i canceled future transfers and now they transfered money from my checking to my savings and charged me a XXXX dollar fee and then went into my savings and took XXXX dollars out for a monthly maintnece fee this has to be illegal i understand the XXXX dollar fee and i would have to pay that each month but to charge my account for putting money from my checking that was XXXX cents into my savings all within the same bank and now my account is closed and i cant get an account due to this i am negative XXXX dollars and refuse to pay this for i didnt cause this and it is just a way for them to make money and i want this fixed and they offered me a settlement that still works in there favor taking XXXX dollars off the balance that isnt an offer or settlement and someone needs to do something about this bank they need to be shut down and given to another bank they are horrible people
|
| 04/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/23 Account was hacked twice for {$1000.00} twice by the same person. Bank determined that first {$1000.00} taken was fraud, but said we authorized 2nd transaction. Bank alerted us to fraud when a third transaction, by same person, was attempted. We have provided multiple pieces of evidence to show we did not make nor authorize these transactions and it makes no sense to us how that bank could say one transaction by the same person was fraud but the other was not. They have refunded the first {$1000.00} but refused to refund the send transaction of {$1000.00}. Evidence provided are 1 ) Fraud alert from bank with same transaction name, 2 ) phone data usage that shows our phone were not in use at the time of the transaction, 3 ) fraud alert text from XXXX XXXX on third attempt for {$500.00} from same person.
Will submit all evidence upon request.
Also, person in question has recently been arrested on other unrelated fraud charges, according to the person we were working with at our bank.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Since XXXX of last year we have tried to rectify this with Regions bank. The Regions branch has had numerous problems since switching to a new loan service. I.E. duplicate account number incorrect payments posted and all sorts of issues. As an ex-employee of Regions bank, my office manager has more insight to the issues the company has than most. We have asked repeatedly for them to find a check that cleared our account for XXXX $ in XXXX that would have caught all late fees up. They refuse to answer and our find the missing funds. The account on the branch side also says current and not due till the following months when payments are made. We have already submitted one complaint to the CFPB that was half answered. Late fees can drag on an account but the account will still advance and show current. Regions has reported 2 months late that were in fact current if they would find their mistake in the missing XXXX check but also in the fact that minimum payments were made according to the branch.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/2022 i made a {$5.00} charge. The Regions credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. Regions service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day Regions denies automatic payments were set up or offered. However, Regions sent an apology letter admitting the service was offered, I did set it up, and Regions service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
REGIONS BANK HAS MY CREDIT SHOWING ADVERSE XXXX BALANCE MONTHLY PAYMENT XXXX THIS CHARGE CARD HAS BEEN XXXX BALANCE FOR YEARS USED IT ONCE IN XX/XX/2022 RECIVED A STAEMENT IN XX/XX/2022 PAYMENT WAS DUE XX/XX/XXXX I PAID IT SEVERAL DAYS LATE NEVER OVER XXXX OR CLOSE TO. I PAID IT IN FULL XXXX AND RIGHT AFTER PAYMENT RECEIVED A LATE NOTICE CALLED ASKED WHY XXXX SAID NOT SURE YOUR BALANCE IS XXXX AND WAS NOT OVER 30 DAYS NEXT MONTH AND NEXT MONTH AFTER XXXX STILL RECEIVING LATE NOTICES I HAVE RECORDED CONVERSATIONS FROM XXXX REPS AT REGIONS THAT COULD NOT TELL ME WHY LATE NOTICES WERE BEING SENT TO ME, CHECKED MY CREDIT THEY HAVE MY CREDIT ADVERSE SHOWING XXXX BALANCE AND XXXX PYMNT A MONTH. PAYMENT WAS XXXX WHEN I RECEIVED THE STATEMENT AND PAID IN FULL LEAVING XXXX XXXX. REGIONS HAS PUT A FRADULANT DEROGATORY ON MY REPORT. THIS HAPPENED AFTER I PUT A BAD REVIEW ON XXXX. NEEDS NEED TO BE CORRECTED AS SOON AS POSSIBLE THEY ARE RUINING MY CREDIBILITY BY FRAUD THE PAYMENT NEVER WENT PASS 30 DAYS
|
| 02/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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My name is XXXX XXXX XXXX and I would like to complain about my banks handling of an ATM incident. On XX/XX/22 around XXXX, I attempted to withdraw {$500.00} from the Regions ATM located at the XXXX XXXX XXXX on my statement as Student XXXX XXXX XXXX LA XXXX XXXX. The machine went dark and I did not get my money. When I checked my account via my app, I noticed that they had deducted the {$500.00}, however. The last XXXX digits of the card I used was XXXX.
I then filed a claim with my bank and was told it would be XXXX business days for them to complete an investigation. After XXXX days passed, I called again and was told XXXX days for processing. After XXXX days, I was told it would be up to XXXX business days to process, and on the XXXX day, they sent me a letter declining to reimburse me for my loss without mentioning why.
I did manage to snap a photo of the blank ATM at the time and I have included this in my complaint as well as a screen grab of the location and time stamp on it.
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
1 ) Last summer when I 1st opened up the account they had misspelled my name 's on my ATM cards at this Regions Bank and then the 2nd card they mailed to a false address I went quite a few days and weeks without a functioning ATM card.
2 ) Last XXXX I had my entire bank account wiped clean from an online predator and I filed reports with the FBI and the police department and Regions Bank never refunded my money and they're supposed to be FDIC insured 3 ) And lastly and without just cause I deposited a check last Friday they're saying they're holding it for over 2 weeks and they will not give me the reason why I am in serious financial hardship and now because of the Corona virus not being able to work are having an income it's really put a stress on my day-to-day life eating gas and my bills I have filed several complaints with multiple agencies as well as the bank but they will not do anything about it they wouldn't refuse to give me back my check and they refuse to deposit the money.
|
| 09/11/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
Older American |
|
On XX/XX/XXXX, I received a letter from debt collection agency XXXX XXXX XXXX XXXXXXXX, CO indicating that the collection agency was attempting collect {$11000.00} from credi card company XXXX Fleetcor Mastercard.
The agent XXXX XXXX stated that in XXXX a fraudster made an online application for a fuel credit card under the name XXXX XXXX ( made up ) using stolen identity. I was unaware and authorized none of this.
The fraudster used fraudulent docu sign indicationing that I was the signer and guarantor. That was not me nor authorized and a criminal act.
I filed a fraud report with XXXX Fleetcor Mastercard but I havent heard back, a police report of identity fraud with the XXXX County Sheriffs Department ( report XXXX ), and informed XXXX XXXX ( XXXX XXXX ) of the fraud.
I subscribe the a credit monitoring service with XXXX with XXXX XXXX. No inquiry was made by Fleetcor in XXXX before or after on a new credit. I also checked checked XXXX XXXX XXXX XXXX who had no inquiry as well.
|
| 10/15/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my payments
|
| 04/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions XXXX , on Monday XXXX were claim to them to transaction s one fro m XXXX for {$30.00} another from XXXX for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at XXXX XXXX in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is two extra overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday XXXX when the claim from XXXX and XXXX came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday. XXXX
|
| 10/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.
|
| 02/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
This is a complaint about Regions Bank and a warning to everyone out there about this banks on-going promotional frauds and consumer abuse. They advertise numerous promotional bonus offers to consumers to open a new bank or credit card account - offers which specifically offer dollars bonuses ( {$100.00} ) - but BEWARE - after you sign up - getting the actual bonus will be an outrageous hassle. This bank appears to have an organized scheme to delay and deny ACTUAL PAYMENT OF THE BONUSES by stalling hassling and denying consumers under the guise of " confirming '' or verifying '' whatever comes to mind to frustrate the attempt to collect the bonus. Even letters to the president and CEO wo n't work. All you will get is more hassles. This bank is crooked in this regard so I would advise anyone and everyone to avoid opening ANY accounts with them. I am making Consumer Protection complaints and publishing notices everywhere in an effort to combat Consumer Fraud and Abuse by Regions bank.
|
| 06/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
We were victims of wire fraud- the real estate agency that we were working with emails were hacked and my husband deposited {$350000.00} into The Regions Bank based in XXXX XXXX AL in an account on XX/XX/2023 the wire was supposed to be sent to Title Agency and had the title agency name and our name.
The Regions Bank accepted this wire in the account with a different person name ( knowing it was not the title agency ).
We have tried numerous times to recover this money and they refuse- even though they know it was done due to fraud.
We want to report The Regions Bank for failing to respond/ refund fraudulent money.
We know the money is still in the account- we have talked to a nice teller lady.
The longer this goes on- we will not get our {$350000.00} back which is most of my life savings!
I need someone to please help us.
My name is XXXX XXXX and my phone is ( XXXX ) XXXX and my email is XXXX.
I need assistance in recovering my money Thank you for your time Sincerely XXXX
|
| 06/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
There are five steps to submit your complaint : Step 1 : What is this complaint about?
XXXX XXXX I paid my credit card off.
Went to bed and forgot I paid it off and when I woke up i paid it off again the XXXX of XXXX.
Step 2 : What type of problem are you having?
The XXXX of XXXX I realized what I had done and called the credit card company and asked them to please deposit my money back into my checking account and was told the bank would have to do it and get InTouch with them Monday.
Monday came and I went to three branches and never go an answer other than they have the right to keep your money for three days.
Three days came and went and my bounced accounts kept adding up.
Step 3 : W
hat happened?
I'm now up to about XXXX XXXX in insufficient funds, if not more by now.
Step 4 : What company is this complaint about?
My Checking account is with Regions Bank and my credit card is with Regions bank.
Step 5 : Who are you submitting this complaint for? Myself, XXXX XXXX
|
| 05/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is for Regions Mortgage. I am currently a co-signer on a mortgage for property located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. My niece XXXX XXXX makes the payments. As stated above, I am the co-signer ( XXXX XXXX ) for this mortgage loan. When my niece does not pay the mortgage on time and is over 30 days past due, Regions sends a derogatory remark to my credit report, as co-signer. I have called Regions Mortgage numerous times and asked that they call me and notify me when the mortgage payment is over 10 days past due so i can follow up with my niece or make the payment. They tell me that under the law they do not need to notify me however the reason why I'm filing this complaint is that they should be notifying me when a payment is late as I am the co-signer and responsible for the payment if my niece does not pay. They are hitting my credit report and I would not think this is legal under the fair credit reporting act. I appreciate your assistance on this matter.
|
| 09/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I closed on a home w/ Regions Bank as my Lender. On XXXX XXXX, I was called in for a meeting with the Builder, Regions Bank & the Title Company that handled the closing.
During the meeting Regions Bank admitted a financial worksheet had errors on it, but they did nothing wrong as a Bank. They also said they unilaterally decided for me to pay some of my costs ( close to XXXX ) to the Builder directly, post closing. This was the first time I EVER heard of something like this! No one in the meeting besides Regions Bank, had of heard of anything like this either. This is a huge issue for me financially for more reasons than one.
I'm afraid I'm going to be stuck to continue to pay for my rental AND the new mortgage because the Builder is saying he doesn't have the funds to complete the home.
I'm begging for someone to investigate this with Regions immediately, because this is a Financial and Emotional burden on me and my Family.
Thank you in advanced, XXXX XXXX
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and Regions Bank replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by XXXX. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency XXXX, XXXX and XXXX delays are still reported. In the reply from XXXX Regions, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.
|
| 12/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I paid for an apartment in Colorado through the XXXX XXXX XXXX, which is connected to my Regions Bank account. The scammer sent me a lease which made things seem legit. XXXX being connected to my bank was also reassuring. I sent {$1500.00} for an apartment that did not belong to the scammers. As soon as I realized what was up, I got the local police involved. The police found that the apartment I was trying to rent was owned by someone else in another part of Colorado. They had no idea someone was trying to rent out their place. And now, neither XXXX nor my bank, Regions Bank, have helped me. If XXXX hadn't been connected to my bank, I never would have used it. The banks that partner with XXXX should be held responsible for fraudulent transactions. It's obscene that there is no accountability for XXXX. After I was scammed, I read that I was not the only one. Whole websites have been developed to help people that have been defrauded by the company and by association, their banks.
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
Since XXXXXXXX XXXX XXXXXXXX we have had a fleet fuel card for our company cars thru XXXX 's. We started noticing about 6-8 months ago they were charging a " Credit Risk Assessment Fee '' of {$150.00}. We have always been able to get that fee reimbursed and get some type of " Free '' 3 months without the fee after getting it credited back. The last one came in XXXX XXXX XXXXXXXX and I notified them and they gave me a credit back of this fee the following month but then charged it again. Before noticing I paid my bill in full and closed the account. Now our bookkeeper noticed the fee I am trying to get this credited back to me. XXXX 's is refusing to give me the credit because the account is paid in full and closed.
Through the lifetime of this card XXXX 's has been trying to get me to take out more credit with them and we have always refused because of the fee.
I believe this is fraudulent and it needs to stop because I am sure they are doing this to thousands of customers.
|
| 01/20/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2022 I called Regions Bank from a XXXX result for HELOCs. After speaking with a representative, XXXX XXXX who took my information and submitted the application, I got a call back a few hours later, from the same representative, saying I was approved and they had given a counter offer of {$18000.00} before the appraisal, and it was guaranteed regardless of what the appraisal came back at. That is something at the time I had her confirm, so to be sure it was guaranteed. Then on XX/XX/2022 the appraisal came back lower than the XXXX XXXX, and they immediately closed my application, did not honor their word regarding the counter offer, and I believe the appraisal was a very poor representation of the other sales in that neighborhood, the condition of my house, and the current house market in the XXXX XXXX area.
I have had no luck trying to talk to Regions about their lies and inaccurate appraisal, as they said the application is closed and there is nothing they can do.
|
| 04/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect.
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/XXXX
|
| 06/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Regions Bank, XXXX XXXX XXXX, XXXX XXXX XXXX Bank Officials XXXX XXXX and XXXX XXXX XXXX Customer Service I have received two notices concerning my mortgage payments, they are delinquint and am being charged fees. Since I started payments on the mortgage XX/XX/XXXX I have always made my payments sometime a little before to a little after the date, this last month I have been falsely accused of missing a payment. My loan details can be confirmed that I have made payments, they have been posted, and no issues until now.
I have sent copies to the bank in Mississippi requesting the fees be dropped and any negative comments on my credt if any to be removed. I have paid the late FEE of {$250.00} as of XXXX XX/XX/XXXX just to avoid additional issues. I make my paymenys electronically and always have since my account has been active. This unfair and unjust action against me has caused severe emotional XXXX, lack of sleep and constant worry. Please help. Respectfully XXXX XXXX XXXX
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Today I was charged an overdraft fee of {$36.00}. Prior to the overdraft my account had {$170.00} after I received a direct deposit and the negative balance was paid. I withdrew {$160.00} from the ATM and was told that this withdrawal caused the overdraft fee, however my account was not in the negative at the time or even today before the fee was applied. In addition to this I was told conflicting information that the fee was due to a transaction from XXXX that went through on XX/XX/XXXX when at that time it was also in the positive. I spoke to a representative and even requested a supervisor to look at my account and reverse the fee but they both affirmed that the fee was not a bank error even though their records cant justify why the fee was charged.
Lastly I had verbally opted out of overdraft protection a month ago when I spoke to a customer service rep, when I was made aware of their fees and process yet this was not done and they continued to process transactions.
|
| 02/09/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Regions bank is finding ways to rob consumers of their funds. I had {$46.00} in the bank when XXXX charges came through for {$39.00} & {$6.00}. There was enough funds to cover XXXX of the charges, but they charged me nsf fees of {$36.00} each for both charges. This is bank robbery but Regions Bank is the one doing it. They are finding creative ways to steal from their customers XXXX/XXXX/2016 FEE MONTHLY FEE {$8.00} - {$82.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$74.00} XXXX/XXXX/2016 DEBIT PAPER STATEMENT FEE {$2.00} - {$38.00} XXXX/XXXX/2016 CARD XXXX XXXX {$39.00} - {$36.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} {$3.00} XXXX/XXXX/2016 CARD XXXX XXXX {$6.00} {$39.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$11.00} {$46.00} XXXX/XXXX/2016 DEBIT LOAD TO CRD # XXXX {$5.00} {$34.00} XXXX/XXXX/2016 CARD XXXX XXXX {$36.00} {$39.00} XXXX/XXXX/2016 DEPOSIT DEPOSIT {$63.00} {$75.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$7.00} {$12.00}
|
| 04/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In XX/XX/2018, after opening an auto loan with Regions, I received an offer via email for a {$300.00} checking account bonus and an additional {$100.00} savings account bonus. I have fulfilled all requirements for these bonuses but after repeated attempts to contact/resolve the issue, I still haven't received my bonus.
The checking account offer required me to open a XXXX checking account by XX/XX/2018, then enroll in online statements and use my debit card to make 10 or more purchases within 30 days of opening. I opened my account on XX/XX/2018 and more than 10 debit purchases posted by XX/XX/2018. I have been receiving an $ XXXX monthly fee ever since, while I try to find a resolution.
The savings account offer required me to open a XXXX savings account by XX/XX/2018 and set up monthly automated transfers of at least {$25.00} from my checking to savings. Two transfers must be completed by XX/XX/2018. My two monthly automated transfers were completed on XX/XX/2018.
|
| 05/11/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.
15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.
For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.
I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports.
This is an invalid late payment.
The FCRA allows 30 days for this to be rectified.
|
| 04/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I called Regions Bank on a weekend after looking at my account. I noticed two charges on a account XXXX This account has never been accessed. There were two duplicate charges on XX/XX/2023. One of the charges was removed. I inquired about the other discrepancies. The gentleman left the line briefly. Once he returned, he told me it was due to fraudulent activity. He also said one of the charges was recovered on XX/XX/2023. I asked why both charges were not removed? He stated, he did not know. He also stated, the other one should be removed within a day or two. This possibly due to the fraudulent activity. I later made a claim after ten business days. I was told to allow five more business days. I waited those days. I received a letter dated XX/XX/2023. It said the investigation was completed. The merchant posted a credit XXXX. I stated to everyone there were duplicate transactions XXXX! There was a phone number XXXX XXXX to call. Once I hold on the line, no one answers.
|
| 04/08/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 I was to check my bank account and noticed there is transaction that pertains to company Comdata. I do not have account with them, nor purchased any services from them. They withdraw from my account {$4300.00}, and made my account to go into negative status. I attempted to call them at multiple phone numbers : and finally got to XXXX at XXXX. She listen to my compliant and transferred me to XXXX, who was very rude, and transferred me to XXXX. I told to XXXX XXXX would like to know how did they get my account info, and she told me : Call your bank, we do not have anything to do with that. I stated to XXXX, that I am, and that they will be reported to Government agency for hacking into peoples accounts, and getting money they way the wanted. I want to report you this fraudulent transaction, and please if you can contact Comdata. Once again, I never gave them authorization nor bank account number, so I have no idea what this charge is.
Sincerely, XXXX XXXX
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a regional bank branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. thank you for understanding ..
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022, I attempted to complete a XXXX XXXX of {$100.00} from my account to my daughter. The bank froze my debit card for possible fraud. I reached out to the fraud department as well as several other representatives at the bank and no one is able to help because they have the incorrect telephone number. I am placed on hold for long periods just to be told they cant help or they will call me back. No one ever calls back. I explained to the bank that I cant come to the bank in person because I am now in Wisconsin and there is no Region Banks in Wisconsin. I explained that I have XXXX and I XXXX XXXX. The banks system is not able to generate security questions to confirm my identity, which has nothing to do with me. My social security is my only source of income and without this income, I am not able to pay my rent in Wisconsin or pay co-payments for my XXXX medication. At this point, I am in desperate need of assistance so I can be able to take care of myself.
|
| 11/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We were approved by Florida XXXX 's Assistance XXXX on XX/XX/2022. They approved our applicaiton to assist in internet, utility, and mortgage payments for the following 6 months. All XXXX bills stated above were paid on time. As of now, XXXX payments for XXXX XXXX XXXX and XXXX XXXX XXXX were paid on time by XXXX. However, it seems that Regions Bank ( our mortgage lender ) still has not applied payment from XXXX to our account. It has been 23 days since XXXX stated to me that they mailed a check for our mortgage payment to Regions Bank. I am concerned as to why our mortgage lender still has not applied payment to our account.
Delays like this can affect our credit score and in turn affect our standing with the loan. My complaint is regarding Regions Bank as they have not applied payment to our account. XXXX has stated to us that they are investigating whether the check they mailed has been chased or if funds have been retrieved on Regions Mortgage end.
Thank you
|
| 11/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/2021, I initiated a consumer credit transaction with Regions bank using my credit card as defined in 12 CFR 1026.2 and 15 USC 1602 ( i ). To my surprise I was denied my credit. Credit is a right as defined in Truth in Lending and to deny me my right because I in good faith exercised any right under the Consumer Protection Act is prohibited and discrimination which is a violation of 15 USC 1691 ( a ) ( 3 ). The inquiry on my consumer report and denial email is proof that a transaction occurred. A transaction was completed using my credit card and I never benefited from it, another violation of the Truth in Lending Act 15 USC 1602 ( p ). According to Regions Bank I was denied because of a credit score. Pursuant to 12 CFR 1002.0 ( b ) ( 2 ) I can not be denied because of company policy or because of a credit score. This discriminatory act taken against me has caused me XXXX XXXX confusion, bouts of XXXXXXXX XXXX XXXX nights, and early XXXX XXXX from the XXXX.
|
| 02/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account.
The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
|
| 01/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have a checking account with Regions bank. My debit card information was compromised. This occurred on XX/XX/XXXX. Charges at various stores with my information were made, totaling in excess of {$1800.00}. I contacted the bank on XX/XX/XXXX, the earliest I was able to do so. They told me they would conduct an investigation and consult with me during its progress. Today, XX/XX/XXXX, I contacted the bank to see what progress was being made. They have already denied some of the claims, and did so without consulting me or asking me further questions. For example, they denied me my claim of a fraudulent charge of approximately {$220.00} at a XXXX XXXX XXXX. I have no kids. I have never been inside of a XXXX XXXX XXXX. There are other charges, such as over {$500.00} at a XXXX, a make-up store, as well as at a XXXX. I have never been to an XXXX. What's more, my workplace can show via video and time cards and the witness of my co-workers that I was working on XX/XX/XXXX.
|
| 02/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
In XX/XX/2019, I close my account with regions secure credit card. They took my secured deposit of XXXX which my balance was approximately {$1100.00}. I was being charged fees after fees for using my credit card on daily purchases. around that time they missed credited XXXX dollars and i was not given an explanation of the funds. My account should have been resolved and paid around that time. I left the country because of a family emergency. recently came back to find various corresponds of fees added to my account. I have tried to resolve the account over the phone. Either I get disconnected or transferred to the incorrect department. I have invested hours. I am willing to pay the balance without the fees. I should not be punished for the lack of training regions customer service employees lack. as a consumer, I should be able to trust an employee of regions in their adequate expertise. I am sure that I'm, not the only one being charges an excess amount of fees.
|
| 05/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble getting information about the card
|
|
Web |
|
|
I purchased a Regions Bank Visa Gift Card from XXXX XXXX on XXXX and sent it in the mail to a family members as a gift. I retained the receipt and auth codes, but did not make a copy of the card. The gift card was lost in the mail.
When i tried to follow the steps outlined by XXXX XXXX to recover the cards value or replace it, I was directed to Regions Bank who could not find the purchase on XX/XX/2020, even though I provided all the details on the receipt. They expect me to have the original 'gift ' card to replace/recover the card. Seems like a deceptive practice that needs to be stopped. NO ONE will have the original gift card if it is lost or stolen, but they will have the receipts and activation codes which I provided but was not sufficient for Regions Bank representatives. Oh and I spoke with 8 of them before speaking to two managers and one supervisor. A total runaround. I'm waiting to hear back from a manager, but have not heard back for some time now.
|
| 06/15/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened a check and savings account with Regions Bank on XX/XX/XXXX, with a promo to deposit {$400.00} into the checking account once a minimum deposit was added to both accounts ( submitted the same day ) and a minimum number of debit card transactions ( 10 ) was reached within 120 days. A debit card was n't mailed to me until more than 60 days after account opening, at which point I was unable to receive it because I was out of the country. The bank was unwilling to honor the promotion while accounting for the tardiness in sending the account products, and so I elected to close both accounts. I 've contacted the bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In all of these communications, the bank refuses to close the savings account and return the money on deposit without sending a notarized letter - an action I 've indicated I will be unable to perform until I return to the US - late XX/XX/XXXX or early XX/XX/XXXX at the earliest.
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Enerbank USA - Account # XXXX The above account have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On ( XX/XX/2023 ) XXXX XXXX, I went to Regions bank to withdraw {$5000.00} dollars from my checking account. Unfortunately, I was denied from completing my transaction because the bank teller and branch manager informed me that my transaction was still pending and that I could not withdraw my funds. The branch manager told the teller, if it were my cash draw I would not complete the transaction. The teller also mentioned to me that I had a similar transaction done the day before ( XX/XX/2023 ) and she needed approval. The ( Branch Manager ) proceeds to tell the teller that she would not complete the transaction because it is still pending and it could come back returned. I had to drive to another branch farther out to withdraw my funds while pending without any issues. The bank teller tried to give me back my withdraw slip and I exited the bank. I contacted the Branch Manager ( XXXX XXXX ) on XX/XX/2023 to file a complaint. She has not returned my phone call.
|
| 02/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American, Servicemember |
|
We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.
|
| 07/08/2019 |
Yes |
- Credit card or prepaid card
- Payroll card
|
|
|
Web |
|
|
My XXXX son received his final compensation from XXXX XXXX, located in XXXX XXXX XXXX, California where he worked part-time while going to high school late XXXX, in the form of a COMDATA Pay Card.
On XX/XX/XXXX, he checked his balance using an ATM machine and was charged {$3.00}, but was unable to withdraw any funds. He tried 5 different machines on the same day and each time was charged either {$3.00} or {$3.00} for the balance inquiry ( for a total of {$20.00} ).
He was not informed of such balance inquiry charges by his former employer or COMDATA.
On XX/XX/XXXX, he withdrew from the card at an ATM machine and was charged {$3.00} on a {$280.00} draw. He told me about the fees and I contacted COMDATA multiple times from mid-XXXX through late XX/XX/XXXX and complained about the charges. Each time, I was told that the credit has been approved but will take 5 to 10 business days to show up on my sons account. The refund was never credited to his account.
|
| 07/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The servicing of my account was transferred to Regions Mortgage in XXXX of 2016. They have not appropriated any of the XXXX payments to my mortgage correctly. They have cashed the checks on time on XXXX occasions. Proof of canceled checks are attached. The first month they actually provided me a refund for a double payment because i went onto their portal and made a payment to insure I would not be late. It took multiple phone calls submission of cancels checks and a couple of weeks to get remedied. They have since not recorded any of my other XXXX payments XXXX and XXXX although they have cashed my checks on time each billing cycle. I wish for Regions to take immediate action to remedy this to insure this is not effecting my credit as I am under contract to purchase a piece of real estate and will be applying for credit on Monday XXXX XXXX. I will not be able to do so with a blemish on my credit report. I look forward to an immediate resolve to this matter.
|
| 07/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges.
|
| 02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I had a checking account with Regions bank back in XXXX. I left the country for many years, and in XXXX I got an email/letter from Regions unclaimed property asking me to confirm my account. I did so and they told me they would not close the account nor turn it over to the state unclaimed property department.
However, at the end of XXXX I went into a Regions branch and asked to withdraw my money. They said the account was closed with a {$0.00} balance. I emailed them, and they have been most unhelpful. Same with phone support, which I tried to call back in XXXX and XXXX. They would tell me over the phone that they have no record of the account. I have also checked with FL, AL, and SC unclaimed property departments and the funds were not turned over to any of these agencies.
The account number ends in XXXX and should have {$150.00} in it plus interest acquired over the last 10 years.
I would like to claim my {$150.00} + earned interest from my account.
|
| 08/04/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded " No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a XXXX XXXX.
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
We tried to go into the branch on XX/XX/2023 to close our accounts at Regions bank. The day after we tried to close all accounts, fraudulent XXXX charges appeared on my account that were not done by myself or anyone in my household. I called originally and reported the issue and was informed that the charges had to " post '' before we could dispute them. I waited until Monday XX/XX/2023 to call back once the charges were posted to my account. Then she said she was opening an investigation into the charges after we double checked that my last XXXX purchase in my history was for {$2.00} on XX/XX/2023. I received a letter in the mail that Regions found the charges to be not fraudulent even though they were not done by me. Now the overdraft fees for the charges are {$100.00} for charges that aren't mine and the account will not close.
We have never had this happen before and it just seems a little suspicious that it happened right as we tried to move banks.
|
| 11/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have been banking at Regions Bank for years. Over the last several months from XXXX to the present date, XXXX 19,2020, Regions continues to charge me overdraft fees totaling almost {$700.00} during the months of XXXX and XXXX. Ive contacted them numerous times, but they only try and scold me about what I should do and theres nothing they can do about the fees. I dont receive any notice until weeks after they charge these fees and when I make a deposit before XXXX to cover the charges made, they dont post them until the day after which makes my account accumulate overdraft fees instead of posting the deposit that day before XXXX as their policy states. Many times, the overdraft fees incurred come by way of the monthly fees they charge me for the account. The fees theyve charged me are recurring for the same thing, and accumulate to more than what the actual overdraft amount is. I just need help to get the fees returned to me as well as close the account.
|
| 11/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I am an XXXX, a XXXX XXXX, living in XXXX. I have an account at REGIONS BANK in XXXX, Florida, where my pension and SSA is deposited monthly.
My ATM Card expired XXXX. I've been attempting to obtain a new ATM Card from REGIONS BANK since XXXX. Today is XXXX. I have emailed the bank multiple times explaining that I am without access to my funds until I receive my new ATM Card.
I have even asked them to XXXX XXXX it to me.
I continually get the same response from the bank that it can take up to 10 days to receive since I reside in XXXX. Their responses seem preprogramed with minimal Customer Service to my predicament. Now, 20 days later they're responded that instead of the 10 days they first mentioned, it can take 30 days.
As of today 's post I still have not received my card, which leaves me without access to my money for living expenses and medical expenses.
If you can advise me I would be most appreciative. Thank you.
XXXX XXXX email : XXXX I
|
| 12/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money?
|
| 03/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time.
|
| 08/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
regions bank again holding pending charges causing od im opted out of any all od srevices seems they try to hold charges pending way too long to try get accts in negative when customer is not opted in to any ads supposed reject purchases ect i think their needs to be ig internal investigation on their banking records to show how many others are being ignored opting out letting accts go in negative ry earn # # in fees ect i am XXXX live on very limited $ $ $ my it being on od means my first of month check not even get it be used up in od fees how many others are being done this way i am hoping you not just react my issues only but subpoena their records find out how many others being treated like this. in my opinion if found to be doing this many dont just fine then one fee fine then for each offense say you fine then XXXX XXXX for offense also fine XXXX more XXXX for each customer that was mistreated ill be reportig issues to other federal agencies to
|
| 07/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My debit card information was stolen and used across multiple businesses on XX/XX/XXXX, XXXX and XXXX 2019 throughout the XXXX area. However, I left XXXX on XX/XX/XXXX to go on vacation for the holiday. There is a XXXX charge on my account proving that I was NOT in the city on XX/XX/XXXX.
I reported the unauthorized transactions to Regions on XX/XX/XXXX.
I filed a police report on XX/XX/XXXX.
I have spoken with a Regions representative about my case, and she let me know that the Fraud Claims Department denied my request for reimbursement today, XX/XX/XXXX.
These are the charges with location, date and amount : XXXX # XXXX XXXX XX/XX/2019 {$6.00} XXXX # XXXX XX/XX/2019 {$100.00} XXXX XXXX XX/XX/2019 {$9.00} XXXX XXXX XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$460.00} XXXX XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$210.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$14.00}
|
| 07/27/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
Regions Bank turned down my XXXX XXXX XXXX XXXX mother 's equity line request for {$40000.00} to help take care of long-term care expenses. They claimed she did n't have enough credit history. This is absurd considering she bought her home in XXXX and made payments on it every month until is was paid off in XXXX. Since then, she has had multiple credit cards and lines of credit that have all been paid in full. What 's more she has bought multiple cars using credit over the years. In addition, she has a current XXXX XXXX XXXX credit card with a {$6800.00} balance that she pays monthly. As an aside, the XXXX credit card is the only debt she has. As for other information, her FICO score is XXXX ( according to Regions Bank ) her current front-end debt to income ratio is 12.7 % while the back-end ratio is about 24 %. Home is valued at about {$50000.00} according to various on-line Web sites and it paid for in full. Total income is XXXX monthly after taxes.
|
| 10/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have banked with regions a few years now. As a XXXX, I NEED a bank that I can easily deposit cash. I picked regions because theres multiple locations by both my work and home. They have continually charged me unfair overdraft fees for the entire time. I cant tell you how many times Ive went to bed at midnight or later with a positive balance only to wake up with an overdraft fee. The bank onky allows ONE overdraft reimbursement, no matter how long or how much you bank. Ive been told that all transactions are in by a certain time of time yet Ill still be charged an overdraft AFTER said time. Ive even had a instance where the banker himself couldnt tell me why I was overdrafted, I had money in the account, more than enough for my transactions. Regions bank is a terrible bank for someone like me. The ATMS are full often therefore you cant deposit any money to even try to combat overdraft fees. Ive been looking for months now for a better bank solution
|
| 03/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX I went in person to a Regions branch to file a dispute associated with my checking account. That representative did not properly file the claim. I called Regions by phone XX/XX/XXXX and spoke to a XXXX XXXX who stated she would reopen the claim and asked me to send additional documents which I did. On XX/XX/XXXX I called to speak with XXXX again but was told she was not there at all that day and she in fact did not reopen the claim. That person claimed HE would reopen the claim. On XX/XX/XXXX I went into a XXXX FL branch and spoke with a XXXX XXXX about my claim. She did not offer any explanation regarding my disputed claim. I asked why ANOTHER {$36.00} fee was added on. She stated it happened due to a transaction for {$1.00} being held back and then put through when there was no or low money in the account. The fees are now up to {$210.00} related to this XXXX XXXX disputed claim in the amount f {$330.00}. My total loss is {$550.00}.
|
| 06/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
I am filing a complaint because my credit card was canceled because of inactivity, and I never received a notification prior to the cancellation.
This is so unfair when a consumer has a 100 % payment history and because of inactivity Regions closes my credit card without any notification. Regions Bank has no clue as to why the credit was not being used.
I also want to complain about XXXX XXXX that lowered my available balance excessively because of no activity, but at least they did not close the account. My credit score was lowered by XXXX points because of this action by XXXX XXXX.
Therefore, my credit score will go down again because of a closed account. I could see the account being closed for non-payment, delinquent payments, etc., but to be closed because of inactivity is ridiculous.
This definitely is NOT THE AMERICAN DREAM!!!!!!!!!!!
I would appreciate a response regarding the above issues and concerns.
Regards, XXXX XXXX XXXX
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Waited until all pending payments where made closed all automatic payments for utilities and such closed my account on XXXX apparently there was transaction through XXXX that was that was late to process untill XXXX with this account the bank open a checking 's account and my name and paid this bill not allowing the vendor the contact me I received a letter from regions Bank informing me that they had open a checking 's account in my name and paid the {$40.00} to XXXX i would be charged for insufficient funds I have taking care the XXXX bill but what my concern is places that i have had a one time withdraw XXXX has me on a automatic withdrawal even though I asked them to take me off so if they send this {$260.00} bill did that account the bank will open up a new account in my name and pay XXXX XXXX I no longer desire and charge me insufficient funds if there is no law preventing this from happening I suggest you create one thank you for your time
|
| 06/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XXXX BUSINESS CARD -One of o ur cards was fraudulently duplicated and used pumping gas for total a amount of {$810.00} in the months of XXXX and XXXX 2017 , while the original card was in our possession. Once we received monthly statement of charges from XXXX , we promptly reported the fraudulent use to XXXX on XXXX XXXX , filling and faxing to XXXX , their fraud investigation unit the form they had faxed to us. It took more than 60 days for XXXX to issue partial credit of {$720.00}, while they have charged interest and penalties of {$360.00} on {$810.00} fraudulent charges which we are not responsible for and they refuse to credit {$360.00} back to our account. We have called the customer service of XXXX and they say even though we are not responsible for the fraudulent charges, we are still responsible for Interest and Penalties. This absurd and abusive practice be one of th e biggest oil companies in the United States.
|
| 04/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I was banking with Regions when I made a purchase on XXXX from my business checking account on XX/XX/XXXX. I returned some products to XXXX but only after that checking account closed. I tried my hardest to get XXXX to refund me a different way but nonetheless they refunded {$960.00} and {$800.00} on XXXX XXXX.
Currently the date XX/XX/XXXX and Regions Bank nor XXXX have any idea where my funds are. This is a total of {$1700.00}. I have been to several Regions Bank locations and spoken to many representatives on the phone. Finally one person said they saw the transactions but she could not do anything. It has been months and I have been at a loss. Please Help!!! Regions keeps sending me back to XXXX and XXXX keeps saying the money hasnt been returned.
Also, both parties say if I have an account the money will just find its way into the account. I still have a checking account with Regions and this phenomenon did not occur. I need assistance!!!
|
| 03/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XX/XX/XXXX bank account was compromised and XXXX transaction made. Dispute made in person at my Regions Bank branch. Transaction posted XX/XX/XXXX. Letter received dated XX/XX/XXXX stating transaction did not post, but it DID post. Had to call, ( XX/XX/XXXX ) resubmit again, was told to wait up to 10 business days plus mail time. Called again XX/XX/XXXX, was told information was incorrect. Resubmitted AGAIN, no response. Called today XX/XX/XXXX, was told XXXX had closed dispute and had to deal with Regions to start over. Regions CSR could not assist and was transferred to XXXX side again where I was placed on hold after a short conversation and disconnected. The elapsed time was over 35 minutes and the phone prompts would not let me proceed because offices were now closed. I have now spoken to 7 people regarding this and have over 2 hours on the phone either holding or speaking to someone. The level of incompetence is staggering. Please advise.
|
| 10/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I am a customer of Regions bank with a checking account. A few months ago someone or persons have been using my debit card through XXXX XXXX times in excess of XXXX dollars. I have never taken an XXXX ride nor have ever used XXXX nor have I ever given authorization for anyone to use my card, ever. I reported to Regions, XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX.
Regions Bank told me that it was my fault and that I gave authorization for reoccurring charges to be allowed on my account. That is not true one bit.
The fraud started in XXXX through XXXX. Regions will credit be back a small fraction of the charges but insults me with the lame investigation that somehow determined I was complicit and allowed my card to be used. NONSENSE, I asked for the proof of the investigation just today and the fraud department told me " there is nothing we can do ... I just told you the results ... what else do you what. '' Please help XXXX XXXX
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, I attempted to utilize my debit card to purchase a meal for my family. The card worked for an ealier purchase in the day and I have more than ample funds in the account. As I attempted the purchase, I was told that my card was declined. I was shocked because I have had no alerts whatsoever. I returned home to access ths online account and to call customer service. There was no mention online of any hold, nor any alerts. I then called every related customer service number to relieve the invisible hold on my card but none of the options were succesful and there were no staff avilable to assist. XXXX of the prompts suggested the mobile app. I downloaded the app from the playstore and to my surprise, it would not upload. After all my efforts to spend my own money, I will not be banking with Regions in the future and I would like the CFPB to determine whether or not Regions is engaged in unfair, abusive and decptive trade practices.
|
| 07/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Regions sent me a mailer offering a {$300.00} bonus for opening a credit card and spending {$2000.00}. I tried to use the code, and it didn't work. I went into a branch, where branch manager XXXX XXXX told me that, despite it being almost an hour until the branch closed, with 3 other bankers and ZERO other customers in the bank other than myself, that no one could help me ( even though the mailer said to go to a bank ), that they didn't have enough time to open a credit card ( we had more than 45 minutes ), and said that I had to call the number on the card to be helped. I called the number on the card and was placed on hold multiple times before giving up after over an hour as it seemed the company had shut down because it was past XXXX.
I tried again a few days later, and was put on hold multiple times before allegedly being allowed to apply for the card, even though I was preapproved and they ran my credit ( hurting my credit score ).
|
| 03/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I bank with regions and I was looking to rent a unit and set up a payment for XXXX dollars to secure the lease but after I made the payment and it was put on hold I found the woman did not have the keys I was being scammed probably so I immediately called regions to cancel the on hold payment which had not been taken from my account yet. The first woman I spoke to said she would have to verify the payment for me to cancel when later I found in an email after 24 hours the payment would be canceled on hold but she verified it and made the payment for XXXX dollars to this scam artist. Now regions does not want to take responsibility for their employee not knowing the facts of her job ( 24 hour delete of on hold payment ) and the fact a regions employee took XXXX dollars from my account I was calling to cancel in the first place. I am sick with XXXX filing for XXXX and XXXX living out of a hotel on the last dollars I have left please help me
|
| 04/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/2023, I received an email stating that I'd opened an account with Regions Bank and shortly after, I received an email stating I'd updated my email address.
On XX/XX/2023, I received a confirmation email from Regions Bank stating that I added the standard overdraft coverage.
I didn't open any accounts with Regions Bank nor did I add any services.
I don't have an account with Regions Bank nor have I ever had an account with them.
I tried calling the numbers that were posted without success. The reps needed the full account number or my social security number. I didn't have the full account number and wasn't going to provide my social security number.
I reached out to a colleague for a contact at Regions and he provided one on the business side.
She referred me to file an ethicsreport aXXXX XXXX. It looks like it was more related to either an employee or someone that does business with Regions but I completed it anyway.
|
| 06/09/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
There is a discrepancy with the fees that are charged for mobile check deposits by Regions Bank. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$16.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$550.00} ( requested immediate availability ) and was charged {$5.00}.
Regions Mobile App reads " Available immediately - 1-4 % of the amount of each check, depending on check type and amount ( {$5.00} minimum fee applies ).
The check type **PAYROLL qualifies for the 1 % Fee or {$5.00} ( whichever is greater ). For the past 32 months ( approximately ) I have deposited the same payroll check into my bank account weekly and have been assessed charges from {$12.00} - {$18.00}.
|
| 12/10/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.
|
| 04/15/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX, my wife and I met with XXXX XXXX a XXXX XXXX representative who has promised to have Solar and new roofing for a total cost of {$58000.00} with XXXX refund of {$940.00}, a FEDERAL Refund of {$15000.00}, a STATE Refund {$5000.00}. and NYC Refund {$11000.00} with a NET Cost of {$26000.00} at a rate of 3.99 % with a Term of 24 Years.
XXXX XXXX proceeded with the qualification by pulling my XXXX Credit Score and the next thing was an email from Enerbank saying that I was eligible for a financing amount of up to {$120000.00}. That was the end of our meeting. No application or contract was signed that day. He only asked for my Social Security.
Now EnerBankUSA quoted the interest@ 4.99 % with no payment term and if payment is not made in full by XX/XX/XXXX the amount will be increased I have told them clearly that there's no way that I will pay it in full.
Please help.
Thank you and after and our only cost will be
|
| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I asked for my account to be closed with the card issuer back in XXXX of this year. I am due a security deposit of {$500.00}, and have not received it yet. Each time I call, they give me the run around telling me to wait for the processing to to process my request. I called in XXXX and was advised the account wasnt closed because they sent me an email to confirm if I indeed wanted my account closed. I assured them that I wanted the account closed and wanted my security deposit back. This conversation happened XX/XX/2022. The representative advised me that I would receive a check in the mail within XXXX weeks. Today, I called to check on the check status being I did not receive the check, I was advised by the manager that the check was approved on XX/XX/XXXX, but it was not sent. The manager said that he sent another request today and I have to wait XXXX weeks. I feel this company is holding on to my money and wants me to give up.
|
| 09/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My Regions Checking account was closed without my knowledge or consent. I went to the local branch as directed by the Customer service representative. The representative on the phone told me they did not have the ability to unlock the account, but I could go into the branch and have it unlocked. I went down to the local branch on XX/XX/2020, at XXXX XXXX. I asked why the account was being closed? The branch manager joins in on the exchange between the banker and myself. I was given no reason besides fraud/security put a hold on it, and Regions Bank no longer wanted to handle my accounts. I was told the bank account wont close officially until the XXXX of XXXX. At which time they would then send a check and it could possibly take up to a month. I had a balance of {$500.00} and had inheritance that was deposited twice a month to that account from Regions investment. I am glad to be gone from that bank, but why cant I get my sooner?
|
| 09/22/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
The trust account was closed due to my brother 's death. The money came to me, and I was give a temporary K-1 and could not file my 2022 taxes, so I had to file an extension. I was told that the final K-1 would be REQUIRED to be mailed to me by XXXX XXXX. I have been waiting on this since last XX/XX/XXXX.
I have kept in touch with the trust officer in charge, but I usually do not receive an email in return. The last contact was XX/XX/XXXX or so. I had to copy the trust officer 's boss to get a response. At this point, he said he was sending the info to the tax preparer to get me my K-1.
What this means it that NOTHING was done since XX/XX/XXXX to create a final K-1. The only way it was finally sent was when I requested again. This make Regions NOT IN COMPLIANCE with IRS regulation since this form was due XXXX XXXX.
My life and taxes have been totally ON HOLD, waiting for this form for 5 months, and nothing was done at all.
|
| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
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!!!
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had my phone hacked into by responding to a person who sent me a code saying that they were verifying that I wasnt a scammer. Unfortunately they were the scammer. Somehow through advanced technology they hacked into all of my personal and business accounts and drained the accounts. Money was sent to random people I have never talked to or been involved with in any way. These people or businesss were in different states and different countries. I have filed 5 claims with regions and had 4 denials. They paid back some of it but not all. The remaining amount owed to me is {$11000.00}. Bottom line is that it is regions responsibility to protect my money. In exchange they get to make money and interest off of that money while the money is in regions possession. I can not afford to lose that amount of money. I have been battling this for 2 months now with regions and it has caused me a lot of stress.
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
Older American |
|
My mother who passed away in XX/XX/2022 had a checking account and an IRA with Regions bank in Alabama. I was named on both accounts as well. I first contacted the XXXX branch in XX/XX/2022 about closing the accounts and forwarding the proceeds to me. As of this writing I am still trying to collect approximately {$500.00} which they are holding in the checking account. The bank has sent cashiers checks without signature and has twice required that I forward notarized requests and copies of my mother 's death certificate. Each amount of money I have collected has required a great deal of follow up on my part. The current amount in the checking account is a distribution from the IRA that was done in error due to Regions delays. They have stopped responding entirely to requests for collection of this amount. At this point I have to think Regions is being deliberately obstructionist so they can hold on to funds as long as possible.
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Friday XXXX of XX/XX/2023 I open a business checking account inside the branch and deposited the checks that XXXXXXXX XXXX sent me for account closure. Received a call from XXXX this morning that those checks was already deposited and cashed out from them on Friday. Regions is failing to release my funds snd now is stating that their back office has the account on hold because of investigation of the checks 3 total XXXX, XXXX and XXXX all separate checks deposited into the account XXXX Ive spoken with other representatives from Regions and they stated I just to verify more information but when going back Regions that are stating something different. XXXX XXXX is still releasing negative information about me in which Ive already frozen all information about me previously due to identity theft issues. They have all that information on file already but continues to report on my behalf in which they have been instructed to do so.
|
| 09/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge.
XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ...
Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}
|
| 07/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Went to an ATM on Sunday ( XX/XX/XXXX ) morning and it swallowed my 'NOW ' prepaid card and my {$200.00} deposit around XXXX. I filmed the ATM malfunctioning for proof just in case they tried to argue with me. Made a claim dispute during the incident and they said it would be handled in three days and it has been over two weeks and nothing has been done. They refuse to give me back my money even though I have proof that the ATM malfunctioned. When I called a supervisor on regions green line ( XX/XX/XXXX ), she calls the branch manager ( where atm issue happened ) and the manager calls me and starts raising her voice at me ( have audio ), that she's doing her job and she's done basically done with me. I went to another regions location and filed a complaint with that manager. I will be filing a police report and others need to know how terrible regions bank customer service is and that they are thieves out to make a quick buck
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Made an ATM cash deposit of {$2700.00} with my debit card from Regions ... XXXXthe ATM was then making the transition and suddenly became dysfunctional... XXXXthen returned the card without any confirmation. I became aware that this was not a normal function of any ATM that I have experienced ... ..so I drove and parked, then proceeded into the Bank to address the current issues ... The person that responded was XXXX XXXX XXXX XXXX the ATM was under a XXXX party service called XXXX ... and could only file a Confirmation of Disputed Transaction. I immediately ask why there was not a posted sign for your customers to warning of cash deposits ... as I would have never used this process ... and immediately brought the cash to the bank teller instead. She had only the company policys to reply. As a senior citizen this is a XXXX draw back of my rights, and the funds not being available as my needs are very important. Please help.
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited XXXX $ into ATM number XXXX on XX/XX/2023 at XXXX XXXX. The atm malfunctioned, took the XXXX $ and spit back out my debit card with a receipt stating, We are unable to process your transaction due to a technical problem. If your items were not returned to you, please visit your nearest regions branch. They gave me a provisional credit of the XXXX $ the next day, stating they would investigate the claim. The sent me a letter in the mail stating that the ATM was counted and the balance was correct, basically telling me that I didnt deposit any money, and that they didnt believe me. So the XXXX $ was taken back out of my account. I have tried numerous times to see the atm footage, but they refused to show me anything. At this point regions is basically stealing XXXX $ from me. I have a long history with them of large cash deposits. Now I am worried I wont ever get the $ back, and they have done nothing to help me.
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2023 I received an email from XXXX stating a transaction in the amount of {$820.00} was approved. I immediately called the number on the email. I was told there were several loans being applied for as well. I was instructed to go to an ATM do several transactions in order to track the person doing this. The total amount of transactions is {$5000.00}. ( I have been under extreme stress which XXXX said it can cause you to do things out of character ). I was told it would be back in my account in 30 minutes.
Driving home it all hit me that I was scammed. I immediately called the bank to stop it. They said I had to wait till it was no longer pending. Next day I filled a fraud issue. 10 days later they denied giving me the money back. I am a senior citizen on a fixed income. I've been with this bank a very long time and I feel they failed to protect me and all the money I had to my name. I was also denied an appeal.
|
| 03/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
My name is XXXX XXXX and I am having some serious problems with my Regions credit card account. I have been making my payments online on time from my XXXX XXXX XXXX account but for some reason it is getting lost in the process. I just recently noticed that when I make my payment online using the Regions bank payment portal XXXX XXXX XXXX shows up as two separateaccounts, or should I say two separateinstitutions but the same account and routing numbers. Maybe this is what's causing the problem with my payments? I have included a screenshot of what it looks like when I make the payment. today I realized that my credit report is saying that I'm two payments behind and I have made payments on time since this account opened. If I need to repay that's fine but I do NOT want any negative marks on my spotless credit especially not now while I'm preparing to buy a house. Please help me to resolve this issue as soon as possible.
|
| 09/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I was part of the XXXX XXXX scam. They slammed my account for a total of {$610.00}. They bank investigated and I was refunded {$100.00}. I have been with Regions for a considerable amount of time and have never has this to happen to me. I provided a lot of information and even contacted them by phone on the same day that it happened. The person on the line, reassured me that everything was going to be okay. No, it was the start of my nightmare. I provided them all of the information that I could. My XXXX son banks with XXXX XXXX XXXX XXXX and was refunded the money bank into his account. I even gave them all of this information but I am still to see the remainder of my money back. This money was set aside for a vacation at the end of the school year for my XXXX XXXX XXXX. That fell through. I am afraid to place any type of money in their now. They could look at my transaction history and this was out of the usual for me.
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Regions Mortgage has owed my escrow refund from XXXX for over a year now. They claim they sent out a check that i never received. I called the first time on XX/XX/XXXX to try to get them to reissue the check, which they claim they did and i again i never received.
Then they claimed that the amount had probably been credited to my XXXX escrow refund which we have discussed multiple times and now know it hasn't based on the analysis of my escrow statements. They keep saying they are searching for the missing check and that they will get back to me.
I have spoken to multiple representatives, multiple supervisors, escalated the issue, etc.
It is infuriating to have to make more than 20 phone calls to try to get a reimbursement for money that i am owed, all the while to keep getting nowhere.
Their level of customer service is a disgrace and an abuse to a consumer like myself.
Please help me sorting out this issue!
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 02/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank again.
|
| 01/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees
|
| 11/12/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
This is regarding my XXXX XXXX XXXX XXXX account. I have tried multiple times via telephone and email to request account closure and return of deposit unsuccesfully. On XX/XX/XXXX, XX/XX/XXXX and XXXX I called requesting that my account be closed. The representative informed me that he needed to transfer me to another department. After being on hold for over 10. minutes ( all three times ), I was told that " nobody was available at that particular time, if I would like a call-back ''. I never received a call back in all instances. I was them provided a survey to which I completed based on my experience and the situation. On XX/XX/XXXX I was contacted by " XXXX '' via email from " Executive Response '' who wanted to follow-up on my survey. Also on XX/XX/XXXX I replied back and explained the situtation in detail along with making my request again. I never received a reply back. This is in regards to account # XXXX.
|
| 02/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I opened a secured credit card with XXXX XXXX. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called XXXX XXXX to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
|
| 12/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regions bank is charging overdraft fees on pending transactions, that don't affect the posted balance. This practice is unfair, and goes against the customer. If my posted balance is positive, I should not receive an overdraft fee, because technically my account is not overdrawn. On XX/XX/19 2 transactions posted ( {$7.00} + {$3.00} ) and left a balance of {$58.00}, which is the current balance of the account as of XX/XX/19. I received an overdraft fee on XX/XX/19, with the account having a positive posted balance and never had gone into an overdrawn status. I called Regions customer service on XX/XX/19 to get this resolved, and was told that Regions policy is that they use the pending transactions during processing, as if they posted to calculate the balance and assess fees. This is unfair. I have banked with Regions for 12 years, and the bank has always had unfair overdraft policies, which I have been a victim.
|
| 12/01/2023 |
Yes |
|
- Closing on a mortgage
- Fees or costs after closing
|
|
Web |
Servicemember |
|
I had used the VA Home Loan, and it required work to be done before I moved in, but the work wasn't done then and so it was left to me. The VA required the owner to put up for an estimated {$5000.00} and XXXX, so around {$7500.00} for all repairs. One contractor was to do all the work for around {$4500.00} except going over for the driveway replacement slabs. That handyman went missing and so the work was not finished by him. I had other contractors finish the work that I paid them with checks and was to send the invoices to the lender for reimbursement. The problem is that the lender paid out the one contractor that went missing for the full price and settled the account when he had not finished, and I had not sent in the invoices from the other contractors to finish the work. I need the lender to cancel that check, which won't be cashed, and repay me for the invoices of the contractors that finished the work.
|
| 04/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I went to Regions ATM and used my card and it went through the entire process and no money came out but the money has been removed from my card.. It was all the money I had left and Regions told me This happens All the Tim They told me I was taking a risk using that ATM and its nothing they can do. The clerk told me I maybe I should get a bank account because it was a government issued card. She was so unbothered by me like I was the ground she walked on and it was not a concern of hers. She even said like if I stick my XXXX XXXX card in there and no money comes out I called my bank and they will give me money back. She said I never knew they gave yall cards with money on it anyway like why? I told her Im sorry Im a XXXX mom working my way to provide for my kids and I needed a extra set of help that Im grateful for but Im working hard so my kids want have to.
Address XXXX XXXX XXXX XXXX, TN XXXX United States
|
| 01/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
XXXX XXXX XXXX XXXX utilizes XXXX which is a correspondent of Regions Bank, N.A. We were approved through XXXX in order to finance the project. XXXX sent a Truth in Lending disclosing the amount approved which was XXXX Upon completion of the project, XXXX sent XXXX a bill for the completed project of XXXX. XXXX never redisclosed for the amount of the completed project which was the actual amount borrowed. Instead, they starting sending out a bill for simple interest. Never re-disclosing what the payments would be after the loan recast for the correct amount. I know the regs are different for every state and maybe they didn't have to send out a Truth-in-Lending with the correct figures. Maybe this time, it slipped through the cracks ; however, all the cracks were filled with the New Regs. Reg Z, X and Dodd Frank. I thought Lenders were operating above board. Regions can't claim ignorance in this and any case.
|
| 09/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
Regions is reordering debits to account for profit, Last Friday I had 5 transactions, got breakfast at XXXX, got gas and soda, drove to a job, and had lunch ... .at that point I had XXXX in my account, in which I withdrew XXXX. Should have been XXXX plus the overdraft fee!. Except Regions took the XXXX XXXX out first and then overdraft everything from that day. The other issue I have is they do not reflex the actual transaction date, cuz they pend stuff to profit on overdrafts and apparently now it is a new policy to XXXX people over ... .well I had a statement from them showing, that apparently they have a new policy that does change the order but they have removed all my message from the online banking webpage and I am no longer able to send them one ....
So basically they charged my XXXX XXXX first and all the others after, causing me to aquire XXXX XXXX overdraft fees when it should have only been XXXX.
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American, Servicemember |
|
Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees.
I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real problem.
|
| 01/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
While signing up for a checking account at Regions Bank, the banker asked me if I would like to opt-in or out of overdraft protection. The camera on my motorcycle helmet was left on, though not intentionally, and recorded me verbally telling the banker to opt-out of overdraft protection. So I go home and notice I have a hard inquiry on my credit report and states from Regions Bank. I also noticed through my online banking profile that I was enrolled in overdraft protection. It was confirmed that Regions Bank would only do a soft pull and it would not show up on my credit report, but since I was enrolled by the banker into overdraft protection without my legal consent it resulted in a hard inquiry instead of a soft. So now my FICO score has dropped by XXXX points and will take it months for it to recover. Time in which will set me back drastically as the inquiry will stay on my credit report for 2 years.
|
| 12/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX at aprox XXXX i deposited {$800.00} into the atm at regions bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX the deposit never went thru and the atm took {$400.00} & spit out the remaing {$400.00}. i called the XXXX number on the back of the card and filed a dispute as soon as it happened. they credit my account for the {$400.00} but after the investigation the bank claims the atm was in balance and decided to take the {$400.00} back. i called the bank and spoke to XXXX the branch XXXX and asked her to write a ticket for the surveillance camera from the atm to be reviewed so she can clearly see me trying to grab my money and if the canera has speakers u can hear the atm gargaling the rest of the money. also you can clearly seeanother car comes behind me like XXXX min later and do something fishy as if there was a credit card scimmer installed there. but she claimed nothing could be done.
|
| 12/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
We have been customers of Regions Bank sinceXX/XX/XXXX, when they were then known as XXXX XXXX Bank XXXX XXXX. We have/had a XXXX XXXX XXXX FREE Checking account. They started charging a monthly fee for holding this account with no notification because it no longer receives Social Security deposits ( due to seizure by the government to pay for XXXX expenses ), and it was not in the account requirements when we opened the account that direct deposit or any minimum balance was required. After discussing the issue with a customer service rep, they told me we had no choice but to pay the fee, would not refund the fee, nor waive the fee. They also refused to allow me to close the account without jumping thru a ton of hassles. Regions has made a habit of overcharging and bilking senior citizens living thru fixed incomes and XXXX issues by sucking extra fees from accounts with well over a {$1000.00} balance.
|
| 05/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
After opening account in XX/XX/2023 I don't have access to my account. I filed complaints via customer service and at the branches in XXXX XXXX, Mt XXXX and XXXX. No response or past 4 months. Wasted time to go back and forth between branches. Everyone customer service tells me to go to the branch to fix the issue and branch tells me it's not branch problem filing another complaint with request of calling me back. I can't get any info through customer service I can't make deposit via mobile app, I can't get support because they can't access my information about account and they want me to charge money for making deposit via mail. It's an XXXX and XXXX on customer who has nothing to do with their internal system. My account will be charged service fees since I can not use account. They do not have number for corporate office. Everyone in the bank gets paid salary but there is noone to fix the problem
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
A payment was processed by accident that was going to overdraw the account. I sent messages to the vendor, to the transaction company, and to the bank to prevent the transfer, but all three dragged their feet and, 3 days after I requested the transfer be stopped, my account was charged. I continued correspondence with all three entities to reverse the transaction over the next two weeks, over which time the charges were rejected and then re-submitted 3 more times, all while I was begging for any opportunity to fix the issue. Regions did nothing but blame me as they purposefully allowed this transaction to post over and over until they had extracted more than {$100.00} in overdraft fees, the last of which occurred days after I had confirmed the payment was refunded in my correspondence with both the vendor and the transaction service. We should not incentivize banks to parasitize the working classes.
|
| 07/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions.
.
|
| 08/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I recent just start off with the bank me and fianc only had it less in a week, my account was hacked and compromise they sent me letter the mail saying it was a check deposit XX/XX/2019 large amount XXXX ... regions didnt tell me and fianc they had a data breach going on. My fianc account was hacked as well they try too blame her for begin responsibility but she was hacked as well they got data breach compromised they know it but didnt tell us bad company they closed my fianc account aint do nothing about it this bank need be closed they are unprofessional I was wondering why they dont get a enough business ... .they are not caring bank I want me and fianc shouldnt deal no comprised on a bank that dont care or try too help us its sadden we feel unsafe with our ssn numbers if our account on compromised ... something need too be done we shouldnt have pay no fees nun we need our money back and refund
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
Regions Bank is saying that I owe on a loan that I never took out this loan was opened when I was XXXX on a XXXX XXXX for over a year I never signed or opened a loan at regions Bank regions Bank can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking regions Bank to court and Sue them for my lawyer fees and my light detector test regions bank has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make regions Bank pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which regions Bank will have to pay my lawyer fees and for the lie detector test result I present in court
|
| 10/14/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
|
This is by far the worst experience using a gas card. My XXXX BP gas account has an additional assessment fee added they call it " purchase fee '' therefore they have added fee 's without clearly identifying the breakdown of the fee. I have made several attempts over 2 months to pay my account balance I only get out source non- English-speaking representatives, which provides a communication barrier on both ends. The website shows un-protected site I could not log in for months I went in circles trying to get into the site.
It is illegal act under " Undisclosed Fees Under Consumer Protection Law '' Fleetcor is conducting illegal acts against card holders. PLEASE READ YOUR STATMENT carefully.
the customer service number XXXX, XXXX is pointless NO HELP EVERYONE PLEASE SUBMIT YOUR COMPLAINTS TO ALL Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX This GAS CARD NOT WORTH IT!!!!
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| 07/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I notified regions bank of multiple fraud charges on my account and they denied them stating that too much time had passed since the charge took place. I have been told that there is no time limit to report fraud charges on my account. below are the charges and dates that I reported to regions bank on my credit card.
date merchant amount XX/XX/2016 XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a letter from them about this because even though they said they sent one out, I never received it in the mail. I believe them denying my claim is against the regulations set in the fair credit act and they have clearly and knowingly broken the rules and regulations set in order to avoid refunding my fraudulent charges.
|
| 06/16/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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Web |
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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!
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| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Regions bank is not following applicable bankruptcy laws. I filed Chapter XXXX bankruptcy on XX/XX/2021. This included the two lines of credit, credit card and checking account from Regions bank with the negative balance. These debts were discharged XX/XX/2021. Regions did not attend the meeting of creditors. Yet regions continues to report these accounts as charge offs. These debts are no longer collectible as the debt has been discharged should be reflecting as such to each credit bureau with a {$0.00} balance. Including in void and early warning services. Lastly regions is what caused the bankruptcy to begin with. They allowed an identity thieve to open two lines of credits and a credit card in my name. I previously reported that to regions which they did nothing about. After I filed bankruptcy since the theft caused damage to my health as well as credit and life. I have a fresh start.
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| 09/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
Web |
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I have been with regions since around 2018 maybe even before then, I was under an account with my grandmother because I was not XXXX yet and I havent started having problems with them until I was able to have my own account under my name. When I would cash a check they told me the money would appear in my account within an hour and I wouldnt see the money until 24 hours later which was an inconvenience for me.
I also would get charged different kinds of fees. I also just recently found out that if I have a balance of XXXX $ in my checking account and then my direct deposit is finally put in the checking account I have to wait 24 hours in order to see or spend my money. Also in the regions app they have this thing called regions lock-it were you can lock your account and keep anyone from taking money out of your account, that never works for me Im always missing money out of my account.
|
| 06/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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On XX/XX/2019 I requested a loan upon my request a company name XXXX XXXX XXXX gave me an offer of XXXX I then excepted.Qualifications was thru routing and account # which I gave to the customer service representative.Then on XX/XX/2019 a XXXX dollar amount was added to my account which I checked on my mobile banking account.This wasn't the amount XXXX XXXX XXXX agreed on the loan amount so I called them to decline the loan.I withdrew XXXX from my account to send XXXX XXXX XXXXL they're money back.2 days later Regions bank notified me to say there was a fraudulent check put in my account.If a check was deposited why did it show up as a cash balance not a check that has to clear before it was shown on my account as XXXX added to my account.My account was froze and I couldn't get access to my money.I feel I should be reimbursed because this was supposed to be handled as a check not cash.
|
| 07/05/2016 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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I had an accident XX/XX/XXXX, and state farm issue a check which was in my mother in law name, however upon her signature I deposit the check into my account to get the car fixed. This was done on XXXX/XXXX/2016 and to this day going back and forth. Regions giving me misinformation about they were returning the check to getting a call stating they can hold up to XXXX years to the check was return by state farm and no funds deposit. In speaking with a bank rep. I called state farm who advise they clear the check, and could not reissue another because the check was clear, however no funds was deposit into my account by regions but yet they still are holding the check. When speaking to any rep at regions they all have different stories, and now saying they have XXXX years. Heck no either dopist or send back to state farm. I would never refer anyone to regions, and I am closing my account.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove.
These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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My check was stolen in the mail. the party that stole the check altered it. I have filed a report with the bank, postal inspector, my local police department and the local police where the check was cashed. I am pursuing legal recourse on this matter. the check was altered for more than it was written for. I have been in contact with my bank several times to return my money. they are dragging their feet on this issue aand i need it resolve as of my money in the bank. They said it could take up to 30 days to receive my money which is absurd. The bank in question is Regions XXXX Ms . I really just want this bank to know that this is complete garbage and so other people know to boycott regions. It's one thing if I hadn't pursued legal action. I could understand a waiting period but since ive given them all the reports and they are still hesitate to give me my money back is not right ...
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| 01/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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I've had and account with Regions Bank for almost 3yrs.
I took out Pay Day Loans due to the Covid-19 because I couldn't work companies were down sizing.
I went into to the Regions Bank on XX/XX/2021 t close out my account. The Tailor assured me my Account would be close and gave me the receipt with {$00.00} balance.
I'm under the impression my Regions Bank account was closed until I receive a thank you for your patient.
When I went back Regions the Branch Manager advised me the only way they can close it has to have {$00.00} balance. I wasn't told that if something came through within 24 hours it could reactivate the account.
To day I'm overdrawn by {$630.00}, the Branch Manger was no help at all.
I'm asking my Bank Account to be CLOSED IMMEDIATELY that all I want.
I'm not looking for in Monetary just for this account to be closed. This is affecting my future credit score.
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| 09/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
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Web |
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This was initially a loan that was like a payday advance loan that was tied to our checking account through Regions Bank. It at some point changed to a line of credit that I assumed I could only access through our checking account-like an overdraft line of credit. We closed our checking account and I [ wrongly ] assumed the overdraft line also closed. It did not. They charged us an annual fee that I was not aware of. Then charged us two late fees on their annual fee. A fee for a fee??? They also reported it on my credit report as 60 days late. I have no lates on my entire credit report for 7 years except for this insane issue. I disputed through the credit bureau they will not remove even though Regions removed all of my charges and closed the account when I contacted them about their error. Can they really do this? Make my credit take a huge hit because of reporting late over a fee!
|
| 03/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Per my last complaint # XXXX Regions Bank stated that they would amend my credit score due to their incorrect charges from a closed account. On XX/XX/20 the amendment went through. On XX/XX/20 a letter was sent to me illustrating that a maintenance to the consumer credit reporting agencies to remove the reported late marks was issued and signed by XXXX XXXX. On XX/XX/20 XXXX delinquent account charges reappeared on my credit score. This institution continually promises action and fails to follow through. To date, I have only received on letter in the mail from the institution about this issue and have never received any information allowing me to follow up on the credit score amendment. They have failed to send me documentation such as a reference number or website to review the actual amendment. This has been ongoing since XXXX as illustrated in the previous complaint listed above.
|
| 12/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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I made 4 transactions at XXXX XXXX XXXX XXXX, on XX/XX/XXXX for XXXX mmount of {$790.00} each transaction On that time the merchant said there was a connection problem with the machine of the payment and my bank, so the transactions were cancelled. I checked my online banking and I didnt see any charge or pending transaction. So the purchase were cancelled.
After 4 months the same merchant charged my account for the same amounts without my permission, and having the card locked.
I reported this to my bank and they denied the case without any letter or information about the case.
I called several times to know more about this and request to reopen, but on the 3 calls the call was disconnected, and the other 3 they said " we couldnt find your account '' something is XXXX wihout any sense.
I need to have this fixed and clarified, I have my account overdrwan because of this problem
|
| 01/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/XXXX I mage a typo while requesting a bill pay check. The amount was suppose to be {$1200.00}, I forget to add the decimal and requested {$120000.00}. I immediately went back in to bill pay cancel it and request the right amount with 5 minutes. On Monday I realize that I didnt have access to my online banking. I called Regions bank and was transfer to e banking fraud department. The gentleman kindly explain to me that the problem was the check where I made a typo. He restored my banking privilege and said that my bill pay should be back up in 5 to 10 minutes. Since then nothing. Everything is bouncing. My credits cards are freeze because of return payments. I do not have access to my account. I have called several times with no success. Went to the branch. I filled out all the paperwork and I still do not access to my bank account. This is so frustrating for a simple issue
|
| 12/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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|
Web |
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On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.
|
| 02/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
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|
Web |
Older American |
|
Date : XXXX Someone, by the name of XXXX XXXX, hacked into my Regions on line bank account and using XXXX did 9 transferred out of my checking account totaling {$5000.00}.
I discovered these transfers and immediately contacted Regions bank fraud department.
Over the course of the last 3 weeks Regions told me my money would be refunded within 7-10 days. When that did not happen they told me the had to go to XXXX & it would be another 7-10 days.
On 2-9 I spoke with a Regions representative XXXX XXXX XXXX XXXX XXXX who told me that Regions believes I stole my own money because the IP address was the same as mine. I have checked w/ multiple folks that understand computers. They told me that IP addresses can be spoofed.
I have never used XXXX in my life. I don't know who XXXX XXXX is and no one will help me at Regions.
I am XXXX years old and that {$5000.00} is important to me.
|
| 10/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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XX/XX/2022 I made deposit of {$300.00} and my account balance were {$25.00}. My cash deposit was not received to my account and I had to file dispute. At XXXX XXXX Regions bank. Now I have to overdraft my account to pay stuff. On the banks fault. I am out of town homeless because of this! I had a new deposit XX/XX/2022 of {$360.00}. My account was overdrawn XXXX because my deposit was not cleared this lead me to lose {$230.00} and had {$120.00} available when Im suppose to have {$660.00} from my {$300.00} deposit and {$360.00} deposit. I had more deposits as well to pay my rent! They taking my money because Im paying back overdraft when I never was overdraft! Now my account $ XXXX. And they said when credit come I will have {$0.00} available! When Im suppose to have {$400.00} because Im usin money thats suppose to be mine I should not have to pay the {$360.00} and loose my money!
|
| 02/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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I had XXXX XXXX deposits going into my account and the money was not reflecting the amount that was going in and I was paying extra money to have it instant deposit but instead they were having my transactions pending instead of doing the instant deposit also they were holding my charge back. I saw it that the people put the money in my account that morning, look back at it later on and it was taken out and the bank told me that it was the company but the company said that they put the money in my account and also gave me a confirmation number, The bank kept lying to me only the story would change when I tell them I had proof and showed them that I have screenshots of how the money was deposited through online banking. Also my balance is not reflecting the correct amount. The money was deposited but the balance never changed. Spoke with a supervisor and received the same story.
|
| 04/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My complaint is with Regions Bank in XXXX. My name is on the account with my mom. She passed away on XX/XX/2022. I took them a death certificate after she died and then i tried to close the account and they refused. They told me that i had to get the autopays to stop and then they would close it. I was having trouble getting that information on what was coming out and could not figure it out. I looked in boxes to try and find out where that information was to close them out. They have since told the XXXX XXXX XXXX and XXXX XXXX that I took the checks that the XXXX that I took that money out of that account and I have not used that account in months. I got that bill from that company stating XXXX of those checks equaling {$4100.00} for XXXX, XXXX, and XX/XX/2022 but not XX/XX/2022. My brother and I suspect fraud because something does not make sense to us. Thank you in advance.
|
| 12/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I overpaid when paying off my Home Equity Line of Credit. Regions Bank held my money for 2.5 months and when I paid my personal line of credit payment they applied that payment to my Home Equity line that had negative balance and then they report me as past due on my personal line of credit and then send me back a check for {$770.00} for overpayment. They admitted that it was their fault but no one will fix it I have spent 1.5 hours in the branch and they told me that they fixed it and it has reduced my credit score from XXXX to XXXX. The told me since the branch didnt fix it that they will not accept my dispute and will show that it is past due. No one from Regions Bank will fix it. If they were fined about {$100000.00} or more maybe they would do their job. Do I need to hire an attorney to sue them or can you fine or penalize them for their unethical and illegal activities.
|
| 05/21/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
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.
|
| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
XXXX # XXXX, loan under XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX, loan was paid in full in XXXX on time. Assumed title was electronic, until I sold car and lue. Is still in car. Worked with regions sent all info on to get lien removed and lien is still on car. Please have them remove it. Faxed all info to regions purge line and worked with XXXX XXXX bank president. Told me luen be released 10 days ago and lien still on car loan under XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. Phone XXXX. Vin above. Requesting release of lien car is sold and I can not get title. I did everything they asked and still no release. Bank says it's in purged accts and gave me fax number to release lien, XXXX XXXX faxed info to appropriate line. Nothing happens. XXXX are me do not have loan number any more due to age of loan. I sent ss XXXX, vin and requested lien be removed n it still in car
|
| 11/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.
|
| 07/19/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My husband and I were looking to apply for a home equity loan on our investment property. Region 's Bank online advertisement stated that home equity loans could be done on a first, second or investment home. We applied, never heard from lender on any decision, only to ask us to unlock our credit, and submit financial documentation, we submitted the requested loan documents and never heard from the bank. My husband and I reached out a week later to inquire on loan status and were told we were denied because they do not lend on investment property even though they had the application and knew the reason for the loan application. So Regions ran our credit and obtained all of our personal financial information knowing they weren't intending to approve this specific loan. There online advertisement was extremely misleading and was the reason we submitted the online application.
|
| 06/24/2019 |
Yes |
|
|
|
Web |
|
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To whom it XXXX Concern, I recently purchased a home and had a " mortgage XXXX XXXX '' try and help me. When I showed up to the closing after a year long process. I found out that the mortgage loan processor had overstated the loan and gave the seller an extra XXXX for the sale price. My lawyer was shocked and she stated this never happens. I asked him for help his name is XXXX XXXX he said there was nothing we can do that the seller would have to give me the money That is illegal, so now I am invested into a house that was originally being sold for XXXX to XXXX. I was told that this money would be coming to me, so I invested money into the home, that the seller should have invested in. This is not right, I should not have to pay interest on a loan, that was not stated correctly. I feel I was backed in a corner to sign. Also XXXX said he would try and help and he never did.
|
| 09/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check for {$1000.00} on XX/XX/2022 to regions bank. The check went through fine and was paid to them, but they did not like the way it looked. So they shuttered my account and refused to return any money to me but they keep charging fees on the account. So the money in there is good enough to pay them, but not available for me to use. I went to the local office to discuss it with the manager and was told that all they can do is submit a 'ticket ' because their fraud department has no telephones. It is now XXXX and they still refuse to return my money even though I have given them evidence that there wasn't anything wrong with the check. When I complained that I needed the money one of the employees told me I should have had a back up plan, and I shouldn't deposit checks into regions bank because that is their standard policy to close accounts without notice.
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Due to XXXX forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of XXXX and legally should not have them there.
Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by XXXX should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.
|
| 11/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.
|
| 03/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regions Bank has charged me outrages NSF fees over the last couple of months, each time they take more and more money, they charge my account weeks later for even more fees. Last year the CFPB became very critical of bank over draft fees. Although they agreed to a settlement, Regions bank is still charging outrages NSF fees. This bank thrives off greed and taking advantage of the consumers. I want my money refunded to my account, and for Regions to be held accountable for their actions. We the consumers have enough to deal with especially with the rise in prices. We should not be forced to pay for a CEO greed, Regions should be made to change their banking procedures. They are literally stealing from consumers and not being held accountable, we have had enough. XXXX XXXX XXXXXXXX and XXXX XXXX are now being sued because of excessive NSF fees, Regions Bank is no better.
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I was a target of a scam where the criminals withdrew via XXXX {$4300.00} from my checking account. I am still unsure how the criminals were able to get so much information about my account including my latest withdrawals, address, etc. Because of the information they had and they were calling from a published Regions number on my caller ID, I did not question at the time. Presenting themselves as Regions fraud department they were asking me about debit card purchases which I informed them were not correct. I asked for a new debit card and within that exchange I had to verify through another robocall information that came through a Regions robocall. As I understand it now, through those calls I was authorizing the ACH transfer. Regions has told me because the transaction was with agreed upon security procedures, they will not return the money to me or accept my claim.
|
| 12/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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Over the course off the last 12 months XXXX has applied numerous invalid fees and charges ranging from fraudulent transactions to hidden fees. In all a total of {$4000.00} in these charges have been added to statements. I notified the company in XX/XX/XXXX that we would suspend all payments until the incorrect billing was fixed. The company failed to address the matter and suspended the account. The company are claiming we owe a total of {$8300.00}. I had initially agreed that of the {$8300.00}, {$4200.00} was legitimate fuel usage and offered to pay this amount providing they could provide a correct statement reflecting this. I spoke with XXXX XXXX who refused to look into the matter and threatened collection if we did not pay the balance. She then offered a 20 % discount to which I declined. I advised her we did not need a discount but only to be billed correctly.
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| 04/14/2016 |
Yes |
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Web |
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This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing.
As noted in
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| 11/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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I received my refund check in the mail because I mistakenly used the wrong account number which was linked to a XXXXXXXX XXXX card. It being a temporary card it didnt go through, so the check was sent back to the IRS for them to mail the check to me. Once I received the check in the mail, instead of paying a check cashing place I insisted to deposit the check in my bank account which is Regions bank.
When I gave the check to the teller, she then told me I would have to wait 1 business day then the funds would be available. Never did she say not once that it will be a 7-8 day hold. I deposited the check on XX/XX/2023 and the amount was {$5300.00}. I am not able to get out any funds and i am not able to pay any bills Ive never had to go through this it is very inconvenient and unprofessional with no communication on what I need to bring in to get my funds released.
|
| 10/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I was at the regions Bank on XXXXXXXX XXXX XXXXXXXX XXXX about XXXX in the XXXX I proceeded to put my {>= $1,000,000} check into the deposit smart ATM after the interactions and the going through the prompts the machines spit my card out but it did not give the check back there was no funds loaded to my card there was no check cashed I didn't receive any money and the check did not come back out of the machine and so I am XXXX off it was a check for me to go and pay the down payment on my house today at XXXXXXXX XXXX I was supposed to meet my realtor and I had to call and save that I have no money nothing out of XXXX I'm XXXX off I would like something done about this I need to get my money back my house is on the line it's my first time home buyers and it was going to be a good day today and then this XXXX happens what the XXXX I want my money back I want it now
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| 06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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I applied at Region 's bank in XXXX, Alabama for a line of credit. My credit score at that time according to XXXX was XXXX, my credit score on Experian was/is XXXX.
Region 's Bank denied the loan based on a false credit score of XXXX. I have never had a credit score of XXXX. I have gone to the bank and tried to find out what the problem is. First I was told that I must be mistaken, then I was told that the underwriter said that it was our problem. The branch Manager XXXX XXXX, has not been able to answer my questions. I was told by XXXX this past Friday evening that he would talk to his boss about this. Since that time I have heard nothing from Regions. I believe this is defamation of character and falsification of records. I can not have the same credit score I had because it has taken a hit from Region 's. My credit score is devalued. Please look into this.
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| 02/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
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Yes i have a checking s account at regions bank. I am opt into the program that allows the bank to pay your checks if you exceed a few dollars. Regions have been charging me overdraft fees and funds that XXXX for the checks clearing. They are crooks. if Im opt into the program why are they charging XXXX charges of XXXX for each merchant. if I go to my account and look at a XXXX charge it cleared the next two days they rearranged the draft and let other checks clear to make me have to pay more XXXX chrges. example :. wrote a check for XXXX on XXXX/XXXX/2015. several small merchants checks has cleared my account on XXXX, then later, I check my account the date of XXXX/XXXX/2015 has changed to a later date and the XXXX check cleared on XXXX/XXXX/2015 and the several small amounts where considered as overdraft and non-sufficient funds-with a date of XXXX/XXXX/2015.
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| 10/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
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On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.
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| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We were constantly trying to find out what the problem with our loan. Why it was taking so long and we could not get updates. I spoke with the loan officer and notified her our lock was about to expire. She said they would take care of that. We were wanting to buy a point. I finally ask for her boss, who was rude to me! We were told we were going to close in XXXX. That didnt happen. We were then notified we would have to get another appraisal but they would pay for it. I notified customer service and got XXXX XXXX who said she would look into this. Well we show up for closing and no pkg. The closing agent let me see Closing Statement. We closed on XX/XX/02 and I just got to pick up the closing statement no closing papers.. we could have them on Friday. Today is Monday the XXXX and I just now got the closing statement and check for {$1400.00}. We were lied to.
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| 03/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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|
Web |
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We had solar panels installed in XXXX and they used EnerBank USA to finance the installation. The loan paperwork states EnerBank will re-amortize the loan every 12 months following substantial completion of the solar installation which was in XXXX of XXXX. No actual date is included in the loan paperwork. We were promised we would be able to prepay 26 % of the loan prior to the first re-amortization resulting in a XXXX monthly payment. However, Enerbank did not notify us of the re-amoritization date so we did not get the opportunity to give them our down payment. Now they are charging us additional interest and a {$170.00} payment with no chance to put down our down payment and lower the payment until next XXXX.
This is a deliberate, deceptive and unethical business practice. We have contacted them 3 times and placed complaints. No one even calls us back.
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| 01/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Regions Bank sent me an email about a promotion they were offering due to the coin shortage impacting the US. They were waiving fees for loose coin bought to the branch to sort and count it. On XX/XX/XXXX I took a bag full of loose coin for deposit. I dont know the total but estimate its about {$150.00}. I signed a form and provided my deposit slip and was told by the teller I would see a deposit with 1-2 weeks after the bag is sent to the main vault. After waiting and seeing no deposit, I contacted the branch by phone on XX/XX/XXXX. They opened an investigation. I never heard back. I visited the branch on XX/XX/XXXX and was told they do not know what happened. There were no notes on the ticket opened for the investigation. I was told to wait until Monday XXXX to follow up again. There seems to be no sense of urgency locating my money and making the deposit.
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| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
On XXXX XXXX 2020, I applied for an extension on my car loan with XXXX website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth.
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
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| 08/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, on XX/XX/2020 I noticed several unauthorized charges on my debit card with regions bank. Shortly after, new charges popped up labeled ATM Fee which showed that these charges were actually several different out of network ATM withdrawals. I immediately contacted the bank, and notified them and started the claim process. The interesting thing is though that my card never left my wallet, and I was working at the time of the transactions. Yesterday, a week after filing the claim, I was notified that the claim had been denied and I would not be refunded my money, and am out of over {$700.00}. Even though the associate who filed told me that there are many ways my card could have been cloned and used, this was there reason for denying my claim. I am extremely upset to have lost money and have been a great value customer at regions with no issues until this.
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| 11/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I filed a claim with Regions Bank last month about some transactions that I am not familiar with.
Regulation E requires financial institutions to investigate and resolve errors in a timely manner, it also outline general timeframes, and the institution must generally complete its investigation within 10 business days of receiving notice of the error. If more time is needed, it can take up to 45 days, but the consumer must be provided with provisional credit during this period.
Although 10 business days have passed, Regions Bank has failed to credit my checking account ending in 0241. They are now in violation of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ). I have been patient which Regions Bank, but they are required to operate in compliance to 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) when handling a consumers funds.
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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On XX/XX/18 I had {$21.00} in my account after my {$10.00} and {$7.00} transactions cleared I had {$3.00}. I then had a payment for {$82.00} come out of my account. this should have put me negative {$78.00} however regions changed the timeline of the transactions to make it so that I would over drawn multiple times and receive multiple fee 's. they made the {$82.00} transaction come out first even though it was the last transaction made that day resulting in me receiving over {$100.00} in overdraft fee 's. I am a XXXX XXXX with medical issues and feel completely taken advantage of. this is literally making it so I can not get my children groceries. when I asked regions for information on how to submit a complaint I was told I would be transferred to the department however was transferred back into the automated voice system. I want the fee 's refunded asap.
|
| 05/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I happened to discover two unauthorized bank activities/withdrawals from my Personal Checking account in XX/XX/2020 for XXXX XXXX, one on the XXXX and the other on the XXXX.
I opted to discuss and dispute these two unlawful activities with Regions my Principal bank. I urgently requested the specific status of these unauthorized transactions and the persons and institutions involved.
My multiple requests were and are still ignored or not acknowledged. As I did report the ID Theft to the Federal Trade Commission that advised on sending a letter to Regions with objective being to re-dispute and urgently obtain answers and cooperation from the bank, they have again and intentionally failed to respond.
I have since opened and maintained a new account and new information. However, I remain perplexed at the bank 's offensive and unlawful lack of cooperation.
|
| 01/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I am writing in regards to my Regions bank account. When you call the automated system to verify that checks have cleared my account, the system says that the check has cleared and then the funds are taking out the account. Several days later the money goes back into the account and the check is returned. But the automated system says it 's paid. I also filed for a loan on XXXX different occasions and the never received a denial letter from the bank. The first time I went in I applied for a loan, no letter. Go back a second time and apply with a co signor with a XXXX credit score. I then received a letter of denial but the co signor did n't receive a denial letter. Go back and speak with the branch manager and he stated I could receive the loan with co signor. He stated he did the loan but was denied. Still no denial letter. This is blatant discrimination.
|
| 09/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
|
|
My wife and I had two electronic withdraws made on the XXXX XXXX and XX/XX/XXXX for our mortgage. We only authorized Regions Bank to withdraw only one payment.
We called Saturday XXXX XXXX to alert them and Regions bank representative said it would be sent back into our bank account at XXXX XXXX XXXX for the amount of XXXX. They say it would take a few hours on Saturday. Monday they said they didn't send anything to us. Monday we spoke with customer service and the manager XXXX XXXX and he said the money would be to us by Wednesday the XXXX today by noon. The money never came. We talked to a Supervisor on the XXXX and said a wire transfer would be issued immediately and XXXX bank would put a hold on it. We called XXXX and we talked to a manager named XXXX.
We still have no money and our bank XXXX emailed us and said they do NOT hold wire transfers.
|
| 02/27/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.
|
| 08/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Description : On XXXX XXXX, I received a call from someone who announced themselves as regions bank. They said that they were calling to verify suspected fraudulent charges currently being attempted in XXXX XXXX XXXX. I live in XXXX XXXXXXXX XXXX and at the time was on vacation in XXXX XXXX with my kids. I asked them to verify who they were... so they sent me a text from regions. The text came and they asked me to verbally verify the code. The next morning I noticed {$4500.00} was taken out of my checking account. I contact the bank an create a fraud complaint. They ended their investigation and gave me word yesterday that they are not giving me my money back. That this is a ach dispute. The assailant had all of my personal information and created a direct deposit. But it just says ach for the destination. " Therefore there is nothing they can do. ''
|
| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
On XXXX XXXX2020, I called Regions Bank in XXXX, Texas and I talked to XXXX and he told me that if I came in before the XXXX of the month my Social Security Check would go into my account. So myself and my daughter went there and opened a checking and saving account on XXXX XXXX. And XXXX at the branch, helped me and my daughter with this, and XXXX said that she would take care of everything and make sure that my Social Security check went in direct deposit. On XX/XX/2020 and my check was not in my account and Regions Bank just makes excuses and won't do anything about this problem. And talked to Regions Bank on XXXX XXXX2020 and still they refuse to make this situation that they caused to make it right. A supervisor told me on XXXX XXXX2020, that the corporate / executive office would not call me regarding this matter/mess that Regions Bank did to me.
|
| 01/04/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out mentally, emotionally and physically continuously. TimeframeXX/XX/XXXX-XX/XX/XXXX
|
| 11/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.
|
| 10/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had XXXX until yesterday and made several purchases thursday to sunday which showed in my account and were deducted and account was positive in good standing balance XXXX. Monday i made some checks to some people on which funds were deposited to the other persons account on Tuesday. Today ( tueday ) I checked my business account and is showing an overdraft fee of {$720.00} i also had other deposits coming. The overdraft fees were comimg from transactions that were done on the weekend which at the time the account was POSITIVE and still is ( the account has not been on negative, or they were not showing it ) Today its showing an excessive fee and the way the bank put the transactions were as they were done after the checks were paid so they could charge me an excessive amount of fees. Is not the first time they have done this to my account. Regions
|
| 01/22/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I received an unemployment check because the Region communicated that my account was closed in error. The state of Texas issued a paper in which I deposit and request immediately available with a fee. Region waived the fee and made a deposit and removed XXXX of XXXX fees. The next morning the back office put on another 9 days hold even though the state of Texas was on phone informed them that issue a paper because of bank communication of closed account. Now that fund are not available my phone and electrical was disconnected. I have now is subject to to XXXX in fee because of a Region Bank error. They have not been deposit unemployment timely even when I have trace number to prove that deposit should be in my account. Since I have been displaced federal employees, I have been continue to get fee in error. They apply fee then release deposit/credit.
|
| 09/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
My bank account at Regions was linked to XXXX XXXX and someone hacked my XXXX XXXX took out over XXXX in transactions and sent it to them selves. I hardly used XXXX XXXX or got on so didnt notice my bank didnt catch it, I sent them pictures showing who the money was and to and amounts if you track the names youll see its a scam. Regions told me they cant do anything and Im left with nothing. Regions denied my claim twice and will not help me in any way Ive banked with them for over 15 years Ive always kept XXXX or more in my account there and now that someone drained it they will not help me get it back or just help me. Ive never filed fraud before Ive never caused an issue with them or any bank and now my kids are hungry because. My account was drained. XXXX XXXX told me its on regions regions told me its on XXXX XXXX please help me.. please help
|
| 10/31/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently filed bankruptcy stop the property foreclosure sale of my home.
My Bankruptcy has been dismissed and I recently submitted financials and request for mortgage modification again. Regions bank has given me a hard time with my request for mortgage assistance. Regions has informed me last week they would not review my file because I was on XXXX. I did provide the requested documents I don't want to lose my house to foreclosure. Received a letter in the mail from the XXXX XXXX XXXX Regions foreclosure attorney stating there is a property foreclosure sale set for my home XX/XX/2018. The letter is dated XX/XX/2018 the Tennessee law states the homeowner is to be given 30 day notice before the property sale date. I didn't receive this notice 30 days before the sale date. I feel I'm being discriminated and not being treated fairly. see attachment
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Excessive overdraft fees. Transition days are always finalized on same day when money is coming next day to finalize overdraft charge. If not overdraft charge is convenient, bank takes DAYS to finalize transactions. If bank sees it convenient to charge one before the day before payday, they immediately finalize payment same day.
Why do they allow merchants to charge if there is no money in the bank? Dont allow the merchants to charge! Theres no money! Ive spoken numerous times with bank.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage was sold to Regions bank during the first year of having it. I wasrequired to sign up for a new online account with a bank I wanted nothing to do with in order to maintain my mortgage. Early on this wasn't that much of an issue, but in the last year Regions has become more aggressive using my personal information in attempts to try and sell me services that I do not want or ask for even though I have reported to them many times that my information is not for them to use as they please. I have asked multiple times to be removed from any and all lists that do not pertain directly to my mortgage statement and while I am assured every time that this has been done, I will receive something else the next month. They also don't provide any means to unsubscribe from their mailing lists in the emails I receive. I want this harassment to end.
|
| 07/09/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Back in XXXX, I received an offer from Regions Bank to open a savings account and fund {$2000.00} to receive a {$200.00} bonus.
I opened the account and added the {$2000.00} to account in the time frame required to earn the sign up bonus.
I waited for the {$200.00} to show up, but it never did.
I contacted the bank and they told me that I won't be getting the {$200.00} bonus because the {$2000.00} that I funded did not come directly from an outside bank.
No where in the terms in conditions states that " New Deposits '' have to come from an outside bank. They refer to " new balances '' but not " new deposits. '' I believe that their terms & conditions are purposely vague and misleading to prevent people from earning the bonus.
Therefore, I would like the CFPB to help me get the {$200.00} bonus.
I will attach a copy of the email promotion.
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I Had submitted online loan applications trying to get a loan to help with my bills and my account received and an mobile deposit in the amount of XXXX and upon further review my account was locked due to it being fraud I physically went to my bank and called the numbers that was provided for my account and upon talking to customer service rep I was told that a mobile deposit was made in my name but I never made an mobile deposit in the amount stated above and the loan company that called me asked for my bank account number and routing number and I did not think nothing of it because i thought that was the process of getting an loan the loan was initially for XXXX but the person i talked to whose name is XXXX said that they would make a deposit of XXXX to boost my credit and help me get a bigger loan all they needed was my account information
|
| 08/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have been banking for several years with Regions Bank XXXX XXXX XXXX FL XXXX.
They have an unfair practice of deleting the largest withdrawal first from our account and then the smaller ones. So If you have XXXX large and XXXX small ones what happens if our funds are border line the larger one will be cleared and most of the smaller ones will not be cleared and then we are charged {$36.00} per t transaction!! If the smaller ones are cleared first there is a good chance that there may only XXXX {$36.00} NSF rather than XXXX. This has put a serious burden on us.
We do live from paycheck to paycheck and try very hard to have sufficient funds available but with this unfair practice they are ripping their customers How many banks follow this practice and is it legal?
off big time. This has gone on for several years and we are tired of it. How
|
| 07/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX, I was out of state and wanting to use my card through XXXX XXXX to make a payment for parking. I tried to send payment through and it would not process. My sister attempted the same and could not successfully process a payment either. She proceeded to use a XXXX card to complete payment. We thought it was a fluke, went to another store and had the same experience, I ended up using a card I had with another bank. The store clerk told me that other Regions Bank customers were having that same issue that day. Had she not shared that anecdote, I would have had no clue about what was going on. Money was in my account but I could not use it. I filed a complaint with Regions XX/XX/XXXX and still have not not received follow up. I called the customer support line and am having a hard time getting through to a person to follow up with.
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
This bank is not following Regulation E guidelines. They charged me an NSF fee on an item still pending. After all items had posted on XX/XX/XXXX there was a POSITIVE balance of {$30.00}. The NSF fee hit that night causing the account to go negative {$5.00}. The item that caused the NSF fee is still pending on my account. Pending items can be removed by the merchant at any time. That is why you can not dispute and why FEES can not be charged against a pending item. XXXX, the call center manager on duty XX/XX/XXXX at XXXX XXXX, needs new yearly training to be updated on Regulation policies. This is federal law this bank is breaking. At the end of business day of XX/XX/XXXX my account was positive. I demand my money be returned as it was stolen by Regions Bank. This bank is so fee hungry, they will take a fee before the transaction even posts!
|
| 07/19/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We have a small line of credit with Regions Bank, around {$7000.00}, and received a letter with second and final notice to provide insurance information on our home after changing insurance companies. We mailed the requested information after the first letter was received. We 've asked now a second time for XXXX XXXX to send information directly to Regions. Because a potential {$2100.00} extra is to be billed to us on insurance from Regions, we are contacting CFPB asking if you could help us with communication. Also, when we took out the line of credit, it was not made clear to us that our home was being attached. We signed documents that we were told were based on our personal credit ratings as a personal loan. We remember this as we were told the rate we had to pay the bank was a little higher than the best rate based on our credit scores.
|
| 12/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
During a recent review of my monthly statement I recognized several unauthorized charges from the XXXX XXXX which were supposedly initiated by my XXXX. I immediately notified Regions Bank of my findings. Because of past experiences regarding a lack of follow through on the bank 's part I declined to initiate a dispute of the charges and instead contacted XXXX myself. I was able to request a refund for all of the purchases. The refunds totalled approximately {$450.00}. I placed a follow up call to Regions requesting a refund for any overdraft fees charged as a result of these unauthorized purchases. I was given a blatant " no '' by both the CSR and her supervisor. I do n't feel that I should be charged overdraft fees for purchases which were refunded especially since I had to pursue the unauthorized charges myself to get any true resolution.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/23, I discovered that my minor child had made {$4800.00} worth of unauthorized charges with my debit card. I contacted Regions to cancel the card and to file disputes.
The charges were all made through 2 merchants that were a part of my online wallet. Regions issued a temporary credit. A month later I received a letter that Regions found the charges were authorized and they would be debiting the {$4800.00}. I contacted their customer service and the lady I spoke with said the merchants had provided a copy of my ID so they did not consider it unauthorized. I explained that I did provide my ID as a part of opening accounts with the merchants but I did not authorize a single one of the charges. She said there was nothing they could do. I did not authorize these transactions. That was literally almost all of the money in my account.
|
| 04/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a letter in the mail today, XX/XX/2020 from XXXX XXXX XXXX XXXX stating that " the records of Regions Bank show that your account has a past due balance of {$5500.00}.
Creditor : Regions Bank Client Account # : XXXX XXXX Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} XXXX Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of Regions Bank. I don't have an account there and never have done any sort of business with them.
I have an outstanding credit record.
I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help!
Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
|
| 08/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My homeowners insurance policy (dated XX/XX/XXXX - XX/XX/XXXX) with XXXX was cancelled due to Regions Mortgage (XXXX XXXX prior to XX/XX/XXXX) failure to pay the premium. They then deducted $XXXX from my escrow account for forced-placed insurance. My loan originated in XX/XX/XXXX. Regions Mortgage failed to pay the homeowners insurance due in XX/XX/XXXX and XX/XX/XXXX. Although they claimed to have paid it, they did not provide proof of those payments. After multiple attempts and countless hours on the phone with customer service, they eventually credited back the premium amount to my escrow account and reissued payment just days before the policy was going to be cancelled again in XX/XX/XXXX.The same issue for the previous year has yet to be fully resolved. My statement shows both a premium payment and the additional $XXXX was paid out.
|
| 07/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I received a fraud alert from Regions regarding a debit to my account from XXXX XXXX. I promptly responded to the alert, informing Regions that it was fraudulent as I do not use XXXX XXXX for any reason. The alert successfully prevented six charges from being processed, but unfortunately, three charges did go through and were posted to my account. I disputed these charges with Regions, but XXXX XXXX responded stating that the charges were valid, despite my inability to access the account. XXXX XXXX charged my account three times for a total amount of {$43.00}. Additionally, there were other charges posted to my account prior to these that I do not recognize. The company responsible for the purchases is based in XXXX. As of now, I have not reached a resolution, and I have filed a police report, although I am unsure of its effectiveness.
|
| 11/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016, I activated a Regions Cashback Rewards offer to earn {$75.00} cash back when I made XXXX transactions with XXXX XXXX XXXX of at least {$15.00} using my Regions debit card. I made XXXX transactions of at least {$15.00} on XXXX XXXX, 2016. Per the terms and conditions " Your {$75.00} Cash Back is earned within 30 days after making your second transaction. '' As such, the {$75.00} was earned on or about XXXX XXXX, 2016. To date, the {$75.00} has not been paid out by Regions bank, despite confirmation from that the purchases qualified. I have contacted Regions in attempt to resolve this matter prior to contacting the CFPB, however the response I received was that it actually takes 60 days to post these funds to my account. Unfortunately, that is in direct contravention to the explicit terms and conditions of the offer.
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was scammed on a phone call dated XXXX/XXXX/XXXX, I wired over $ XXXX to someone posing as XXXX XXXX. I am usually very diligent regarding scams ; however, this scammer called me from the XXXXXXXX XXXX customer service number ; therefore, I thought it was legitimate.
I immediately reported it to XXXX XXXX 20-minutes after on XXXX/XXXXXXXX, and they did not notify the bank where my funds were transferred until the next day. XXXX tried to recall my money from Regions Bank ( Alabama ) the following day and continued to try for 28-days. However, Regions Bank will not respond to any of XXXX XXXX inquiries and XXXX XXXX has now closed my investigation. I need help, I can not pay my bills as this was my life 's savings.
I have attached my XXXX XXXX statement for the affected account, this account has since been closed by XXXXXXXX XXXX.
|
| 08/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Hello- On two different occasions Regions bank claims they never received our payment. When it happened the first time, we simply went to a branch. Today, because its convienent for them, their branches are closed. When we called on the Regions greenline phone, we were told our " credit card/credit line could only be handled by a branch loan officer ''.
We are making this formal complaint because Regions does not allow us to email them. Regions does not have phone staff in place to assist us with our issue. Regions branches are closed to anyone who is not a current account holder. Our current bank paid Regions on XX/XX/20 {$1000.00}. Regions didn't cash our check until XX/XX/20. To this day, Regions has NEVER credited our account for the payment.Regions has also illegally attached a late fee of {$49.00}, and still shows us as late!
|
| 01/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.
|
| 03/17/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I applied for a {$10000.00} HELOC with Regions Bank based in XXXX, AL.
I have a credit score of 794-810 on all three credit reporting agencies. My application was denied because of income to debt ratio. I have {$1.00} XXXX in liquid assets to cover a {$10000.00} line of credit. I sent the lender a balance sheet showing my network and offered to send them current quarterly statements to validate my network but they never made the request. I have a running balance of $ XXXX {$24000.00} in my checking account with XXXX XXXX XXXX XXXX My point, I was denied based on race and age and not my ability to repay the loan. My assets are in mutual funds, stocks, 401-k, IRAs, and Roth. All of debts are paid ahead and will be paid off ahead of the terms. I pay extra principle on my mortgage each month. I have a XXXX that is paid ahead 4 months.
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I noticed that I had an NSF Fee of {$72.00}. I called to ask why and I was told that I was overdrawn because I had a PENDING monthly charge of {$9.00} from XXXX. On XX/XX/18 I was charged an additional {$36.00} after the XXXX charge changed from Pending. I called again to ask why and I was told that this charge was from the XXXX charge of {$9.00}. When I confronted the representative and told her that the last person I spoke with had told me that the initial charge of {$72.00} was for the XXXX charge, she changed her story and could not explain all of the charges. Regions bank has been doing this for years and I am ready to close this account. They say that these are normal procedures, but I have accounts with 2 other banks and I never have any problems and do not get charged overdraft fees for pending transactions.
|
| 03/28/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I have had a Home equity line with Regions Bank since XX/XX/XXXX. I decided to close the home equity line because they were charging me {$50.00} fee to keep it open. They sent this charge to their collections and reported it to the credit agencies after they gave me a written promise to wave off the balance to this fee back in XX/XX/XXXX. The letter was from XXXX, senior Vice President for collections- XXXX. This has affected my credit score ( XXXX to XXXX ) negatively. I have been to the XXXX Branch of Regions twice and each time they promise to close the equity line. I have called XXXX and disputed this late charge.
One another note they did not report interest on my mortgage to the IRS in XX/XX/XXXX only send me a letter in XX/XX/XXXX that they had made this mistake.. I had get my accountant involved because of their mistake.
|
| 11/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees.
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.
|
| 07/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2019 I closed my line of credit account with Regions bank. I have been I. Touch to settle the account also. I did a dispute with credit bureaus because I the consumer closed this account they will not report to the credit bureaus I closed this account. I have Wrote and called still this account is not reporting as closed by the consumer. I want the account closed as I ask them and report it correctly to the 3 bureaus.
I also wrote to settle the account they are asking me for my tax returns and I have provided them my income from my employer I work part time now and wanted to settle this account. They said I need to provide my taxes return I file jointly with my husband I dont deel his information needs to be in there possession. Please help me get this account closed dating back to XX/XX/XXXXwhen I requested to close it.
|
| 01/24/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account thank you.
XXXX XXXX
|
| 05/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX at a XXXX ATM a withdrawal transaction for the amount of {$200.00} took place without my authorization. A police report was filed at the police department located at XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX in which I was given a case number : XXXX.
The police report was presented to Regions Bank to initiate an investigation in which it was concluded that the transaction was normal, that my card was used with my pin, which is FALSE.
I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.
|
| 07/13/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I AM AN XXXX YEAR OLD MAN WITH A SMALL REGIONS BANK SAVINGS ACCOUNT. I LIVE MOSTLY ON A SOCIAL SECURITY XXXX PENSION. I AM XXXX XXXX XXXX IN MY XXXX XXXX AND CAN NOT READ WITHOUT A BIG MAGNIFIER IN MY XXXX XXXX, WITNESS MY USE OF AJLL CAPS.
I HAVE A RECENTLY OPENED SMALL STOCK ACCOUNT WITH XXXX.
WITH MY XXXX XXXX BLOW UP FEATURE AND CAN MANAGE. RECENTLY I NOTICED THAT REGIONS WAS FINING ME {$12.00} WHEN I TRANSFERRED FUNDS TO MY STOCK ACCOUNT. XI HAVE NEVER TO MY KNOWLEDGE BEEN ADVISED BY REGIONS THAT THEY WERE DOING THIS. I GET NO HARD COPIES OF MY STATEMENTS. IT IS REAL HARD FOR ME TO TEAD ON LINE STUFF.
I DO NOT THINK REGIONS HAS THE AUTHORITY TO TAKE {$12.00} DOLLARS FROM THIS OLD SICK MAN EVERY TIME HE TRANSFERS & XXXX OR {$100.00} DOLLARS TO XXXX FOR HIS NEW GREAT DAUGHTER XXXX. IT SIMPLE IS UNREASONABLE AND UNFAIR.
|
| 10/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a new Account with Regions Bank and told them to Deposit {$500.00} in the Checking Account and {$50.00} in the Savings Account. They took the {$50.00} for the Savings then a error occurred where they took out 2 {$500.00} amounts from my account. They claimed the first {$500.00} amount was declined but my other financial institution said they were both approved. They then fixed it then within 24 hours of fixing it they did the EXACT SAME ERROR AGAIN. I have been fighting tooth and nail with them for 4 days getting this resolved and the entire time they have " forgotten '' about the first bank error and told me flat out to file a dispute. But I need this {$500.00} to pay bills and this has turned my life upside down and all I wanted to do was open a bank account to make my life easier. In reality the opposite happened.
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have an account with Regions Bank. On XX/XX/2020 an unauthorized ATM transaction of XXXX dollars was made and I reported this the same day if not the next day after it happened. I called three days before filing this complaint to get an update on my case. They said that it was concluded and determined that this transaction was valid. I asked for evidence and validation of this transaction and they failed to give me such information, given I also have a police report regarding this and which they also refused to accept because the case was already concluded. I asked for upper management and they also refused to help me. This not right, given that this was an ATM transaction and there is video footage that they can easily verify and provide evidence regarding this false transaction that now I am being unjustly responsible for.
|
| 01/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
On XX/XX/2021 i was victim of a fraud where i tried to reach out XXXX customer service and ended up calling a spoofed number XXXX XXXX XXXX that presented to me as XXXX but it was a fraudsters call center. They also gave me the number XXXX XXXX XXXX.
I asked that i wanted to process a return and they induced me to use XXXX setting up a recipient on my XXXX account to emails below : XXXX XXXX I ended up sending {$1300.00} to XXXX with transaction number XXXX. I have a police investigator working this issue ( Police report : XXXX ) and requested XXXX to provide the recipient bank that resulted to be Regions bank in Alabama. Police is asking now Regions bank to give details of the account owner that received the funds and we request to have the funds returned because they are fraudsters and they are stealing money from people.
|
| 10/31/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
|
|
on XX/XX/XXXX we went to regions bank in XXXX tn from XXXX tn about XXXX min. i called the XXXX brance to check rates on a home equity loan with a fixed rate and i was told it was XXXX to XXXX XXXX and no fees at closing. after they got all of our information and all the documents i carried with me we were told they should have a answer for us by wednesday. as soon as we got home we got a call telling us that our rate was over XXXX XXXX and we could only get XXXX equity when we have over XXXX in equity also we were told we had a debt to ratio issue which is not correct. we only have our mortg of XXXX and 2 vehicles and we bring in XXXX a month which is XXXX a month not including all our assets that she took down. most of the time when buy something i always get tier 1 credit because of our good credit that we have built up.
|
| 11/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My husband and I are on XXXX. I have been trying my best to keep up with our bank acct at Regions Bank. I have gotten all my statements together and in 2016 so far they have taken out overdraft charges in the amount of XXXX and returned item fees in the amount of XXXX. I went to the bank and my account was getting hit by debits that i did not authorize. The bank said that when my acct was in the XXXX i could come back and open another acct. We are on a fixed income and can not afford these charges. Please tell me what i can do. Our checks are direct deposited so they just keep hitting me with charges and my house payment and utility bill has been returned unpaid so many times that i can not write a check anymore. As you can see i would have more than enough money to pay my bills if i was not PAYING the bank!!! PLEASE HELP ME
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
On XX/XX/2023 I attempted an ATM withdraw in the amount of {$500.00} from Regions Bank in XXXX, TN XXXX XXXX, using my XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine malfunctioned and did not disburse funds. The machine prompted me to remove my atm card in order to disburse funds. I took my card but the message remained on the screen. No funds were ever disbursed. I tried to cancel the transaction but the machine locked up then timed out. I went to another bank and got my funds. I noticed a few days later my account was debited for {$500.00} which included the {$4.00} transaction fee. I filed a dispute with XXXX. The results were not favorable and showed I received the funds which is totally inaccurate. I further requested another investigation to include a full audit and to include video from the atm machine.
|
| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
As a customer of Regions Bank I have been discriminated against and treated as a criminal with my account and or funds being hijacked and withheld without just cause. I have been denied and threatened with police force several times while visiting the bank in an attempt to withdraw my funds. I have been traumatized and my dormant XXXX has been triggered and aggravated as a result of my life being threatened.
XXXX a XXXX XXXX XXXX XXXX veteran.
My accounts have been manipulated and flagged to treat me a fraudster instead of a customer. I have been denied access to withdraw my funds, debit card charge denials, and online services such as XXXX has been maliciously and frequently interrupted which has caused me personal and business conflicts to send money to family and friends and business relationships and or investments.
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states that the foregoing is true snd correct to the best of my knowledge.
Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.
This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. all is being investigated by the FTC
|
| 11/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Hello, I had money stolen from my account earlier this XXXX, the week of the XXXX, mainly the XXXX ( card was stolen ). It was around {$1100.00} dollars.
The bank I have is called Comdata ( XXXX ) and they have brought me in circles since XXXX.
The first time I called, they told me I was guaranteed my money back. All of a sudden, I called and they told me my XXXX Claim was denied. They said I received an email and I have not. Which means the only way I would have known that information, is if I called. Its unacceptable that thats the way I found out.
After learning that, I told the lady to resend me an email and it has been maybe XXXX weeks and I still did not receive an email. I called for another time and another lady gave me a case code. This Comdata ( XXXX ) is a very bank shady company. I do not recommend at all!
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| 09/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I called my bank, Regions Bank, on XX/XX/2022 to inquire about an Auto loan with the representative there. The banker answered some general questions regarding current rates, used car mileage and year requirements etc. That was the extent of the interaction. I never applied for a loan with Regions bank because that weekend I ended up purchasing a car and financing through the dealer. A couple weeks later I received correspondence by mail that I had been denied for an auto loan. I checked my credit report and found that Regions bank had initiated a hard inquiry on my credit with no approval or application submitted by me. I called the bank to inquire about this and they have refused to provide a copy of the supposed loan application that was submitted because it was their banker that submitted information without my consent.
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| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
|
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Been trying to get a hold of someone in customer relations with Regions for several months. The hold time is always above 40 minutes and has been extremely difficult to get in contact. I do not live close to a branch so this would be my only form of communication. I tried their online web chat as well trying to talk to a real person and over an hour went by with no response. I have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX so I have not received any mail. I also have no received any calls to make me aware of card cancellation. I've never missed a payment in 7 years and since they are too hard to get a hold of they didn't send me proper paperwork to inform me the card was closing. They call all the time about promotional products or late payment but no phone call for major account changes? Seems deceptive to me
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| 12/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
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I saw an advertisement on the REGIONS website offering a {$200.00} sign up bonus by doing a deposit of {$500.00} and XXXX debit card transactions. I had XXXX days to complete these requirements. Very simple to do, however it took nearly XXXX weeks for me to receive my debit card and when I did I activated it the same day and used it XXXX times the very same day. They have not honored their advertisement and they are still running the promotion right now. I do not understand why they are not honoring the bonus when I did the deposit and used the debit card. They seem to be trying to get out of paying the promised money by using a technicality but that is in bad faith because I did what was required and it was REGIONS that did not use a fast delivery service when everybody knows the XXXX has been delayed for over a year now.
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| 09/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX ) ( Regions Bank ) ran an unauthorized credit inquiries on me on ( XX/XX/2019 and XX/XX/2019 ) and ( XX/XX/2019 ).
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX ) ( Regions Bank ) and investigate such occurrence.
I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Thank you, XXXX XXXX
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| 12/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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|
Web |
|
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Our company account was closed due to the sale of the business in early XX/XX/2018, we have a credit balance in the amount of {$670.00} that we have been attempting to recover for the past 4 to 6 weeks. We have made 3 calls to their customer service number, the last time today, XX/XX/2018, and the we are told that a request has been sent to their AR department who is responsible to process the refund, but when a call is made to check on the status of the refund there is no update to our account.
Their customer service staff acknowledge that there is a credit balance and that a refund is due and that we will receive notification of the status and a refund check. But as of this date we have not received the refund check and they and they can provide no additional information since it is in the hands of their AR department.
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| 08/23/2023 |
Yes |
- Credit card or prepaid card
- Payroll card
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|
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Web |
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When to the bank to withdraw money but only XXXX cents wasn't in my account I call immediately to dispute three unauthorized transactions where on my card on two on XX/XX/23 for XXXX $ and XXXX $ and another one on XX/XX/23 for XXXX $ after the call i got message 21 days later saying that there was not enough evidence to prove my case so I sent a police report and thru email because no one is available on phone which is shady also ask what other evidence can I provide to prove my case got the same generic email I'm convinced this company is a scam comdata fintwist this is hard for me because a total of XXXX $ dollars was taken of my card and the company who job it is to protect it wont help get it back even though I the under 21 day which states im am covered by there zero protection policy this is not right please help
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| 12/16/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, 2016 I requested a transfer of {$2000.00} from my saving account ( XXXX saving XXXX ) to my checking account ( XXXX + XXXX checking XXXX ) I was told I could not make this transfer because there was a hold on my account because there was no signature card on file.
REGIONS BANK CUSTOMER SERVICE e-mailed me a blank signature card and requested I have it NOTAEIZED and e-male it to them ( attached ).
I complied with this request ( attached ) 3 times each time I was told to go a local branch I live in XXXX there is no local branch so I mailed the form with a return recipe ( attached ). I was told this was a copy and not accepted. and sent another form I had that form NOTARIZED and mailed to them. note : raised stamp is not required in VIRGINIA I have had a checking account with Regions Bank for over 15 years.
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| 01/24/2024 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened without my consent or knowledge
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Web |
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In XXXX of XXXX, I received several pieces of correspondence from Regions Bank. The letters were to let me know that certain checks for an account in my name were being returned for NSF. I do not, nor have I ever had an account with Regions bank. I went to the local branch ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) and was assisted by a manager on duty. I was advised that the account was in my name but had a different driver 's license number. I am unclear if it had my SSN. Several phone calls with this manager over the next few weeks, I was assured that their investigation was complete and the accounts would be closed in my name.
I received a new correspondence from Regions bank dated XX/XX/XXXX stating that another checking account issue had been discovered on my account. I have filed another identity theft complaint.
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| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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|
Web |
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Most banks are frauds with duplicitous dealings. I have filed an ID theft report and will file a police report in due time for the ID theft to hopefully ultimately determine and catch the perpetrator. Regions Bank is of no help and only serves to harass me. I already filed a complaint with the XXXX to contact them with the resolution of not contacting me about a fraudulent account. I am sure they will do their best to craft and intricate lie in response to this complaint while ignoting the XXXX complaint. I am paying a lawyer an extensive amount to clean up the ID theft and don't need to waste resources on some subpar regional FI who can't even comprehend the factors and steps involved for a true property rights claim. Maybe, like most banks, they can " legally '' steal someone else 's money who is more unsuspecting.
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| 07/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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|
Web |
Older American |
|
We took out a closed end line of credit to do a leak problem in our basement. The total amount of the loan was {$5000.00} which we used all of it. We made an early payment of {$100.00} before we had to make any payments and EnerbankUSA applied it to interest only and not the principal. When I called the company they said that they apply payments to interest only during the draw period. There isn't a draw period since we used the money in total and didn't take out anymore that what we needed. According to EnerbankUSA all our payments will be applied to interest until the interest is paid and then it will start to apply to principal. Nothing in my not indicates this is the case. Item XXXX XXXX Installment loan states " The outstanding loan balance when the line of credit closes will become a fixed rate installment loan.
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| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Regions Bank credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with Regions Bank was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called Regions Bank today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information.
I'm attaching an example of this account via credit report to help you analyze the problem.
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| 06/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to XXXX. XXXX claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX XXXX payment {$2200.00}. The Trace number is XXXX It has been further reported that XXXX sent these funds to my new loan service provider Regions Bank. They claim funds have never been received.
|
| 12/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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|
Web |
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I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.
|
| 09/10/2020 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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|
Web |
Servicemember |
|
I had a transaction on XX/XX/2020 in the amount of {$51.00}. The merchant agreed to refund the charge. The refund never was applied to my account. I had no choice but to file a dispute. I provided a copy of the merchants email stating they will refund my money. Comdata told me I must wait the 5-7 days. I waited the 7 days. I was told by comdata to file another dispute again. Now I have waited more than 10 business days. Comdata supplied me an email stating they have posted the {$51.00} provisional credit today. They never did post that to my account. They flat out maliciously lied and are trying to test my knowledge. They are very un compassionate and rude in this regards. Now they are telling me I need to file another dispute ( which would be the 3rd time for this same transaction ) I will attach emails from Comdata
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| 09/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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My XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hacked and fraudulent charges incurred on my card I confirmed and reported the fraud immediately and filed a dispute Waystar denied me protection from the fraudulent charges on the grounds of the Business 10 card rule https : //www.consumerfinance.govXXXX XXXX XXXX apparently they are using this loop hole to get out of paying these fraudulent charges I have had my CC hacked in the past several times I reported it or they notified me CC was blocked They took care of it but this time i was denied protection because of this 10 card rule so far they have not shown me this 10 card rule in there terms and conditions only give me the above link to the fed statute any help in this matter would be greatly appreciated XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX
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| 11/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
Servicemember |
|
Date : XX/XX/2022 Time : XXXX Amount : {$6.00} Website Given : XXXX Date : XX/XX/2022 Time : XXXX Amount : {$4.00} Website Given : XXXX This one gave a fake fraud number : ( XXXX ) XXXX I checked my account on XX/XX/2022 when I noticed I was missing money. Upset, and trying to figure out where it went. I called my cards customer service number and they gave me all this info I'm sharing with you. The top one is a dating site. The last one, I have no clue. After contacting both, the date site wouldn't reveal who it was. The bottom, they wouldn't reveal and gave me another customer service number that were supposed to be to the fraud department. Instead, it was to some XXXX XXXX customer support. The number given was ( XXXX ) XXXX. They kept avoiding my questions and trying to get more personal info I would not share.
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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Regions Bank claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with regions Bank I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with regions Bank they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge regions Bank with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it regions Bank will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
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| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I'm writing because I noticed Regions Bank reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my XXXX credit reports.
When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers Regions had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from Regions Bank on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
|
| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Someone fraudulently was able to have a new debit card sent out on my checking account and also did a change of address in my name at my home ( unknown to me at the time ) and used debit card to get cash out at an ATM 6 times at a bank approximately 9hrs from where I live. I noticed the charges a coupe of days after and called the bank. They canceled that card. Apparently after it being canceled, that person tried using it again. I had the USPS do an investigation on my mail and found someone had forwarded my mail down to an address in Florida ( close to where the atm withdrawals were done ) which explains how they got the atm card. The bank will not refund these charges. They total {$2300.00} all together with the atm fees. I have provided proof of the fraudulent activity and still they will not refund my money.
|
| 10/29/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I purchased a product ( auto part ) from a merchant, and when I received this product it was faulty/broken. The company refused to refund me for the product. I bank with Regions Bank and so I filed a dispute about this transaction. I was told that because the merchant used XXXX to process their credit and debit cards that they would not provide me with a provisional credit or protect me in any way. Every merchant uses a third party to process credit and debit card transactions, just because this company uses XXXX does not mean they get to XXXX people over and nothing can be done about it. Regions failed to protect me as a customer in the most basic sense of the word. I will be banking elsewhere as soon as humanly possible, but I do not want this organization to get away with this kind of treatment and or policy.
|
| 05/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Regions bank frozen my bank account for no valid reason. They not giving me any reason even when i visited the branch. I have funds in my bank account and most of my payments got returned. I am suffering damaged and returned payment fees because they froze my account. I started new job and deposited my first check since then my account is frozen and i cant have access to my funds. Its illegal to hold my funds for no reason. I have never committed fraud neither my balance ever became negative.
My account is frozen from XX/XX/2019.
I am asking CFBB TO help me because i am unable to reach anyone help me with this awful scam bank. If i dont get my funds i am going to the court.
I am 5 years customer at the regions bank. I will never do business with them. I have suffered alot to cover up the returned payments.
|
| 08/31/2021 |
Yes |
- Credit card or prepaid card
- Government benefit card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
|
|
Web |
Servicemember |
|
My wife and I did not receive our EIP card with our stimulus money. After several months I checked with Regions Bank to see if they could help. According to Regions, our EIP card with our {$2400.00} stimulus was redeemed at their branch on XX/XX/2020. Neither my wife nor I have ever seen the card, and I think it was stolen from the mail and redeemed. Regions claims they no longer have video of the drive through on that day. I have been working back and forth with Regions and the IRS since 2020 and I'm still without a resolution.
Regions tells me that I need to contact the IRS and the IRS tells me I need to contact my bank and the card issuer. I have contacted the card issuer, who I believe is XXXX XXXX XXXX and they tell me to contact my bank. My wife and I are retired and very much need this stimulus money.
|
| 11/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Charges on my Regions Card I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX.
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the company recently gave me the credit. I have put a claim in for all other charges but they still are allowing access to my card and charges. I have tried to close the account. The recent charges since XXXX I never activated the card and they still have used it. I filed a police report and put and called the credit bureaus. Some how they are still getting into my account and its not getting taken care of. Regions keeps giving me to another department and not solving my problem.
|
| 06/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I opened a lifegreen checking account on XXXX . I called to inquire about the details of account promotion and was told that i needed to have 10 transactions take place in the first 90 days of account opening and i would get {$400.00}. I did this ( 9 debit transactions and 1 direct deposit ), but now am told i do n't qualify because it had to be 10 debit transactions - not 10 t ransactions total. I am disappointed because i took notes on exactly what i had to do. I inquired with regions and was told they would do an investigation. When i inquired again about the outcome of the investigation i was told that they might or might not tell me about the results of the investigation. This does n't make any sense to me on why the ca n't tell me what they found when they went back to listen to phone records.
|
| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Since 2022 im not being abble to use my debit card Visa, all transactions are being rejected. I being calling the bank, chatting and also speaking with my branch about this issue and the answer is always we will send you a new debit card and pin. I have like XXXX debit cards and all have the same issue, transaction declined. Also the last representative told me that my account was frozen for non use, so I was instructed to make a XXXX transfer to unfroze the account. I did that and the problem remains the same.
My account was locked due " security '' reasons on XX/XX/2022, same date when the issues started. The account was unlocked a couple of weeks before.
Today XX/XX/XXXX I was chatting by a teammember to fix this issue, they closed 2 of the 4 debit cards I have active, but the problem remains the same
|
| 03/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XX/XX/XXXX, i deposited my paycheck, XX/XX/XXXX, Saturday morning i checked my account i don't see my money at all, i checked thoroughly first for it before i did anything else, i went to the bank that morning when it opened, i talked with a bank teller she printed me a paper displaying that Nothing was deposited into my account, the amount is {$600.00} is my paycheck amount, so once i got home i contacted my bank she said the something then told me differently that i should wait until monday and it will appear in my account, also i into logging into the app and wrote my complaint it only said we see that you talked with an teller already the issue is there anything else we can help you with today. So monday is here monday, XX/XX/XXXX, and i still don't see my check. Only the money i deposited last night.l
|
| 12/30/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.
|
| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
On XX/XX/2021, I made a check payment that left my account with XXXX positive balance. The bank charged me a 36.00 overdraft fee that they can not, to this day, explain. XX/XX/XXXX XXXX XXXX XXXX ONLINE PMT {$370.00} {$16.00} When questioned, they replied that since I had another debit, one that didn't trigger a fee, come in at the same time, they could charge me the fee, even through my account had a positive balance after the check cleared. I responded by requesting the account be closed, and they refused to close it. TO date, I have requested the account be closed a number of times, as many as ten, and they STILL refuse to close the account. I went as far as to lock the debit card, and they are still allowing charges even on the locked account, and charging me fees. Now, they are resorting to threats.
|
| 06/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
After depositing a personal check from another bank to open a new checking account at Regions Bank, I received a letter from Regions stating that " We have confidential information that indicates the check may not be paid '' and placed an eleven day hold on the account. Since the " check '' was a personal check from from me, they basically are suggesting that I wrote a bad check. I inquired from several persons at the bank and they advised that they were unable to provide me the nature of the " confidential information. '' One employee suggested that this notice is standard and originates with their '' Regions Check and Fraud Monitoring Department. '' Anyway for the bank to make a false claim in order to extend the holding period is WRONG!
Personal Information XXXX XXXX XXXX Regions Account Number XXXX
|
| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Made payment on XX/XX/2022 REGIONS ACCT PMT ACH debit - {$50.00} The complaint is that I was reported late to the bureau for an annual fee. I never received notice that the fee was due. You also had an incorrect address stating an apartment number when I live in a house. When I saw the balance reflect on my credit report for my line of credit, I immediately contacted you to make a payment. I have 100 % on time payment and feel this was unfairly reported as I was not notified. I don't have online access as the representative I spoke to advised if you don't have a bank account, you cant be granted online access for line of credit. I ask you please remove this negative delinquent payment from my credit. As you can see I have never even carried a balance on the line and am very responsible with my account.
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| 12/27/2019 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
Regions Mortgage - Loan Account : XXXX We paid our mortgage loan completely on XX/XX/19. I contacted Regions Mortgage the same day to make sure the auto withdrawal was stopped. I have emails from Regions Mortgage that the withdrawal was stopped. This morning XX/XX/19 they have secured funds from our XXXX XXXX XXXX account and are proceeding to withdraw funds for a mortgage payment that no longer exists.
I complained about the process and spoke to someone about this issue. I have confirmation the loan is paid. I have confirmation from Regions the withdrawal was stopped on XX/XX/19.
I have attached their website page showing our loan detail. You can see the principal balance is XXXX. Amount due is XXXX, yet they have secured funds from our bank to pay a mortgage with XXXX balance.
Please assist.
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| 05/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I deposited a check on XX/XX/XXXX into the ATM at Regions XXXX Branch. A hold was placed on the check because it was not endorsed by the mortgage company. I spoke with a bank teller who stated that the check would clear in 30 days. On XX/XX/XXXX the funds were moved to the back office. The hold can no longer be seen on my account. On XX/XX/XXXX I made an appointment at the bank inquiring about the funds. I was told I should hear something within a week. I heard nothing. XX/XX/XXXX I made another appointment. I was told I would hear something in 24 hours. I didnt. I went back on XX/XX/XXXX. I was called 2 hours later stating the check was returned to XXXX XXXX XXXX who is the issuing bank. On XX/XX/XXXX, I had my insurance company to trace the check. The check is still showing as cashed on XX/XX/XXXX.
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| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I went into Regions bank in XXXX XXXX and was told by a XXXX that I owed {$180.00} in returned item fees after my account was closed in 2018. I was never informed this and informed this that someone fraudulentlyopened an account in my name for a credit card and tried to charge it to my account, which is why I closed the regions accou t in the first place. I called and spoke with the charge off team and spoke to XXXX, she would not take those fees off of my account. I asked for a supervisor and spoke to XXXX, who offered me to settle for {$76.00}. I informed her that I never knew of this and why am I having to pay for fees I never made. She said they had a wrong address and this is why I never knew. These fees are excessive and I am not responsible for fraudulent fees to begin with. Please assist me.
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| 08/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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|
I had an issue with Regions bank that required I contact them to stop payment on an outgoing check. This caused a horrible headache in which they refused to listen to me and allowed the account to be charged 5 times in a row, so they could collect multiple overdraft fees.
I contacted CFPB at that time, and the charges immediately stopped, as did the overdraft fees. However, now my account is heavily restricted and I can no longer link the account with online services like XXXX. In fact, this is preventing me from paying my bill to XXXX XXXX
This is clearly retaliation for the previous CFPB issue. Every time I contact customer service at Regions, they just tell me they can't provide me any more information on the issue. Effectively, they have closed my bank account, allowing money in but not out.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( 1 ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and is in fact a violation of my consumer rights.
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
I applied for a loan in XX/XX/XXXX. I didn't get the loan until XX/XX/XXXX because the underwriter was giving the loan officer the blues. He told her that was the best we could do for the interest rate and years. I thought this was unfair. The lowest interest rate they gave me was 6,7 % fixed 15 years for {$50000.00} which I thought was too high plus it was a home equity loan with the house for collateral. I made my first payment and found out I have a daily interest rate loan ( per Diem ), not a fixed rate. So within 6 months have have paid back over {$1000.00} in interest which is ridiculous. My credit is good and I am trying to get a better type loan and interest rate.
Example payment in XXXX Interest {$210.00} and Prin {$220.00}. XXXX Interest {$340.00} and Prin {$95.00} went toward principle.
|
| 12/07/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
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|
I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.
|
| 10/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
I purchased a XXXX Volkswagen on XX/XX/XXXX and was financed by Regions Bank. My first payment began XX/XX/XXXX. To date, I have requested by phone, email, and postal mail that someone from that company to please send me an itemized statement of all payments received and have not received any response. The car payments was not initially behind until XX/XX/XXXX. I could not understand how the car payments had become behind. I had made several payments in cash at the local branch banks and they were not all calculated correctly even after I submitted receipts of payment. I even emailed the accounts manager at the local branch in XXXX XXXX and there have been no adjustments. This company is continuing to take my money and then report me to all three credit bureau 's as consistently late. I need help!
|
| 02/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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I am a XXXX XXXX affected by government shut down. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX XXXX that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
|
| 04/18/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX and XXXX XXXX XXXX looked at several townhouses and properties with XXXX XXXX of XXXX XXXX in XXXX Alabama in XXXX and applied for a XXXX VA 30 year loan with XXXX XXXX of Regions Financial. They were both very nice real estate people but unfortunately my wife of 25 years and I were fighting during the process and decided not to purchase property at the time. About XXXX I was contacted by a mortgage fraud investigator from Regions Financial so I am describing a possible fraudulent real estate transaction after my wife XXXX XXXX XXXX and XXXX XXXX XXXX looked at several properties but unfortunately decided not to purchase. My US Passport was stolen in XXXX and my Alabama drivers license was stolen in XXXX so I was reporting possible I'd theft or possible mortgage fraud. Thank you
|
| 09/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.
|
| 11/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
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|
Web |
|
|
Was involved in a fraud scam regarding vacation rental property in XXXX XXXX. The property was found on XXXX we secured and paid for the property during several conversations with the property owner via email.
a few days before departure, We received an email from XXXX that unfortunately the property was a scam, but because we paid by wire transfer directly to the owner there was nothing they could do for us, the wire was for {$4100.00} going to the property owners account in XXXX XXXX on XX/XX/2023 was sent from regions bank XXXX XXXX locations by XXXX XXXX employee The property number on the XXXX XXXX was XXXX property owner was XXXX XXXX XXXX Short term rental agreement available if needed.
terms of agreement available international wire transfer request and authorization also available
|
| 03/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2021 my account ending from Regions Bank which was associated with to my XXXX XXXX application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution.
As a trustworthy bank, I thought I would receive better attention from them about this inconvenience but I havent.
I have personally gone to speak with the manager of the XXXX XXXX office located at XXXX XXXX XXXX XXXX XXXX, FL XXXX and they treated me very rudely and left without receiving any kind of solution. Then I went to another location with MrXXXX XXXX XXXX, branch manager of Regions Bank XXXX XXXX XXXX and he told me that they were going to submit an investigation but it's been almost a month and I still have not received a response about my money.
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was behind on my payments and needed a hardship option. This was not offered to me, I received a phone call this morning ( XX/XX/XXXX ) asking for payment. I asked for hardship option and told them I was working with debt relief agency. I told them I could not make a payment today and they said that I was 67 past due and that after 180 days it would go to collections and they could work with a 3rd party at that point. They did not inform me at this point that my account had gone into collections, as they said it would happen only after 180 days. Later the same day ( XX/XX/XXXX ) Regions debited {$320.00} from my checking account with out notification and without my permission leaving me with {$18.00}.
I called and was told several times that there was nothing Regions could do about this.
|
| 12/13/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Mortgage refinance application submitted to lender.
Letter from lender dated XX/XX/2020 'Notice of Action Taken Counteroffer ' states " unable to offer you credit on the terms or in the amount you requested ''. Included in this letter was a statement that my credit score was XXXX, created on XX/XX/2020. " Scores range from a low of 390 to a high of 839 ''.
This letter referenced a counteroffer which was verbally discussed with bank management. The terms of the counteroffer were refused.
A letter was sent dated XX/XX/2020 requesting Statement of Specific Reasons ; no response received. My telephone records indicate that bank management contacted me in early XX/XX/2020 to discuss this letter at which time I reminded them that a response was due by XX/XX/2020.
Various documents are attached
|
| 03/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I made a checking account balance inquiry at a non-Regions ATM on XX/XX/XXXX. There was a notice on the ATM from the other institution that a fee would not be charged by them, but that Regions Bank may charge a fee.
However, I was unaware that a {$2.00} fee would be charged by Regions Bank simply for getting my balance. It is a deceptive practice not to tell customers what the fee is for checking their account balance. While I was provided this information at account opening, that was over 15 years ago when I opened my account in XX/XX/XXXX.
There should either be no fee to check your balance, or the fee should be disclosed to you before you proceed with the transaction.
I would like my fee refunded for the Bank failing to disclose the fee to me at the time the transaction took place.
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Asked for a stop payment to XXXX in the amount of XXXX to be stopped on XX/XX/2023 inside a branch of Regions bank and the teller said Regions does NOT allow stop payments. I canceled the agreement with XXXX on XX/XX/2023 due to their refusal to honor a Warranty. XXXX used slander, defamation of character, and libel to commit fraud. On XX/XX/2023 a different representative from XXXX admitted that they failed to honor my cancellation and finished their responsibility to cancel the contract. Regions bank allowed an unauthorized withdrawal of XXXX on XX/XX/2023. Upon disputing the wire fraud allegations, Regions for a third time allowed a a company to steal my money. These idiots at Regions actively engage in discrimination against anyone that is a XXXX that also has a double Business degree.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
Older American |
|
Payroll Card issued from Comdata. I have over {$3000.00} of charges made at XXXX and XXXX and all were unauthorized. I Contacted Comdata and they have refused to provide me the details of the individual charges and will not mark these charges as fraudulent.
Because the have not provided me the details I can not file a Police report with the specfic dates and amounts charged on the card. I spoke with them on XX/XX/XXXX and attempted to file a claim with Comdata. They have declined my request for a claim and have not been able to answer how a card can be used without Pin number being used at check out.
I was i possession of my payroll card all the time. How can someone got to XXXX and XXXX make purchased without my card being used. I believe possibly ATM machine use compromised my Account.
|
| 01/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
Regions Bank cashed a fake check when they promised they would look out for me and not let me be victimized by an out-of-state company they said the check was good and gave me the money then two days later they told me to check is completely fake and I have to pay them now {$1000.00} then they went into my debit card and took out {$95.00} and change to balance my account to XXXX, prior to that they sucked up my Social Security check for {$720.00}, I lost {$1000.00}, they have been sued for this. Out-of-state checks take 3 to 5 days to clear and post they said everything was fine and gave me the money now Im broke. I have filed a complaint with the Florida state Attorney General XXXX XXXX, the XXXX Police Department, the ic3.GOV, digital wire crimes unit and theUnited States postal police.
|
| 12/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
I was in the process of obtaining a home at Regions Mortgage in XXXX XXXX, FL and met with the loan officer and discussed the terms of the loan and process. The only thing I was beyond bothered by is that they are n't a paperless enviroment and noticed while waiting that every document is in a folder and was able to notice that the cabinets were n't locked and had all my information out there. I 've asked the loan officer about this and he told me Regions is n't a paperless enviroment once loan is created XXXX folders are created XXXX for loan officer and office to reain, XXXX for processor and another for underwriter, if in that sales office they did n't have the information locked I begin to wonder how confidential my information really is if it goes to XXXX other people and locations.
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Regions bank XXXX XXXX : company reported 30 day late payment & debt & colection on my credit report dropping my score 38 points.
The car was total in a no fault accident XX/XX/XXXX, my insurance XXXX paid the on the claim XX/XX/XXXX, which left a balance XXXX after a gap payment ( XX/XX/XXXX ). My payments were XXXX {$390.00}, no regular payment in XXXX, XXXX {$340.00} & XX/XX/XXXX - {$1700.00} ( settlement offer accepted account closed ). Regular payments due date XXXX of each month. The account was never 30 days past due. I submitted a request with Region bank & XXXX but this negative reporting is still on my credit report. Also the negative report was made after the settlement and payment was completed with Regions Bank which is a knowingly dishonest reporting to the credit bureau.
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on
|
| 02/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX.
This happened a couple of years ago when my debit card was renewed.
I live in XXXX. The bank has my XXXX address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card.
I am a XXXX citizen and I have once again been without access to my funds for over two weeks.
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card.
Thank you.
|
| 06/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
The first thing I noticed was that the bank turned on my overdraft protection without my consent or knowledge. The 2nd they did was turn my virtual LOCKS via XXXX ON while my app was removed from my device and while I did not access the app, so that they fraudulently could access my card number and swipe it without my knowledge or consent. I had XXXX in the account after a refund of XXXX $ from XXXX XXXX. The bank then continued to swipe my card until there was XXXX XXXX left in the account. Me and a coworker watched as they continued to swipe the account into XXXX overdraft while the app was removed and XXXX was turned on to prevent theft. They did not protect my account and breached the contract when they breached my app and stole funds from my debit card. I want my XXXX returned.
|
| 12/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid.
|
| 11/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2020 at XXXX XXXX., Regions Bank closed our nonprofit 's organization checking account with very little and vague notification. Once I received the email, I immediately had to reach out to them to find out what happened, and when I was on the phone with the person helping me, he did not try to help us save the account or felt any kind of XXXX towards us to aid us in any way. We only received one email of notification from Regions Bank regarding this issue, and it was back in XXXX.
There was a large amount of money in the account at the time. I called the national Regions number to complain and see what I could do about this. The person on the phone then was very polite and apologized for the inconvenience and frustration that we are currently enduring with this situation.
|
| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
In XXXX I moved to XXXX from XXXX, I had an account at regions bank, they closed my account they told me it was because they do not have a branch on the XXXX XXXX, I still had XXXX $ in the account, since then they have collected all my stimulus from the irs and XXXX transfer for my business and will Not release my funds, they said I have to come there to close the account which I have proved I am unable to get on a plane due to Health issues my cousin has power of attorney and they still wont close my account and mail my check they are still accepting money on my behalf and keeping it. Ive tried so many times to get my money out of this bank account and on top of all this they are changing me XXXX $ a month to keep my account open they also is still accept my XXXX ect on my behalf
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/2022 a withdrawal of {$220.00} was taken from my account without my knowledge. I usually check my account on a daily basis. I noticed on XXXX XX/XX/2022 that there was a bank debt transaction in the said amount. I called Regions Bank customer service to dispute this transaction and was told that it would be reported. I called them back a week later and was told to go to a branch location to file a dispute. XXXX XXXX at the branch took the dispute statement on XXXX XX/XX/2022. I called customer service again on XXXX XXXX and was told by someone named XXXX in XXXX, TN. That I wasn't going to get a refund because of a pattern of me using the same ATM in the past. Which didn't make sense to me. I have a choice of what ATM I want to use. XXXX XXXX will not return my calls.
|
| 01/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
There is no easy way to talk to someone in regards to phone payment. The IVR System does not allow for direct contact with a customer service agent and forces the XXXX XXXX Payment option on the caller with no discernible way around. This format does not allow a greater payment to be made onto the loan account and does not allow the customer to interact with an agent, should additional questions around payment date application and debit from account dates arise.
In addition, there is a .5 % discount for auto-payment through a Regions Deposit account, which must be signed on for at the beginning of the life of the loan. As I was signed up for this loan through a dealer and not a Branch, this was not offered to me, creating a .5 % discrepancy in the price of the total loan balance.
|
| 01/19/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opted for overdraft protection with my financial institution Regions Bank, and elected to use my savings account as backup in the event of overdraft. Now I have my payroll check direct deposited so they are assured funds will be coming to them. However, it keeps happening where they are charging me a fee of {$36.00} for each transaction, which are mostly for lesser amounts than their fee. And just recently I was charged a whomping {$100.00} on the same day my deposit landed. I have tried speaking with the bank about this issue because its costing me an excessive amount of extra money that I just don't have to give away. I implore someone to help me with resolving this matter and helping me with avoiding the loss of so much money by means of what I feel is a very unfair practice.
|
| 07/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
XXXX XX/XX/XXXX a charge went in to my regions account I transferred money from cash app the next day to cover the negative balance. They still charged me a XXXX $ overdraft fee. The manager at the XXXX, TX location said she would get back to me before end of day when I called. And I also used the chat that night. Nothing was done.
On XX/XX/XXXX they returned my payment which brought my account back positive and still charged my account a {$34.00} overdraft fee. On XX/XX/XXXX I called the XXXX XXXX number and spoke with XXXX and told her about both incidents. I told her I know it's computer generated and sometimes it mess up she told me none of the higher upside could fix it. She told me to call the branch manager at XXXX and follow up with her since she didn't follow up with me.
|
| 03/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I didn't make these charges. Please advise. Here is the list : XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}
|
| 01/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened.
Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days.
Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!
|
| 04/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My husband and I purchased a double wide mobile home in 2001 which was put on the land we had previously financed with a loan from Regions Bank. We have been paying on this loan since, with a 7.34 % interest rate. When the interest rate was lowered, we tried to refinance the loan thru Regions and was told that they do not do mortgage loans. I have tried refinancing thru the HARP program and was told they do n't refinance mobile homes. We are retired with a fixed income and paying XXXX a month mortgage payment to Regions. We have considered a reverse mortgage but do not know if that is a good move. My son has a home on the land and we were hopeful to be able to leave the land to him and a daughter. At this point I do n't if we can continue to pay the mortgage as prices keep rising.
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Someone opened couple accounts in my name using my information that theyve stole somehow I didnt know how they took my information but they did I believe it probably happened when Im doing online purchases and Im always using my information applying for something I XXXX my drivers license and bank card and the information is stored and thats how I believe they was able to get ahold bid my personal information and use it against me and apply for different bank account regions bank is one now Im getting calls and letters sent to me for 2 accts I have know nothing about totaling over {$1000.00} and another acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX I dont know what to do about this Im at my wits end Im thinking about just filing for bankruptcy and just start all over
|
| 01/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XX/XX/2020 Claim ID Total Amount of Claim Claim Type XXXX {$210.00} Fraud XXXX I received notice that my claim had been denied ( because I shop in the areas it happened, One was at XXXX and one at another store ) Im frustrated because who doesnt shop at there local XXXX XXXX I have also found a third transaction for a steak and shake that was not me. There was also a XXXX charge but the merchant has promised to resolve it ( still waiting ) Im currently being charged {$470.00} dollars in fees because of this.
I also hold another account that the card was completely locked down on yet they allowed a XXXX dollar charge to go through and then charged me XXXX dollars in overdraft.
I find it absolutely crazy that Im charged all these fees and Im the victim of my card being skimmed.
|
| 06/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have had my account for several years now with Regions.
Anytime I had an charge that I did not have any money for or enough money, the bank would just pay it.
I had to pay the bank and the overdraft fee.
Now the bank has reversed a charge from my bank account, knowing that I have opted in for overdraft fee. A couple of times, I have seen charges over {$200.00} for an overdraft fee which I assumed was excessive. But I paid it.
Now the charge that they reversed may get me kicked out of school because it was due on the 1st and my check will post tomorrow in the account. But I have to scramble to pay this so that I will not have to pay twice the amount for my tuition.
Do the bank have the right to reverse this charge even though I signed up for overdraft?
Please advise.
|
| 07/24/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX..
We have paid down our mortgage in the last two years and now owe XXXX.. Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised.
We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI.
In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.
|
| 12/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Received text on XX/XX/2020 that my credit card payment was overdue and that there was a {$15.00} fee added to my balance. Called few minutes later and told representative I never received my statement by mail like I had before. Representative told me I agreed to receiving my statements by e-mail back in XXXX but I never spoke with anyone that I can remember concerning that but was assured that I was sent my statement by e-mail. I checked my entire e-mail list for XXXX and XXXX and never once saw that e-mail. After telling them I was not aware of the change, they waved the fee but I'm reporting to inform you just in case this is an intentional tactic to see how many people Regions financial services can trick into paying an additional {$15.00} fee to increase there own profits.
|
| 04/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
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!
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Since joining Regions Bank. I have opted out of offer draft transactions. They can not charge me fees when money is not available. Regions bank fires not honor my contract. Every month they remove {$36.00} NSF fees for transactions that are not on automatic pay. There are no transactions in my account set for autopay and they still erroneously charge me fees. It is an ongoing an fraudulent practice and I want it to stop. If I pay my bill around the Santa time every month, that is not considered autopay for Regions, that means if my car note is due on the XXXX, I pay around the {$16.00} and not require them to do so. XX/XX/20 ( 2 ) NSF fees XX/XX/20 ( 1 ) ) fee : XX/XX/20 ( 1 ) {$36.00}. So on and so forth. This is fraud and I cant purchase a home because of these negative
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After reviewing my XXXX, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my Regions credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission.
Regions Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
|
| 12/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had to sell my home due to being laid off in order to live off of the equity until I am back on my feet again. The sale went through and I received a check for over {$130000.00} which I deposited at Regions Bank in XXXX, GA on XX/XX/20. The bank immediately froze my account and it remains frozen. According to the banker in the XXXX branch, there are two reasons for this freeze : 1, the account balance at the time of the deposit was $ XXXX, and 2, the size of the deposit. She states she can do nothing until her manager gets back later in the week. Meanwhile, I've missed my first month 's rent in my new apartment. The Regions website and my banker have both told me Regions can not withhold funds for more than 7 business days. We are beyond 7 business days at this point.
|
| 01/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I went to sleep with {$10.00} in my account Friday XX/XX/2021 and woke up with a balance of - {$64.00} on XX/XX/2021, every time the bank does posting at night, my money is missing from my account. Also I dont have overdraft protect, so my card should decline ever transaction in which I go over balance. I believe this bank is selecting which transactions to post in an order in which it overdrafts my account then still charges me overdraft fees but not posting them on the app so the I can see those fees. Lets just call them ( Hidden fees ) because they hide these from me and I know they are still doing it. I called and I am told Im not being charged, but this is not true. Please help me! You can even keep 25 percent of whatever money you find on my behalf.
XXXX XXXX
|
| 12/28/2020 |
Yes |
|
|
|
Web |
|
|
Deceased owner of the account XXXX XXXX XXXX XXXX in n XXXX. His deceased I'd or ss number is XXXX XXXX XXXX. He is also a business owner of XXXX XXXX XXXX and XXXX XXXX XXXX .he is the owner of these financial institution. Ok .not a shareholder, but the ein irs employer tax payer too the business, in this text. I am write regions Bank ask, is XXXX XXXX XXXX is a owner of this company and do he have any account, too his name or ss number in this bank. Do he have any account or ownership on this bank. Check ya record, operation agreement too see if he owns this bank too or made me the beneficiary too the bank or a bank account. He could own both the bank and has a bank account in the bank too cleck both .I believe, if all of this is so .please give me cpa accounting,
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
What is the specific law or guideline identifying the maximum late fee penalty that a company can charge?
I ready some items about reasonable costs to the lender but how do you identify reasonable costs. This seems to be so vague and so hard to prove. Credit card companies would seem to have some restrictions on how much can be charged for late fees. Don't they?
There should be a limit on how the late fees are calculated. I spoke with a representative today XXXX at XXXX and they advised that they charge the late fee based on what is past due plus all other future transactions that are not yet due. This does not sound correct. How can you charge a late fee on future transactions that are not yet due. Late fees should only be associated with the past due balances.
|
| 10/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.
|
| 12/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/2021 I signed contract with a scam loan company that call them self XXXX XXXX XXXX to get a loan and I need to send {$3000.00} for down payment on XX/XX/XXXX they asked me to send another {$4000.00} for insurance and then they asked to send more so I told them I would stop the loan because I realized that's it's a scam but they don't want to send back the money and they blocked me all ways to reach them out so I got to my bank should reask the wires I do from the other bank but they didn't want to that I show them prove thats its a scam but nothing and I told them you are partners of the crime because they are stealing money from people but nothing .....
By the way they asked me to send the money on different business name that called XXXX XXXX XXXX XXXX
|
| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I closed both my checking and saving accounts with Regions Bank on XXXX XX/XX/2020 because of their poor costumer service. For some reason Regions Bank kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. Regions sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?
|
| 05/11/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.
|
| 01/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A credit card was opened in the name of myself and my father. My father XXXX XXXX in XXXX XXXX. When probate was started, the savings account, checking account associated with my father, and credit card associated with my father and myself was supposed to have been closed in XXXX, XXXX or XXXX weeks after the XXXX of my father. Four months later, in XXXX I received a letter from the bank that issued the card stating I owed money for a charge from XXXX ( more than one month after the credit card account was supposed to have been closed ). Not only was the card not closed, a charge was made, and the bank expects to hold me liable. XXXX XXXX, the agent who assured us the credit card was closed now says that it was not closed, and that I am responsible for the charge.
|
| 09/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... REGIONS BANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
Older American |
|
I have a problem with my Mother 's CD accounts, The Bank is not willing to correct the Interest amount when they matured, the amounts were XXXX XXXX XXXX XXXX, XXXX, Dates were XXXX and extend back to prior years the agency in question is Regions Bank, XXXX Florida on 9 mile rd the XXXX XXXX they present a CD rate of 2.15 percent but when it matured they paid 0.01 percent when I brought it to their attention they contend that I needed a Checking account to qualify for that rate. Well it was not brought to my attention that I Needed a Checking account. My mother is Very old and so am I with Serious XXXX Issues and I know we were taken advantage of, I just want what is due it is Most of the Saving she has.
I will upload the verifying Documents at a later time.
|
| 09/23/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Regions bank is breaking the law. My house was damaged by hurricane IRMA in XXXX.
Since Florida has been declared a federal disaster area, which means, by law I can get a forbearance payment on my FHA mortgage.
When I contacted regions in XX/XX/XXXX about my repair cost due to hurricane IRMA preventing me to be able to pay on time they offered a repayment plan not a forbearance plan.
The repayment plan is that I only skip one month of payments and then pay extra payments every month for 4 months until the loan is current. Thats not a practical solution. And I requested a different strategy and was denied.
And not only that they never mentioned to me that not making the one month payment would be reported to credit agencies and a missed delinquent payment.
|
| 05/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Every 3 months I get this same offfer from my personal bank Regions Bank, offering : *Earn 2 Regions Relationship Rewards points for every {$1.00} spent on qualifying purchases2 in the first 90 days after the account is opened. After that, earn 1 point for every {$1.00} spent on qualifying purchases.
*0 % Introductory APR for the first 12 billing cycles on all purchases posted in the same period and all balance transfers posted in the first 60 days after account opening. *No annual fee *No foreign transaction fees Promo code XXXX When I go to apply w/prmo code XXXX and enter all my information, then I get the error that says my promo offer is Invaild, and I could continue as a normal applicant. Every time ... .This sis a scam I they would do anything about it.
|
| 09/30/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Servicemember |
|
Regions Bank, I am submitting a claim on my credit card because I have been scammed.
I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. Please help me.
|
| 09/07/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a checking and savings account as part of a mailed promotion flyer. Terms were met and {$400.00} was earned for checking. Terms were met for the savings promotion ( open account and deposit {$10000.00} through XXXX XXXX ), but {$200.00} promotion never provided by bank. Multiple calls to bank branch and spoke with manager. Branch first stated that my savings account was closed when I transferred out the money and that is why they couldn't award the {$200.00}. Branch said that on their end, they saw the account was closed. However, my savings account is in good standing and open and I was able to transfer money to it. Manager agreed and was following up with the district manager/marketing department, but have not received any call back for over a week.
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check for {$1200.00} on XX/XX/XXXX. Regions put a hold on the check. I waited until check has been cashed by Regions, then on XXXX requested removal of hold, was denied and I was advised to contact the branch.
I spoke to the branch manager, who advised me that the reason for the hold is punishment for my previous overdraft transactions. I was not aware a bank can punish a customer by holding their funds for previous overdraft items.
I advised manager that funds have already been withdrawn from payee 's account, therefore should be released to me. Manager told me they will see what they can do and get back with me, but the never did.
Four days after deposit I still don't have my funds. They have been withdrawn from the payee on XX/XX/XXXX
|
| 05/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XXXX of 2021, we were approved to borrow {$23000.00} from Enerbank. As the work was completed on the house, the funds were given to the XXXX. My outstanding balance today is {$23000.00}. I have made payments totally {$1600.00} and I began making payments before any payment was actually due. They took all of that for interest, The last payment I made in XXXX, for example, {$340.00} was due - I paid {$400.00} and {$32.00} was taken from my principle. How can that happen? At the bare minimum, shouldn't any extra that I pay go toward the principle? Of my {$1600.00}, {$110.00} has gone to my actual loan.
I just think that something shady is going on. I did call twice, she said that it's {$9.00} per day interest. That's fine but where did my {$1600.00} go?
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
While checking my credit report, I notice an account from Regions Bank that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter, using the address located on XXXX XXXX ( See Attached ) informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). That letter was return to the sender as being an incorrect address. ( See Attached ) They are reporting an incorrect address on XXXX XXXXXXXX which is making it more difficult for me to communicate with them. I am asking you to look into this, to see why Regions Bank is reporting this incorrect mailing address.
|
| 09/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Tried to placeXXXX.on secured credit card at regions bank .teller told me I couldn't after she deposited my XXXX. I withdrew it. I wasn't wanting checks mailed to me or a debit card .just secured credit took m paperwork she gave me burnt it .she took my direct deposit from social security check. I did not give permission for that couldn't find my check. that was over a year ago in XXXX XXXX. Branch in XXXX ga. Where I moved to from XXXX refuses to talk to my about a loan telling me I don't know how much income I have .I know .teller refuses to issue me debit card for twenty for hours so I to a different branch .get the card.this hole time have not been able to do online banking. They have been charging me for every transaction. Just found out last week.
|
| 02/23/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Prior to XX/XX/XXXX, I went inside a Region 's branch with my XXXX offer for opening a new account. The offer stated that I needed to make at least XXXX debit card transactions within 60 days of account opening and have e-statements to receive the promotional deposit. Since that time, I have sent and received dozens of messages through my online banking at Regions trying to confirm the promotion and that I have met the terms of the bonus. Multiple times I have been told by Regions that my account was registered for only a XXXX bonus that required direct deposit. I know this is not the case, and I have attached the pertinent account promotion page and opening document clearly showing my registered email address : XXXX as being signed up for the account.
|
| 01/09/2024 |
Yes |
- Prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
My name is XXXX XXXX I here to complain against Comdata cardholder so here is the reason am filling a complaint against Comdata am a Comdata cardholder payroll so I claimed a dispute twice first they never listen it was early XXXX and second time it was the end of XXXX which I claimed a dispute transaction so then XXXX XXXX I have received an email from Comdata dispute team said they starting investigation which was late to and today Monday XX/XX/XXXX i tried to follow any updates and met bad update decision denied so it was clear for me the dispute team they never tried investigation and i didn't get help and the transaction made by XXXX XXXX with me knowing so it was unauthorized transactions it was a lot of money i need help to get my money thanks.
|
| 11/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this bank.
|
| 11/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/23, I contacted Regions bank with the merchant XXXX. I explained that there were 2 charges from XXXX totaling {$100.00} that I did not authorize. The merchant advised the Regions bank rep that I did not authorize those charges and to start the dispute process. It is now, XX/XX/23, and still no resolution. I closed my card out as instructed and went to the branch for a new card. I attempted to contact Regions 2 other times to no avail. I do not understand why it is almost 10 days since the dispute and nothing has been resolved. I have been struggling with banking reps both in the branch and the XXXX number being unprofessional and not helpful. This is absolutely unacceptable and have never experiences such nonsense. I want this resolved ASAP!
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| 10/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2023, multiple charges from to the same place with the same amount were placed on my debit card with Reigions bank from Florida. I live in Mississippi and and filed a freud claim with the bank. They made me wait 3 weeks, ensuring my money would be returned in that time. When the 3 weeks was up and I heard nothing from my bank, I contacted to them to find that my claim was denied and the ban would no longer help me get my money back. They claimed there was no way to prove it was not me, however this happened in Florida while I was in Mississippi. I was never notified that the money was taken out by someone in a different state, and the bank has refused to help me any further. About {$3000.00} was taken from me with no help on getting it back.
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| 08/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Our company mailed a check payable to " XXXX '' in the amount of {$9700.00} on XX/XX/23. The check was intercepted and fraudulently cashed at a Regions Bank on XX/XX/23. We discovered this on XX/XX/23 and notified our bank ( XXXXXXXX XXXX XXXX. ) and had our payee sign an Affidavit of Forgery. XXXXXXXX XXXX then " filed a claim '' with Regions bank and requested that the monies be reimbursed. After 90 days, Regions Bank finally confirmed that it was fraudulently cashed. The monies still have not been reimbursed by Regions Bank. XXXX XXXX continually follows up with Regions and checks the account to see if the funds have been reimbursed and can not get a resolution to this. I am submitting this complaint to try to get help receiving our funds back.
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I have banked with Regions since 2018, I've been a long time loyal account holder and when I saw that they have been illegally charging overdraft fees from clients for years everything began to make sense. I've been hit numerous times with multiple overdrafts since I've had an account. I never noticed before because I believed it was my own error with my finances but I began to notice that there were times I would be hit even with sufficient funds in my account. I'd like to file a claim to see if I'm eligible for a share in these refunds that the company has to so rightly return from us. It's hard to trust banks in the first place but now to see how much fire they're under in the past decade ; where can I place my trust in knowing my money is secure?
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately.
In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee.
In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my XXXX XXXX credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.
|
| 07/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided
|
| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/2022 I deposited a check into my regions checking account for the amount of XXXX via atm. I contacted the customer care center to see if a hold was going to be placed on the check. I was informed that everything looked fine and I would see the funds in my account on tomorrow morning. Upon getting ready for the hospital as I had to have XXXX today a hold was placed on my account. I have contacted regions about this matter and for it to be dismissed as this is not a big deal. This is unethical and regions has been know to discriminate in the past against minorities. This check was issued from my retirement account which the US treasury department sent me. I really like to know if this exemption holds allows to all customers or certain ones.
|
| 10/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
In 2017 I was contacted by a company called XXXX about installing XXXX in my home.
They recommended Enerbank to do the financing, I was told that total would be about XXXX And no money would be paid out until I signed off that the installation was complete. A date was set for the work to be signed off on the day before that date the bank contacted me to sign off that the work was complete. As they installation was not completed I did not sign The equipment was taken off my wall and roof and EnerBank started contacting me for payment on XXXX. I asked them to send me a complaint form to no avail. I was told that they were closing my case. They started messing with my credit, also my wifes credit they have dropped our scores by as much as 30 points
|
| 09/11/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX I transferred XXXX dollars from my checking account to my savings account using bank app on my phone. On XX/XX/XXXX i noticed XXXX dollars was not in my savings but had gone into some strange account that was not on my app. I called the bank and i was transferred to, '' IT '' department. They said they would get back with me in 3 days and never did. I called back on XX/XX/XXXX and they were not willing to help me, saying it was all my fault. How can i make money go into a different account, when it is not an option on my app.. i dont even know the account and they said my account was linked to too many accounts. That makes no sense i only do my banking and not stranger banking. I would like my XXXX dollars returned to me immediately.
|
| 01/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I checked my online account three times XX/XX/2022 my water bill payment wasnt processed yet so I was going to deposit the funds XX/XX/2022 in the morning. I checked my account at XXXX and the payment was processed and a overdraft fee charged. It showed XX/XX/2022. I believe regions processed the payment at XXXX XX/XX/2022 and charged a fee the same time. Giving me the consumer no opportunity to deposit cash to avoid the fee associated. I spoke with the assistant manager at the XXXX office in Florida and she said I could come in and she would review the account because regions can waive one fee a year. I went in and she tells me its a rolling calendar year. She has no access to override it. I have an account with XXXX and this never Happens ever.
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE.
Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was trying to withdrawal money from my checking account which would have left me with XXXX XXXX dollars in my account. And the bank would not give me all the money I was asking for this was Friday of XX/XX/XXXX and they told me if I came back Monday XX/XX/XXXX they may or may not give me my money then. I was asking for {$8000.00} and they gave me {$4000.00} but as it is XXXX this is not a great amount of money to have on hand for their a costumer. The world now of days is working in billions of dollars and this is such a small amount of money. I don't know how it works are what is expected of a bank but I would think this small amount should be available. Can a bank not at least guarantee to provide money the next business day for {$4000.00}?
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.
I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history.
Please let me know if you would like any further revisions or if you have additional concerns.
|
| 10/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My Regions Checking Account has been compromised due to the following unauthorized charges made via XXXX XXXX XXXX {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have spoke with representatives from Regions Bank on several occasions -- and they have concluded to NOT provide any credit to my account because all the transactions passed a " fraud analysis. '' When I asked Regions bank to provide more in depth information on the process of this analysis, they responded with the resolution that I needed to reach out to XXXX XXXX. This has been an on going issue for the past month, as I have tried reaching out to XXXX XXXX in which automated email responses have been the form of communication from this vendor.
|
| 03/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.
|
| 05/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
they have tagged on 36 months worth of late charges due to their late fee structuring, and that's not even what I'm complaining about ENERBank have switched their payment portal 3 times since I've started with them. the only thing I'm trying to do is make my payments I don't want to get marked a negative report They have already put a bad remark on my credit before. when I try to call them for support I usually wait on the phone anywhere from 20 to 45 minutes before I talk to somebody that does not know anything about my case if i'm lucky. I have attached screenshots of ENER Banks payment portal failing to let me sign in... again... I have been on the phone with support and they said they were going to address the issue but they never did.
|
| 11/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
On XXXX XXXX, 2017, I was scammed out of {$670.00}. I called Regions bank to stop the transaction but they informed me that they couldnt stop it because it was still processing. I explained to them that I had been scammed but they still wouldnt stop the transaction. Since the following Saturday was a holiday the bank would be closed. I went to the bank on Monday and the transaction was still processing, so they told me to come back on Tuesday. After I made the disputed I waited about a week to call the bank ; only to find out that the claim had been denied. The reason for the denial was because the claim was not filed right. There was also an affidavit that I was suppose to sign that the customer service representative never told me about.
|
| 10/20/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have been banking with Regions Bank for years and I have noticed repeatedly that they will move transactions around usually putting the smaller ones after the XXXX large XXXX in the latest XXXX times in the last couple of weeks. I noticed they took charges from days early and moved them after and they have charged in excess of what I actually spent. In the tune of probably XXXX XXXX dollars in XXXX transaction they actually doubled their fee.
I have been a customer for at least XXXX years and have complained about this repeatedly. their response has been we can only adjust them once. This is how their making their money and its wrong. I did n't buy ciggerettes from XXXX stores in XXXX day or go to he grocery store XXXX times in XXXX day
|
| 04/18/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Back in XXXX of 2010 I filed a Chapter XXXX Bankruptcy it was discharged in XXXX o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note. I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship. I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate mortgage.
|
| 12/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
So regions said my account was over drawn, but my account is clearly not overdrawn. I had another deposit coming in for anything that would come out today, but last night it wasn't overdrawn. It still showed {$35.00}. I haven't had this problem until 2021. This has happened 3 times and they say I had not enough funds to cover it. But it shows that I did and do. I am looking forward to switching banks because none of my other bank accounts do this to me. I literally see that regions is now stealing money from their customers. I took a screen shot. Literally if I know its going to be negative, I transfer money in time, but in this way when a check comes overnight. They give me an overdraft fee even when my account balance is not negative.
|
| 08/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Regions should not have them there.
|
| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2019, I requested to make a principal reduction and to have my mortgage modified. Regions accepted the payment, sent out the required paperwork which I signed and sent back by the due date but did not process a modification as they contracted and agreed to do. I received my XXXX statement that shows the payment amount unchanged. I question if this may be retaliatory action for the complaint that I filed XXXX or if it may be related to my husband being a service member which means they are unable to collect the standard modification fee.
As you will see in my email, Regions was also misreporting information to the credit bureau. I asked for them to clear this up and am not sure if this was done either. Can you please help me?
|
| 04/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
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.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I opened a BP card and had trouble making payments by U.S. Mail. I sent them on time, but for some reason the company had problems processing them, and I had to call just to get the fee waived. I had to make payments through their website from then on. Then, I found out I did bounce a check to them. For this I am responsible, but I wanted them to just close the account first. I would have paid whatever it was. A guy I spoke to named XXXX refused, and needed far too much information to verify me. I was calling from the phone number on the account, I gave all the information, the same on the statement, including the account number, I don't know what their problem is.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Thank you in advance, XXXX XXXX XXXX
|
| 06/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is XXXX reflected we had a property foreclosure in XXXX XXXX , 2015 , property located XXXX XXXX XXXX XXXX Tennessee. This property was included in our Chapter XXXX Bankruptcy. Under the Federal Bankruptcy laws all debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure XXXX system . We want this information removed from any reports and the bankruptcy laws enforced.
|
| 01/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On Thursday the XXXX of XXXX I transferred XXXX into my savings account. Unbeknownst to me because my savings account was at {$0.00}, my money was put on hold. I did not find this out until Sunday the XXXX of XXXX when I tried to transfer my money out of savings. I spent the next two days trying to get the money out of my savings but my bank refused to transfer it into my checking. It was not until XX/XX/XXXX that I was able to finally transfer the money out of my savings account into my checking to cover bills. However it was too late because regions hit me with a {$100.00} overdraft fee. I am XXXX and receive XXXX payments losing that much money and having that big of a negative in my account could potentially cause homelessness.
|
| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
I opened an account with Regions Bank in branch in XXXX, GA on XX/XX/2020. I opened the account in response to a promotion offer I received via U.S. mail. The promotion entailed opening a checking account and completing XXXX debit card transactions within 30 days to receive a {$400.00} bonus. The bonus is to pay XXXX days after completion of the XXXX debit card transactions, or approximately 120 days from account opening. I have completed the requirements and have not received the account opening bonus. I have worked with the branch starting on or around XX/XX/2020 and they keep saying they're working on it. They admitted other customers have not received the bonus. I beliece this to be a XXXX concern that needs to be investigated.
|
| 11/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I had a lot of fraud on my account. They printed out paper work for me to look over. I told them by looking at account what wasn't my charges but I wanted to be sure so I didn't lie not meaning to about any charge. My car broke down and I wasn't able to bring them paperwork. Reguardless I told them what i knew was fraud and where it started. Them knowing this and I should have been reembursted at that matter. I am no longer able to have a checking account. It showes I owe money I should not owe but should have been paid back. This issue has yet to get resolved maybe you can help. I don't want the negative reports on my credit for they are false and I would like my money back if all possible. With my luck I doubt in a million years.
|
| 10/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2022, someone used my debit card information to make XXXX purchases from XXXX in the amount of {$1100.00} per purchase. They actually attempted a fifth purchase, but due to a limit on the card, I was able to cancel the card before it went through. I reported this yesterday to my bank Regions, but was told the charges were still pending and I could not submit the fraud claim until the amounts actually posted. They said this would occur today -- XX/XX/2022, between XXXX and XXXX XXXX. I contacted the bank again today, and the amounts XXXX x {$1100.00} are all still pending. I have now been told that I have to wait until tomorrow to submit the fraud claims. Right now, my account is about to be overdrawn due to these charges.
|
| 08/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
i have a SuperFleet Commercial card and the fees are outrageous. This has happened multiple times and it really should stop for the consumers. This card has transitioned to so many different credit companies over the past several years. I believe the creditor now is Comdata. I have had this card for my small business for ~20 years. A phone assisted payment is {$15.00}, the late fees are 11.25 % of the balance which for me equaled to a {$280.00} charged on XX/XX/XXXX.. I called the company to request a late fee refund, however was declined. I was late by 4 days, but that amount seems too excessive to not have the CFPB look into. My due date was XX/XX/XXXX and it was paid on XX/XX/XXXX. Please help stop this madness.
Thank you.
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
Regions Bank offered a special promotion of paying a {$400.00} for opening an acct, doing 10 ATM transactions in the first month, and opening online statements. The bank has refused the {$400.00} payment because I failed to open online statement. They offered no reminder to do so but charged me {$4.00} for each of three months for not opening an online account. They can't have it both ways. The Executive Office stands by the letter of the promotion ... not the substance. As far as I am concerned Regions Bank stole my money. While their conduct may not have been illegal, it was certainly unethical and beneath normal banking standards. Obviously don't care about their reputation once this tactic is exposed to the general public.
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| 11/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe them
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| 01/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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I authorized a money transaction on XXXX XXXX from my checking account with Regions bank to XXXX {$900.00} to a receiver in XXXX . The receiver is XXXX XXXX. Within few minutes, I received an email that the transaction was unsuccessful and therefore the money will be return into my accounts. I waited after a two weeks and the money was still not in my account. I contacted XXXX and they provided me with an authorization number advising the money returned into my accout on XX/XX/20.
I contacted my bank, including the local branch as well as a letter from my attorney but the bank has refused to respond.
Regions mailing address : XXXX XXXX, XXXX, AL. XXXX.
Sendwave mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. XXXX.
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| 02/28/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Regions Bank Corporate Office XXXX XXXX XXXX XXXX, Alabama XXXX My father died in XX/XX/XXXX. He had purchased CDs from Regions Bank in XX/XX/XXXX totaling {$40000.00}. Regions name was XXXX XXXX XXXX at that time. Regions says that they have no record of these CDs. In XX/XX/XXXX, I wrote the Alabama State Banking Dept and Regions told them that they dont keep records on inactive accounts for more than 5 years. I then received a call from a Regions employee telling me that they dont have that money and not to contact them again about it.
They say that they dont keep records past five years but dad also had an inactive checking account that was opened in XX/XX/XXXX and they had record of that account .so they do keep records.
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| 06/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XXXX XXXX , XXXX , a fraudulent charged in the account occurred by a company named XXXX XXXX in the amount of {$280.00}. The fraudulent transaction lead to unlawful excessive bank fees. On XXXX / XXXX / XXXX , the record reveals that was charged the amount of {$100.00}, allegedly because was overdrawn the amount of {$6.00}, {$26.00}, {$60.00}. This incident could have been avoided if Regions Bank would have acted upon a fraudulent activity on the account. Instead charged me the excessive allege overdrawn fee in the amount of {$100.00} In addition the bank charged me {$690.00} in overdraft fees. The account history reveals that the bank continues to charge overdraft fee unjust, charging the same fess again.
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| 03/28/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I went in to Region Bank XXXX XXXX in XXXX NC and made a deposited of 2200.00 and was advised by the teller XXXX XXXX that a XXXX XXXX hold would be placed on 2000.00 until XXXX/XXXX/2015. I agreed to that, but the problem occurred is when I check my account on XXXX/XXXX/2015 my account was XXXX in the negative. I called customer service, because the branch was closed and spoke with several represents and they was not helpful or concern. I then reach a rep ( XXXX ) that was great and tried her best to assist me, but explain that it could only be handle at the branch. I very upset that I had to go 2 day in the weekend with no available funds in my account, because before I made the deposit it was funds available in my account.
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| 02/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Received a fraud alert from credit company for possible fraud activity. They asked if I had made 4 purchases with credit card. I said no. I did not have a stolen card because it never left my possession. They closed the account and issued a new card. The problem is that they put the 4 purchases on the new card. They said it will take 30 days to make a determination. Dates were on XX/XX/2022. They were for {$100.00} XXXX XXXX XXXX. I believe they were in XXXX XXXX. I live in Fl. and have not left the state in many years. Extremely hard to reach credit card fraud dept of this co. Sometimes you are on hold for over 1 hr. They never call back. I call for update and am told they are looking into it. After all, they alerted me!!!!
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| 12/13/2023 |
Yes |
- Prepaid card
- General-purpose prepaid card
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- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
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Web |
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XX/XX/XXXX I received a deposit in the amount of XXXX from my state because they were doing rebates so this card was supposed to be closed as of last year do to fraudulent activity well I was not worried about this money getting deposit because I knew the account was closed and there so the money would be then sent in check well I never received my deposit and I put a complaint with XXXX letting them know what happened then received a response from comdata stating that they fixed the issue and they were working on it then received another message stating it had posted I then proceeded to check the card and nothing I'm so frustrated this might not seem like a lot but I have 3 children I need to provide for so please help me
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| 02/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Basically I just found out that they been doing this. Applying overdraft charges the day or two before my deposit hits. I keep talking to customer service about having no overdraft but every time it is close to payday here comes the overdrafts. Now Im told I didnt confirm that I wanted to opt out but I opened the chat to dispute it why would they say I didnt confirm? I have a {$100.00} advance that hasnt been paid in a month because they put all these fees then say not enough money to pay it. Sent 2 weeks ago but somehow it keeps coming back and how are the monies coming out of my account when I have money but end up being a overdraft. Im fed up theyve gotten well over {$1000.00} from me in overdraft and I finally see how.
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| 07/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have a XXXX card with XXXX XXXX. I paid my account on time and I also linked my bank account to my account. They suspected fraud on my account I called and verify myself no answer spoke to customer service rep they told me they was waiting for my payment to post, my payment posted ( XXXX XX/XX/2018 XXXX XXXX XXXX ( ending with XXXX ) Online Payment $ XXXX ). They told me they will forward it to so many departments. They block my card, I have no access to my card and I have to make biweekly payments to them. The fraud dept told the customer rep to black list me because of fraud. I applied for this card and had this card for over two months and paid on time and out of air the fraud department said I am a fraudelent person.
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| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
Servicemember |
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I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.
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| 07/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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Me and my husband opened up this account when we moved to XXXX so we could live closer to XXXX. He told me he was sick of driving so far from XXXX XXXX.
They sent back our XXXX XXXX.
They sent back our Stimulus and they had to mail it to us.
They called my husband in dead in XX/XX/2021 to Social Security and my husband died XX/XX/2021. We spent a whole month on the phone with Social Security trying to get the money back from Social Security for him. This was when we changed our direct deposit to XXXX XXXX bank.
We got unprofessional voice message asking private information from people at the bank.
I couldn't get XXXX to change his direct deposit for his XXXX from XXXX but I did with his XXXX pay from Social Security.
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| 12/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have a BP BUSINESS mastercard my only uesd it for the frist time on XX/XX/XXXX at XXXX XXXX XXXX for XXXX and when I tried to used my card again on XX/XX/XXXX my card was denied so I call and ask them way! And they told me my card was block to used ur card out of network and I need make a payment frist before they unblocked my Card I talk to XXXX different people and no one couldn't help me but telling me to make a payment..after that I look at my account online and there was transaction trying to be made on XX/XX/XXXX at XXXX I told that wasn't Me and and they still blocked my card and told me I probably don't get my card!!! After I told my information was Stolen and I need a new card they tell they can't do nothing...
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| 12/21/2016 |
Yes |
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Web |
Older American |
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I was dealing with XXXX to set up a web business, after that I started getting calls from other companies offering online related business. That 's when I was contacted by XXXX who designed a website. I was also charged for a blog, a press release and video. Every time they would call they would ask for a new fee. There were several charges in total of $ XXXX.My store was ready for sales in XXXX but have not made a penny. A friend tried to find my store ( XXXX ) but could not find it. So I had no chance of making any money. They never intended to sell me a legitimate business. I have cancelled my debit card. I want and need my money back and I tried to resolve directly with them but they do not respond my refund requests.
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| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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|
Web |
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It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX XXXX Opened XXXX XXXX, XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} REGIONS BANK XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00}
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| 11/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
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THANK YOU : I HAVE A PRESTIGE VISA CREDIT CARD BY REGIONS BANK. CREDIT LIMIT IS {$5000.00} AVAILABLE CREDIT IS {$1300.00} THE BANK DECIDED TO CLOSE MY ACCOUNT. THE ACCOUNT IS TILL OPEN BUT I CAN NOT USE THE CARD. I HAVE NEVER BEEN LATE OR BEHIND ON THE ACCOUNT. I HAVE A LINE OF CREDIT WITH THE SAME BANK FOR {$250000.00} OPEN AND IN GOOD STANDING NEVER LATE. PUT THEY DECIDED TO CLOSE MY ACCOUNT BUT I STILL HAVE TO PAY INTEREST FOR A CARD THAT I CAN NOT USE. I BELIEVE THAT THEY RIPPING ME OF FOR OVER A YEAR.
I HAVE NOT FOLLOWED ON THIS BECAUSE I HAD TO HAVE XXXX XXXX XXXX XXXX. JUST GETTING BACK ON MY FEET AND AGAIN I HAVE NOT BEEN LATE ON MY ACCOUNT.
THANK YOU AGAIN FOR TAKING A LOOK AT THIS MATTER.
SINCERELY XXXX XXXX
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| 12/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I have make a mobil deposit in my business account ( At regions bank ) for XXXX dolar. it supposed to be available next business day and now got and email telling me that deposit will be available 10 days later. I called to 1800 number to look for remove hold and the informed me that I have to go to the branch. went there and was attended by XXXX XXXX. That person have the worst customer service I have never had in my life. She refused go help me, she scream me and also invited to me to close the account. Also told me that he will call the police if I don't move from the chair that I was seat. my phone number is XXXX. Regions bank and XXXX XXXX must be responded to clients like me that has been hurt for their bad service
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| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I went in to the branch to advise of hold on my account. They advised that there were some attempts made on my spouse 's card and the account is on hold. I was advised to come back next business day with spouse. I came back next business day and they opened a ticket regarding the issue. I was not provided with ticket number, nor proof of what attempts were made on my account. I was not provided with an XXXX on when they would release hold on my account. I have now spoken with branch manager and fraud division and they keep referring me back to each other advising that they do not have the power to release the hold and it should be done by the other entity. I have no access to my money and have no way of paying my bills.
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| 07/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Getting married XX/XX/2022 at XXXX XXXX in XXXX, MI. Was working with my event planner at XXXX XXXX and discussing final payment of Venue. This was all done via email. Her email address is XXXX. I told her I would be sending a certified check. Later in the day, I received an email from what appeared to be her with wiring instructions. I didnt think this was odd as I wired my initial deposit to her. I went to bank the next day and made the final payment of {$39000.00}. XXXX mentioned no receipt of funds. When looking at things further the email that sent me wiring instructions was XXXX. The XXXX was from the hacker. Bad guy got my entire savings for wedding. And now Im scrambling to make sure I still can have a wedding.
|
| 08/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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|
Web |
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I am going through a very messy divorce. I was divorced from my ex husband XXXX XXXX, 2015. I opened a bank account at Regions bank for {$2000.00} after this date. My first debit was an internal transaction for {$10.00} to pay for my check order on XX/XX/2015.This was just a few days after opening the account. The balance then was {$1900.00} When filing the descriptive list, my ex husband listed my bank account with the date of XX/XX/2015 and balance as {$1900.00} as his documented information on a sworn descriptive list. He is a banker who has a lot of friends who would give him this information. I believe someone pulled my information to give him. He was never given any authorization to access this account in any way.
|
| 11/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by REGIONS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
|
| 06/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
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On XX/XX/2020 I received an email from regions bank that says {$400.00} Welcome Bonus I completed all the requirements & made the 10 transactions by XX/XX/2020 I waited after the 90 days to check on the bonus. I called 2 weeks ago after being transferred twice & spending hour on the phone Regions Bank reneged on the {$400.00} bonus. I went through a lot of hassle & stress to complete the deposit & 10 transactions by XX/XX/2020.
I received a email that was misleading with a big Bright lime green banner that says welcome bonus. The email title said {$400.00} welcome bonus.
Regions had a hidden fine print that was loaded with fees. Regions reneged on my bonus & gave me a - {$10.00} account that was sent on postcard..
|
| 06/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
|
On Sunday XX/XX/2020 I deposited Cash into the ATM at XXXX XXXX XXXX XXXX, XXXX Florida for the amount of {$3000.00}. The ATM had technical Difficulties and did not process my transaction however did not return my cash either. It gave me a receipt stating I must return to the branch when it is open to " reclaim or receive my items deposited ''. The very next mourning on Monday XX/XX/2020 I went to the bank to do so. The bank said I need to file a dispute so I did. I just called the bank corporate number and they said the dispute is closed and no credits issued! I have filed a police report which I will attach the case number. I made this deposit between XXXX and XXXX on XX/XX/2020. I have attached proof of everything.
|
| 06/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XX/XX/XXXX, Regions and XXXX XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to REGION/XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
|
| 08/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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deposited {$1100.00} cash into Regions ATM on XX/XX/20. XXXX took the money but never issue receipt and funds were never deposited into account. ATM screen error/gray screen ( took pictures of error ). Submitted claim with Regions ( claim # XXXX & XXXX ).
Received letter few days later from Regions saying no error found and ATM was checked, no errors. I asked if they checked the correct ATM and if they reviewed the video surveillance. They said they do not have access to the video surveillance. Escalated the case several times and branch manager said they have had similar issues with their ATMs. Last week branch XXXX XXXX states their notes now show that system did in fact have an error. Issue has not been resolved.
|
| 02/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value.
I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value.
The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX.
Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?
|
| 10/26/2015 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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I just recently realize that for a long time my bank account had been illegally charged with unfair overdraft fees, my banking institution had been so abusive of these fees, that at times I had more than XXXX overdraft fees in XXXX week at {$36.00} each. After complaining to the bank, I realized that the bank manipulates the transaction history to their advantage, making it impossible for me to keep an accurate track of my financial transaction. My banking transactions are not posted in pending in the right order and if there is a cash request they will deliver cash withdraws over the pending transaction to purposely overdrawn my account and later charge all pending transactions an overdraft fees for each on of them.
|
| 02/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
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On the XXXX of XX/XX/2022, I transferred the sum of {$1000.00} to my brother using regions bank XXXX service. The money was withdrawn from my account but was never delivered to the intended recipient. I have made several calls to regions online, been to the branch ( Regions bank XXXX TN ) in person several times, exchanged several emails with a representative XXXX XXXX XXXX XXXX ) from the bank for almost 6 months and they havent refunded nor given me any useful explanation as to the whereabouts of my {$1000.00}. The last thing they did was to refer me to XXXX which is another institution that processes some of their transactions. I called the number and XXXX said they have nothing to do with Regions XXXX transfers.
|
| 06/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
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I had an account with Regions Bank and the bank charged overdraft fees on the account. The charge off date was XX/XX/XXXX and the balance was - {$210.00}. The balance on XX/XX/XXXX was - {$470.00}. I don't have any records of how the bank arrived at the current balance. I made a payment of XXXX on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. After requesting copies of the final bank statements, I realized that I was basically paying bank fees and decided that I would no longer pay on the account until I received proof the debt was owed. On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX offering a reduced balance opportunity to pay the balance off at 35 % in the amount of {$120.00} within 60 days.
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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I had a disagreement with Bank Manager regarding, transactions and overdraft fees that were charged to me incorrectly. I had available funds and bank switch order of processing charging me unreasonable amount of overdraft fees that I was not responsible for. Also was a unauthorized transactions that I did dispute so I shouldn't have been charged by bank. The branch Manager in XXXX, IA refused to return my money back and I then later got a call from customer service, I did miss the call. I then later realized that my funds were returned. Then I receive a letter in the mail stating the branch Manager was closing my account, without reason. I believe she did this out of retaliation, which goes against the Banking law.
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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I opened a new checking account with Regions bank requiring me to deposit {$50.00} in the account in order to go have a card made for me at ANY branch location, thats what I was told. I open and fund the account, today was the last day of waiting for the pending deposit to fully settle. I walked to the nearest branch to get my ATM card and was told by a nasty representative that the card was already ordered so I had to wait. Going back home to look into more information, I am told that I dont even have an eligible checking account so I try to open one and use the deposit of {$50.00} that I funded two days prior, as the deposit for THIS checking account. Still no access. So now this is day three XXXX XXXX XXXX XXXX
|
| 01/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
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I had a installment loan from Regions Bank account number XXXX I was paying on time until XX/XX/XXXX when my daughter got hurt in hurricane Harvey let them know why I could n't make the payments then in XX/XX/XXXX I and the rest of my family had our house distroyed do to hurricane Irma. Called and explained that regions bank took the little bit of money I had in my checking account without my permission and applied it to the loan then reported it as late with the credit bureau 's and closed the loan out so I could n't borrow any more on it they have gone in and taken 5 payments out of my checking account even knowing I am struggling to get my feet back on the ground they did n't care about anything but their money
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/2022 around XXXX XXXX, I drove to Regions Bank ( located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to deposit {$1200.00} ( XXXX {$5.00} bills and XXXX XXXX$20.00} bills ). I received a receipt back saying the deposit was was made only for {$1200.00}. I notified the teller of the discrepancy and was told to hold. The bank manger comes back about 5 minutes later saying that the teller put the money in two Machines and it counted and her draw was correct. I asked if there was another way to verify and she said no because the machines counted the money. She said there were XXXX {$5.00} bills and XXXX {$20.00}. I asked if she could review the cameras, she declined and said it was ran through two machines.
|
| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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XX/XX/2019 my checking account was charged fraudulently for two transactions one for XXXX in the amount of {$200.00} and XXXX for {$91.00}. None of these two transactions were authorized by me. I filed a dispute and the {$91.00} was already approved and returned to me however the one for {$200.00} has not, my bank which is Regions denied my dispute because according to them I authorized it. I have filed a police report already aswell. But I think it is really unfair that they did not approve my claim. I am going to provide the police report for the claim that has not yet been approved. Hopefully that helps. They also try to add my debit card information to a XXXX XXXX account. I don't even have an XXXX phone.
|
| 10/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I made a claim for unauthorized debit card transactions on XX/XX/2018 due to the fact that I lost my debit card and it was not in my possession. Regions Bank denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis. '' As permitted by Regulation E, on XX/XX/2018 I requested copies of the documents Regions Bank used in making its determination not to credit my account for the unauthorized transactions. However, Regions Bank has never responded to my request and has not credited my account for these unauthorized transactions. In effect, they have simply ignored my request because they know there are no penalties under Regulation E for their bad faith actions.
|
| 06/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
Universal Premium Fleetcards / Mastercard XXXX UPF auto signs up their clients into programs ( in this case a percentage of our bill going to planting trees ). I have never heard of this program nor did I sign up for it. {$57.00} was charged to our account. They credit it IF you discover it and IF you call in to get them to credit it. However they credit takes 2-3 billing cycles or 30-45 day s. If they have XXXX clients they fraudulently sign up, at {$57.00} each, that 's $ XXXX they control for XXXX ... at 1 % interest, they just cleared {$570000.00} for fraudulently charging clients. This ca n't be legal, can it? XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX
|
| 02/03/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I tried to rollover two separate IRA accounts. The IRA 's were suppose to be sent electronically from XXXX XXXX XXXX, to Regions Bank. One account was accepted, by having a required disbursement made and deposited into a CD account. The remaining amount that the disbursement was made from, was then supposed to be comingled with the other IRA & made into one separate IRA rollover. Regions documentation shows transfer was accepted, however the account that was set up, was cancelled, because Regions states " the account had not been funded ''. Then XXXX XXXX states " they sent a check to Regions. However, that check has not been deposited and account opened, This took place XX/XX/2017, the amount was 20,000 plus.
|
| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I had made calls to Regions Bank in the XXXX and XXXX time frame for issues with them charging me overdraft fees after I would check my account and it stated funds were available. I had called they told me that the other transactions hadnt posted yet and thats why I was charged an overdraft fee since they had all cleared and put my account in the negative. I thought that was strange since the available balance had shown I had sufficient funds when I would make a transaction. Overdraft fees were at the {$36.00} amount each time it would happen. I didnt think there was anything that I could do about it, so I left it alone. However, due to the current settlement, I found that I was actually the one in the right.
|
| 10/03/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
The reason for this complaint is due to an overdraft that Regions bank did to my account. Let me explain : I had a positive balance in my account and they charged me XXXX dollars overdraft fee for XXXX transactions a total of {$180.00} ; I went to the branch and they told me that the " future purchases '' did the overdraft on my account, I 'm attaching a copy of pending transactions for you to review. This is a small business account and they put me under stress, given that I needed that money for some bills I needed to pay. ( electricity, internet etc. ) which are very important for me because I need them to run my business.
I truly will appreciate if you help me with this situation.
sincerely, XXXX XXXX.
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
After being with the bank for 30 years Regions Bank sent me XXXX letters that all XXXX of my accounts will be closed on XX/XX/2023. I have XXXX personal and XXXX business accounts at Regions bank.
There were no explanations and when I tried to call the numbers on the letter and talk to the bank representative in the branch, I was told that they do not have any information and that the department that sends these letter does not take phone calls and does not have anybody to communicate with.
This does not make any sense. I do not understand how it is possible to treat people like this.
I would like my accounts to stay as they are, and I would like to have an explanation why I have received such letters.
|
| 07/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by me.
|
| 01/27/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by XXXX.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
The credit card in question is with Regions Bank ( headquartered in Alabama ), although my accounts with Regions are all in Louisiana.
In the past I paid my credit card online using my Regions checking account. Now I am paying my credit card using an external bank - XXXX XXXX which has branches in many of the same states ( including LA and AL ) that Regions operates.
Regions is holding my payment for ten days. This seems unreasonable to me, as they acknowledge they received the payment and they payments have cleared my XXXX XXXX account. This all happens in two days. The amounts are not large - {$500.00} and under.
I have had this account for many years and have a perfect payment record with Regions.
|
| 02/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I attempted to deposit a check at the local Regions Bank located in XXXX Texas that was missing a endorsement from the second party which was lien holder of my vehicle. The check was placed on hold and all of my accounts were frozen as a result.
Ive spent a total of 5 hours trying to rectify this matter at the Regions Branch and on the phone. I contacted XXXX XXXX to cancel the check which they did. I was told once the check was either endorsed or canceled then the hold would be lifted from my accounts. I was lied too. Regions bank will not do their do diligence and are still holding the check after receiving proof its been canceled. These is Day 2 I am unable to feed my daughter and make any purchases.
|
| 09/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
Last week ( XX/XX/2018 ) I began the process of Refinancing my mortgage to decrease my monthly payment. The Mortgage Loan Officer " XXXX XXXX '' sent me an initial loan estimate where the loan amount is {$170000.00}, I only owe {$160000.00} on my Condo. I asked the loan officer, why do they do this, " up the loan amount '', she couldn't give me an answer. I requested that she tell me where the " {$1300.00} '' difference go? Or could she provided me with those line items in the loan estimate that would total " {$1300.00} '', no response.
I asked her for the Truth in Lending Disclosure Document and she said they don't provide this document anymore and I requested a notice explaining my rights, no response.
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Region 's Bank and XXXX XXXX allowed someone named XXXX XXXX to receive a wire transfer of {$770.00} from my checking account. Region 's insists this amount was authorized by me. I disputed the transfer, and my dispute was denied. I filed a police report with XXXX XXXX, FL Police Department ( XXXX ) and a claim with XXXX XXXX XXXX case # XXXX ), I appealed the transfer with Region 's, and the appeal was denied. I checked with XXXX and found someone had added a phone number to my account that could receive text messages from my phone. That telephone number is XXXX. My account is FDIC insured against fraud. The withdrawal and approval of the money was fraud, and I want Region 's to refund my money in full.
|
| 12/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 10/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My wife has been unemployed for over a year since she was forced to close her business because of the business not generating revenue. We are delinquent on all our bill.
My income is the only income that we have at this time, my wife is currently seeking employment. Received property foreclosure correspondence XX/XX/2019 with a sale date of XX/XX/2019 per the Tennessee law foreclosure sale date notice is to be received 30 days prior to the property foreclosure sale date. Received correspondence XX/XX/2019 to validate the debt. I didn't receive this notice 60 days prior to the property foreclosure sale date. I've recently submitted request to the mortgage company Regions Mortgage for mortgage assistance.
|
| 03/14/2017 |
Yes |
|
|
|
Web |
|
|
I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.
|
| 07/24/2015 |
Yes |
|
|
|
Web |
|
|
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.
|
| 08/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account on XX/XX/XXXX based on information received via direct mailing involving a promotion wherein I would be paid XXXX USD if I satisfied the conditions.
The conditions were outlined indicating that I should meet direct deposit requirements, minimum balance, and keeping the account open for 90 days prior to getting the promotion. In addition, it states that I should not have had an account within the past 12 months.
I contacted the company via website chat on XX/XX/XXXX with regards to the status of the promotion. They responded to me indicating that I should not have had a relationship with the bank prior to XX/XX/XXXX. The promotion mailer does not specify this criteria.
|
| 06/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Regions fraudulently accessed several XXXX fees on my checking as a result of a debit transaction that come through on Wednesday XX/XX/21 at approximately XXXX. It put my account in the negative {$12.00} on the same day I transferred XXXX bucks to put my account back in the black. I had XXXX XXXXavailable. After making the transfer I screenshot my account online as proof that I had indeed transferred enough. The following day Regions charges me XXXX dollars. I called and spoke to a Supervisor named XXXX who says I didnt transfer enough and he didnt know why Regions mobile app didnt show the correct amount. I told them they were participating in illegal resequencing and that I was filing a complaint
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, REGIONS BANK CREADIT CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
|
| 09/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank, Regions, has a way of classifying some transactions as pending. They stay in that status for various lengths of time based on some factor not known to me. My issue is that if my projected balance resulting from pending transactions reaches negative, Regions charges me a service fee, EVEN IF I make a deposit to cover the negative balance BEFORE the transaction that takes me negative is moved to non-pending status.
The result is overdraft charges in my statement that appear without my balance ever going negative.
This strikes me as Regions " having it XXXX ways. '' The way I see it, if I take care of a " pending '' negative balance before it is no longer pending, I should n't be charged.
|
| 10/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I received a XXXX credit card in the mail that I never applied for.
It was delivered to an address I am associated with through work, but I would never use that address for any reason of my own. Additionally, the address is missing the street number. I'm not sure how it was determined to send to the correct property that my colleague would bring it to me.
The name on the card references my maiden name but it is spelled incorrectly. The company listed under my name is a company I have never heard of before. Additionally, the word " ghost '' is listed in the company name.
This card is a XXXX XXXX XXXX.
I need this card removed from my records and for my reports to not be impacted by this.
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XXXX - my bank card and bank account were hacked. A XXXX account was set up using my information and my bank card XXXX XXXX purchases were made through XXXX totally {$1000.00}.
I spoke to XXXX 2 times via phone and sent email to the complaint department. I have asked them to remove the account and remove my personal information from their system. They are telling me they can't because there is history there and pending charges. This is a fraudulent account that should be closed immediately to protect thieves from stealing more of my funds. XXXX should be more concerned about this but they are not. Send an email, call the complaint dept. All of which I have done with no resolution. Please help
|
| 10/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Months ago I went to the bank to get options from regions bank about IRAs. I explained I was interested in a IRA but this employee insisted on telling me to put the money in a annuity after I explained what I needed the money for. She did not tell me all the of the pitfalls of the annuity. When I needed to take out money for an emergency I then learned from the annuity that there was a stiff penalty. I complained to the bank manager after finding out the penalty and he said he would cancel the annuity for me after being duped by this bank employee. It was never done and I have a medical emergency and can not take out the money without a stiff penalty. I do not know where to turn to. Please help.
|
| 03/31/2016 |
Yes |
|
|
|
Web |
Older American |
|
I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
|
| 10/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Case # XXXX For XXXX XXXX status shows the account was closed, reported lodt or stolen, and never got re issued or assigned new account instructions for the acct to be re opened for by the bank, on both accounts in which now are closed or in active, unable to access online banking as well, the original opening date of the first acct is platinium relations, in XX/XX/XXXXby me online and by some unauthorized person who received my status and did not maintain the account, then in XX/XX/XXXX I was issued a reg. XXXX debit card, that was stolen no sooner than I got it, this was reported as well never received by me, as it says now on file the account had multiple cards, and they are all now closed ..
|
| 09/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I opened Regions personal checking XXXX account as part of the promotion. Setup initial deposit also. But I am not able to access the account online. I had an old profile but even using that I can not access it.
For this I called Regions bank customer service on XXXX XX/XX/2023. I was told by the lady that may be try after 24 hours. Well it's not working even after 24 hours also.
As part of this promotion- one has to be have online access.
When trying to enroll for online access, I am getting this kind of error : We apologize for the inconvenience, however we are unable to process your request at this time ( XXXX ).
Please contact Regions XXXX XXXX at XXXX ( XXXX ) for further assistance.
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX my Comdata account was used fraudulently for {$140.00} at XXXX XXXX # XXXX. Upon detection ( late XXXX ) I filed the Comdata dispute form for the transaction, my Comdata card at the time ended in XXXX, notifying them of the fraud transaction. On XX/XX/XXXX Comdata emailed me and informed me that my claim had been approved and that funds would be credited back to my account. As of XX/XX/XXXX I have not received the credit of {$140.00} to my account. I emailed the Comdata service department on XX/XX/XXXX, XX/XX/XXXX, and multiple times throughout XX/XX/XXXX with no resolution. I have copies of my dispute form submitted in XXXX as well as all email correspondence should you need it..
|
| 11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I received in the mail a flyer advertising {$400.00} if I opened a new regions account. I opened the account and followed all instructions but they never gave me the {$400.00}. When I contacted them they said it was because I did not enroll in electronic statements within the first 30 days of opening the account. I explained that I attempted to enroll in electronic statements but the enrollment process requested information from my paper statement. As such, I had to wait to receive my first statement before I could enroll in electronics statements. This effectively eliminated my ability to receive the offer when I in good faith held up all requirements on my end. I feel like Ive been defrauded.
|
| 11/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My Regions checking account has been charged overdraft protection fees on several occasions despite my not being enrolled in overdraft protection. I reached out to Regions customer service via the mobile app messaging service and I was told that my account was opted in to overdraft protection when on my end it clearly says I am not. I offered to send the customer service rep a screenshot of this record but unfortunately there was no way to send pictures through the service and she refused to give me another form of communication for the customer service line. I am sick of being charged for fees unknowingly when I am under the impression that Ive opted out of this coverage for this very reason.
|
| 02/25/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
BP Mastercard puts up multiple roadblocks to closing an account since even if you stop using it they want to continue to charge fees. After 5-6 hours and dozens of calls a multiple emails I was finally able to close our account on XX/XX/2023. Confirmation no. Issued confirming closure. Now over a year later we are still billed for misc fees. When I attempt to resolve they claim Im not authorized to send EAL with them only my bookkeeper who retired a year ago. I have all the codes and passwords and opened the account with my name and SS 10 years ago but they dont care. Anything to keep the money trail of bogus fees. Im sure Im not the first to complain about this disreputable shameful company.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Thursday, XX/XX/XXXX at XXXX XXXX I went to my atm and deposited XXXX XXXX XXXX bills equally {$600.00}. I can only deposit 30 units at a time so I counted 30 beforehand. It took a long time to process and gave my card back while saying my transaction was cancelled. It printed out a receipt saying there was a problem returning my money and to contact my bank. Last time this happened I had to wait almost two weeks to get my money back ( it was also {$600.00} ) because Regions bank said that the people who work on the atm only come out on Wednesdays and they need to make sure it really was {$600.00}. When I got my money back it was only {$300.00}. They told me there was nothing they could do.
|
| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Region 's Bank charged me an Overdraft Fee of {$36.00} on XX/XX/XXXX when my account balance is and has been positive since XX/XX/XXXX.
They have claimed that some mysterious pending transaction that was never shown on the account whatsoever must have caused it by dropping it to negative, despite the fact that no such transaction was ever recorded by myself or the bank 's online service, and overdrafts are not applicable to pending transactions, only posted transactions. According to both logs, there was never a negative balance during the weekend of XX/XX/XXXX.
Region 's support has stated quite bluntly that they will not be returning the money and they are unable to correct the issue.
|
| 01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
XX/XX/2021 I loaded {$300.00} onto my card. I went to the gas station and used {$40.00} for gas. I went to pick up my son and get something to eat. As I tried to purchase food my card was declined. I called the bank and they told me I would have to wait until after the holidays so they can see what was posted. Three separate transactions ranging from {$30.00}, {$150.00}, and {$200.00} were charged and overdrawn my account. All start with XXXX XXXX XXXX. The bank told me it was sporting event tickets. I dont go anywhere. I didn't make these purchases and I want my money back. I can't pay some of my bills because some XXXX decided to mess with my money. I have screenshots of said withdrawals.
|
| 09/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/2018, I was assessed {$100.00} in overdraft fees by Regions Bank due to three checks that were cleared. However, I believe that Regions Bank rearranged the order of the checks so in such a manner that would maximize the fees charged. On XX/XX/2018 I received a direct deposit and I believe that Regions retroactively assessed the overdraft fees.When I checked my balance on XX/XX/2018 I had enough money to clear the checks that were presented. However, on XX/XX/2018 I checked my balance and noticed that the aforementioned fees had been assessed. I believe that Regions Bank cleared the checks on XX/XX/2018, posted them to my account on XX/XX/2018 in order to be able to assess the fees.
|
| 01/12/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}.
2 ) When I called in to pay it off they say I owe approximately {$120.00}.
3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan.
4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).
|
| 12/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022 I went to Regions bank to the atm to deposit my check which I received in cash. It was XXXX XXXX I put it into the ATM and it gave me a receipt stating that the transaction did not go through. It kept my cash.
I called that afternoon and they said it would take around 10 days to get my money back, but to call back the next day. On XX/XX/2022 I called around XXXX and they said I should receive my money in my account today because XXXX would come but to call back after XXXX. Around XXXX I called back and the lady told me it would be around 10 days before my money would be deposited. This is my paycheck, I have bills, children I have to feed. I can not play this game with them.
|
| 04/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I have been with Regions bank of Arkansas for a few years now and havent had any issues, until recently. The bank keeps charging these monthly fees and takes my money out of my checking account to cover these fees. The monthly fee is {$8.00} and every month they keep taking it out of my checking to cover it. Im no longer working due to my XXXX and am trying to save whatever I have. I can not live by if they keep charging me these fees. The fees will continue to be taken out of my checking until I am in the negative. Whenever my XXXX gets approved I need to have my checking account open for direct deposit. When it comes, that money will go to the coverage fees. I can not have this happen.
|
| 06/11/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
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!!!!
|
| 03/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I purchased tickets to a hockey game online. In order to pay, I had to make an electronic payment. As such, I used the service my bank, Regions Bank, compels me to use, XXXX. After making the transfer, I never received the tickets. Neither the bank, nor XXXX, would reverse the transfer. Worse, neither company would provide information that would assist me in helping law enforcement with identifying the scammer. Regions pointed the finger at XXXX, and XXXX pointed the finger at Regions -- both claiming they have no idea who they paid the money to or what accounts or bank the monies may have been deposited in. Regions Bank only recorded the fraud after I insisted that they make a report.
|
| 01/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On Sunday morning XX/XX/XXXX I was notified by text that withdrawals were being made on my account. I immediately canceled debit card and Monday morning was at local branch and signed paper work for a fraud case. They have denied me saying that it passed their fraud credentials. I live more than an hour from where transaction to place and I was told that another attempt was tried Monday morning but was denied. XXXX XXXX was the time they said the attempt was and I was at work clocked in waiting on bank to open. I have maintained possession of card the whole time and even showed them the card. I dont know what else to do and they are treating me as if I stoled my own money. Please help.
|
| 12/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Customer service at BP agreed to remove excessive late fees contingent upon resolving the actual usage amount {$330.00} less alleged late fees on XX/XX/2022. BP continues to bill late fees ( XX/XX/2022 ) for late fees not actual usage of the card after XXXX XXXX XXXX XXXX 's account was paid as agreed less alleged late fees. As of XX/XX/2022 there is a balance of {$150.00} ( {$75.00} Late fee x 2 ) for a bill that has been resolved. Spoke to BP representative XXXX XXXX and he assured via email that the matter would be resolved, resolution did not happen. BP is gouging diesel fuel clients in the most trying of times for logistics companies. Please assist with this matter, Thank You.
|
| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I deposited a XXXX dollar check on XX/XX/23 from a customer I did a job for. I expected to have a two week hold on the check but after the two weeks we're up I wasn't able to use my debit card and I went to the bank and they told me they closed my account and had a fraud hold put on the check it has been on it since the XXXX and they told me today that it could be another 90 days until I get the hold lifted for suspected fraud. I talked to the customer and the funds have already been taken out of her account and the check cleared on her end but regions bank will not lift the hold for me to withdrawal any of my money or give me any kind of solutions other than they are working on it
|
| 11/02/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Older American |
|
The Contractor, XXXX XXXX + XXXX XXXX, XXXX. XXXX did not complete the solar installation as agreed per the 'Installation Agreement ' attached. Financing was arranged and obtained by XXXX, XXXX XXXX, through " XXXX XXXX '', copies of XXXX XXXX ; however, the documents were removed from XXXX and we have no paperwork from XXXX XXXX, we could not discover XXXX XXXX in the NMLS. We were delivered a Pronmissary Mortgage Note from " ENERBANK '', again not discoverable in NMLS. In a text conversation with XXXX XXXX SMS with the bank, we stated " DO NOT PAY '' ( XXXX ), since the work is substandard and rejected for the XXXX XXXX XXXX XXXX XXXX contractor 's final permit, herein attached.
|
| 04/07/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
Regions Bank is reporting a fraudulent credit card account on all three of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Regions Bank several times, and requested investigations. All XXXX credit bureaus informed me that Regions Bank verified and confirmed that the account belongs to me. I have not received any proof or documentation from Regions Bank that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
|
| 12/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The banks ATM took my cash shut the door with my money still stuck some of the bills were sticking out of the machine. I tried to get the bank to send out a rep immediately they then took several days to check the ATM. They got ahold of The company or other bank XXXX XXXX to do an audit but claim I was the last one to use it but how many people could have taken that money sticking out is untold. They gave me the money I told them it took and that if they counted less then I would be responsible for the difference. That difference was much more than what I deposited. They never offered to pay late fees as a result of them holding my money over XXXX before I had access to the funds.
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2020 I had over XXXX in my account I kept getting charged a {$35.00} fee then started getting charged a {$500.00} holding fee which I never understood. I would log in to check my balance and it would show XXXX for a return holding fee that was tooken from my account and was never returned they next day XX/XX/2020 I checked my account and had 2 - {$500.00} for a return fee regions was taking my money I ended up closing my account and never opened another regions I was told to dispute the transactions and I would recieve my money back its been almost 2 years and I never gotten a penny back over XXXX of hard earn money tooken from me from a bank that I thought I could trust.
|
| 03/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently asked a mortgage company ( regions mortgage loan XXXX ) for help because my income has been greatly reduced because of illness my wife ( XXXX XXXX ) I sent six documents, including Hardship Letter, paysub, House debt, Mortgage Assistant Application, Dr.certified Illes , Medical Bill, XXXX, ( XX/XX/XXXX ).
But today they answerd as below Current. Modification Term. 360m. 480m Payment. {$2300.00}. {$1900.00}???
What is this?.
reduce {$360.00} but 10years more pay!!!
Is this customer assistance?
What are they assistant?
I do not understand Ps : I do not delinquent my mortgage but they said my mortgage is seriously delinquent?
And threat me to foreclosure my house!!!
|
| 04/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I called regions banking filled s complaint on my account of fraud. To my debit account and the closed the account and sent me a new visa depot card. I had to close my XXXX Visa card as well because I was sent an email where they asked for my information and it was fraud which I gave out. There were two charges by wow airlines on my regions account on XX/XX/XXXX for XXXX and one for XXXX. I filled s complain of fraud with regions and they said they denied the claim. I went on to the web sight of wow and I see they went out of business so is that fair I lose my money cause those charges were made? I dont think that is fair that. Someone can get into my account and I lose my money.
|
| 04/05/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
ok I met this person on XXXX after going through a divorce, after speaking with him a while online he said he wanted to help me because I was going through financial troubles convinced me to give him my Regions account number to deposit XXXX in my account to help me. Well little did I know I was being scammed, Regions sent me a copy of the check which was from XXXX and it wasn't even the person I was speaking to online. Fake online name and all, this has messed me up bad with direct deposit my pay and cashing an insurance check I received from damage in my storage building. Please I have learned my lesson and trust no one with my personal information. I am the victim of a scam.
|
| 12/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
I am writing to dispute the following information in my file dispute on the attached copy of the report I received.
This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information.
Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I open account with Regions bank I deposited XXXX $ in the account a week later I got a letter saying I owed money to the bank and the XXXX was taken I called couple of times no response or returned called I finally got ahold of a manager at the branch name XXXX XXXX Saying there was no other account for me with a previous balance also the manager by the name of XXXX XXXX open the account for me And did it see anything as well if I owed any amount it wouldnt never let me open up a account according to both managers they neither one saw anything this happened In XXXX and just now being addressed Ive got emails about the account being open ending in XXXX No debit card or anything
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I opened a savings account with Regions Banks on XXXX and made a deposit in the amount of {$12000.00} and one withdrawal in the amount of {$1400.00}. Since then, I have not touched the account, and just recently when I went to get funds out of the account I was told the account was closed. I have a statement with the account number and proof of deposit but no one at Regions is willing to help me locate my funds. In addition to them not being able to find the original deposit I was also supposed to be getting direct deposits into another checking account monthly since XXXX and I did not start getting them until XXXX even though the depositing company says they were sending them
|
| 02/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I checked my account on my regions mobile banking app and transactions were shown from deposits into my account of XXXX dollars and sent through cash app to an unknown name. Once I saw this, I locked my account and went to regions and explained my situation. Regions bank investigated the situation. They got back with me and said they will not give me any credit for the claims and I was left with my savings account left in the negatives for XXXX that I have to pay back to the bank to get my account out of the negatives. These transactions happened XX/XX/2019. I can not pay that money back because I do not have the money because I am a XXXX XXXX and I am not working right now.
|
| 10/19/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
i had XXXX 2 times taken outta my account not authorized by me. i went to a branch in XXXX XXXX an a lead lady helped me i tried give her police report an she did not take it she did refuse an stated that its my fault that i gave caller my acct. information, shes a lier i never ever gave anyone my acct. information. so i went to celebration branch an XXXX took my police report an submitted report to bank, an they continue to refuse paying me back my XXXX XXXX XXXX was the one at first bank who continues to repeat to me that i gave my information, im sorry but yes she is a lier. she hurt me bad.this is regions bank an yes i left them to go to XXXX XXXX XXXX XXXX a great bank.
|
| 01/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.
|
| 12/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX
However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home.
As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply.
This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.
|
| 10/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I recently found out that regions bank place an overdraft fees of {$110.00} on XXXX, I called them today to send me my last statement as I never wrote a check or cause any overdraft fee, I closed my account with this bank, but instead of them closing my account they kept it open and then charged me two overdraft fees because I did not have the amount to maintain this account, and to know this is a wicked bank, I was never aware of this until last week when I went to open an account I found out that region falsely my account and place {$110.00} overdraft on my account, not {$1000.00}, not {$5000.00} but a fees that they imposed on me after I requested them to close my account
|
| 12/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Signed up for account on XX/XX/XXXX with new account bonus of {$200.00} within 90 days after meeting requirements of {$500.00} direct deposit and 10 debit card transactions in 60 days. Debit card was never sent and had to request one in XXXX?! I met these requirements as evidenced by XXXX and XXXX statements ending on XX/XX/XXXX. I followed up with customer service 90 days after meeting requirements and was informed I only had 5 debit card transactions?!
Their response : 'I am filing your complaint. I will be back with a confirmation number. I can confirm that you will not receive the bonus. I apologize for your experience. ' What a shady company and business practices.
|
| 12/15/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I got an offer in the mail from Regions Bank offering a {$400.00} bonus within 90 days for opening a checking a count by the 3 steps on the mailer ( see photo ).
I followed each step, opening the checking account with {$1500.00} on XX/XX/2022, complied with every detail written, and they did not award this {$400.00} bonus. I believe this is false advertising.
I went to my local Regions Bank 3 times for resolution, the first time with XXXX who filled ticket number XXXX, the second time with XXXX XXXX, and the last time today XX/XX/2022 with branch manager XXXX XXXX who gave me complaint number XXXX.
Regions Bank has a scam going here. I think the public should know.
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I went to XXXX, FL XXXX XXXX XXXX on XXXX XX/XX/2022. Regions Bank representatives failed to appear. The Honorable Judge XXXX XXXX entered a Default Judgement in my favor and I was told to return XXXX XX/XX/2022 for a Final Hearing. Regions Bank representatives appeared for the Final Hearing and the judge vacated her Default Judgement and allowed the banks lawyers to proceed with their defense. Regardless of all the circumstantial evidence I presented to prove Fraud and Embezzlement on the part of the Regions Bank Teller, the judge agreed with the lawyers that they were not liable for the theft of some {$2300.00} because I had failed to discover the fraud within 30 days.
|
| 06/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
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?
|
| 04/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
On XX/XX/XXXX, the bank debited my Regions checking acct for {$50.00} in error. This checking acct and several others were previously joint accts with my mother. She also had some accts in which she was the sole owner. She died on XX/XX/XXXX. After her death, I took her death certificate to the bank and had her removed from our joint accts and closed all the accts on which she was the sole owner. Apparently they missed closing one of her solely owned accts which had a {$50.00} annual fee and they debited my acct for that fee. I would like to be reimbursed this {$50.00}. I was told by XXXX XXXX, the branch manager ( XXXX XXXX XXXX phone ) that I would not be reimbursed.
|
| 01/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regions Bank ( account initially opened in XXXX, TN ) has been charging my account a monthly fee of {$5.00} for account access for a 3rd party. I have several emails going back and forth trying to resolve the issue, and have been told it's resolved... only to have the charges continue to show up and Regions Bank continue to charge me the monthly fee ( which I believe will now go up to {$8.00} per month instead of the {$5.00} they have been stealing each month ). Their excuse each time is usually something like, " Well, this is online banking 's error ... '' I have several emails from the bank manager and her rep that I can supply as supporting documents. This is THEFT.
|
| 06/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I inquired about the $ XXXX monthly fee on account XXXX XXXX XXXX at Regions Bank late last year. I was told that if we have a paycheck direct deposited into the checking account, the fee would be waived. We pointed out that we do indeed have a paycheck direct deposited into that account every month and the branch manager said " he would take care of it ''. I've been charged {$8.00} a month ever since. I bring it up EVERY time I talk to anybody at Regions and they always assure me " they will take care of it ''. They have pulled {$48.00} out of my account in XXXX that should not have been taken out and it appears they will continue to do so indefinitely. This is WRONG!
|
| 10/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.
|
| 03/06/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American, Servicemember |
|
My dad opened a home equity loan in XXXX to remodel a room. He paid it off that same year but left the loan open just in case. In XXXX, XXXX he asked me to close it for him. He was very sick and at that time, I had POA. I went to the local branch with all my legal papers to close. The customer service agent helped me close the loan. Dad died XX/XX/XXXX. 2 days later I get a letter concerning the loan which is obviously still open. I return to the same agent with death certificate and she sends it to the legal department. This continues every month. Each time I go back to the bank and make phone calls. We are selling his house, closing XXXX. This will hold up the sale.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Good afternoon, I am making a dispute against Regions bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry.
However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
|
| 03/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY
|
| 03/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I receive a deposit from XXXX by mistake from XXXX XXXX dollars ... On XX/XX/2023 So the person contac me and explain me then she was a mistake and ask for that money I checked the transaction and ok the money was on my account so i give her my address and I pay to her the XXXX hundreds dollar.but on XXXX/my bank take from my account XXXX XXXX dollars they set they send that money to XXXX XXXX from XXXX XXXX XXXX I contac to XXXX XXXX and we're going together to ask for the money to XXXX XXXXXXXX XXXX but XXXX XXXX sey they don't have that money so we wan to know were it's the money thanks for your help bos telephone numbers my and her are ready to share any time
|
| 01/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Regions Bank on my consumer credit reports, as a charge off inquiry. Regions Bank cant report something as both income and debt.
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Regions Bank must fill a form XXXX ( please provide me with a copy ).
Regions Bank has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
|
| 01/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I sold my home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and bought another home at XXXX XXXX XXXX, XXXX XXXX XXXX Regions Mortgage held the mortgage on both. I closed on XX/XX/XXXX. I havent received a mortgage statement from Region mortgage by XXXX or by email since I closed on this property on XX/XX/XXXX. They keep sending the paperwork to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have contacted them and they continue to send paperwork to my old address. I spoke to XXXX XXXX at XXXX and it continues. I spoke to XXXX on XX/XX/XXXX and she stated that she changed my address. Someone at Regions Mortgage continues to change it back to my old address.
|
| 06/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
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Web |
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XX/XX/2022 XXXX XXXX, a solar company came to sell me solar. I accept it. They finance me through a finance company ( Enerbank ), the solar company never made contact with me again.In XXXX a second solar company came by to sell me solar I explained I was waiting for the first company but they hadnt showed up. They said they probably wont so I bought solar from them and got financed through a different finance company ( XXXX ). After trying to get a loan I saw on my credit report the first finance company charging me XXXX. I make contact with them and they told me they paid off the solar company so I owe them the money I was wondering if I can get help with this.
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| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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Everytime I call to customer service to unlock my card or do anything the representative says " with the information provided we can not locate any account '' and they just ask me the account number. I told them exactly the same account number as appears on my online banking.
I want to have this issue fixed because is really disgusting to fight with the useless customer service call center.
My full name is XXXX XXXX XXXX XXXX, Birthday XX/XX/XXXX Acount was oppened in XXXX on XX/XX/XXXX telephone number XXXX XXXX XXXX email XXXX Or I need to know if any of that is wrong or different, but I cant understand why they gave that stupid and unusefull answer Thanks
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| 04/27/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the mortgage.
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| 02/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
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Web |
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I attempted to make a withdraw from a Regions ATM in the amount of {$280.00} from an XXXX XXXX XXXX card. I use this ATM several times a month in varying amounts without issue. Today I received an error message after submitting my withdrawal and I was not given the cash requested or a receipt. My XXXX account was debited for {$280.00} to include the fee charged. After contacting Regions about this issue, I was told they have no record of the transaction and would not be able to assist me whatsoever.
Their ATMs error is costing me considerable financial strain. I needed this money to pay my car payment which will now be late and runs the risk of repossession.
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| 01/03/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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Web |
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XXXX XXXX XXXX I made a mobile deposit of {$4000.00} into my wifes and I savings account. I was notified that there was a hold placed on the account until XXXX. On XXXX I was then notified that the savings account had been restricted due to it being suspicious, irregular, fraudulent, unauthorized or unlawful. I then called and was told to visit a branch. I spoke with the branch and was told to sit tight and it should be resolved on its own, like a deposit hold, the fraud dept restricts the account. The branch did nothing further. I also verified that the check cleared from the bank. I believe Regions is accusing me of fraud and wont let me access my money.
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| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On or about XX/XX/2022 Regions Bank allowed scammers to make 3 withdrawals from our business account totaling {$120000.00}. Before the withdrawals were completed Regions Bank called me on the phone to alert me that some fraudulent activity was in progress. I immediately let Regions know that I was not in the process of doing any withdrawals at that time. I went to the local bank within 10 minutes. However, Regions allowed the funds to leave my account. It's been about a month and Regions has not returned the money. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have bounced checks and are in need of the funds to meet payroll.
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| 11/26/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Servicemember |
|
Regions Bank is allowing ACH debits to run my checking account to negative balances despite my refusal to have my account overdraft and would debit my account first and then post my electronic ACH deposits secondly in order to create more overdraft fees. I have specifically disabled overdraft protection on this account and this has resulted in NSF fees on several drafts the past 4 plus weeks starting on or around XX/XX/2018 running through appears to be well over {$220.00} or approximately 7 separate NSF charges on my account of {$36.00}. This is unfair and dishonest banking and I have contacted my local branch manager XXXX XXXX and she refused to help me.
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
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I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
Older American |
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On XX/XX/XXXX I had unauthorized use on my debit card on the same day I called the company to report the amounts which were as follows, {$240.00}, {$530.00}, {$65.00}, {$84.00} and {$250.00} On XXXX XXXX I was sent an e mail from the company that they were providing a provision credit for the amount being disputed of {$74.00} which I do not understand given the amounts that I have indicated that are under dispute.
In the email I was advised that it would take from 45 to 90 days to complete their investigation that's after my original reporting the incident it has been well past that point now and I was wondering could this office help me in this regard.
|
| 12/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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On XX/XX/2018 I made a purchase to XXXX for {$5.00}. That transaction was pending on my account. At the time, I had enough money to cover the transaction. On XX/XX/2018, Regions rearranged the order of the transactions which cause me to overdraft my account by {$100.00} in NSF Fees and another {$15.00} for overdraft protection transfer. Regions took the {$150.00} check 1st and then split the XXXX purchase for {$4.00} and {$.00}, taking them second. Please keep in mind, I made one total purchase for {$5.00}. This caused all the fees above. The XXXX transaction should have been processed before the check. My card was used prior to the check coming through.
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| 02/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/XXXX I contact Region Bank about a fraudulent bank wire, between my account at Region Bank and XXXX XXXX for the purchase of XXXX truck in the amount of {$3900.00}. Region Bank replied they will ask XXXX XXXX to conduct reverse wire transfer and XXXX XXXX replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank Region called and notfied me that XXXX XXXX have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in Global Auto Auction account. I ask Region Bank and XXXX XXXX can they help me out with this situation and they both refuse to
|
| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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Regions Bank has repeatedly charged overdraft fees for charges that are pending and have not been drafted from my account. I am attaching a screenshot of my account. I had a balance in my account and several pending charges that had not cleared my account yet. An overdraft charge was charged to my account which resulted in a negative balance. The money is there for the pending charges, so I was charged an overdraft fee for charges that could possibly result in an overdraft but have not cleared the account or been charged to the account yet. I don't feel overdraft fees should be charged until pending items have actually cleared or posted to the account.
|
| 01/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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dept. of education is showing XXXX 90 days late and XXXX 120 days late. XXXX XXXX is only 30 days why is it reporting 120 days also XXXX is showing 90 days late, the information is al over the place which make no sense it inaccurate, I have contacted XXXX they have up dated disputed information but this need to be corrected and remove, my account was service by one lender then it was sold to another lender I never been late. in my file it 's showing late XXXX and with the same servicing co it showing no late paid as agreed applied for a auto loan with XXXX XXXX and was denied base on this inaccurate information serious past due with dept. of education.
|
| 10/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that REGIONS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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| 05/26/2015 |
Yes |
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Web |
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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.
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.XXXX XXXX XXXX, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
|
| 10/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American, Servicemember |
|
Fees There were fees for everything! I had my account for over 20 years with Regions. Then all these fees started, for everything from not enough money in my account, to direct deposit, I had to have my check direct deposit to avoid these fees! Then they started a fee of {$5.00} for everything! Every month I was calling about the {$5.00} they had changed me for no direct deposit!!! My check went in every month I got it!
This is Regions Bank!!! I no longer have them because they continued to take {$5.00} every month for ( XXXX ), no direct deposit!!!! Now that is what they said! I got fed up because I had to call every time I got my bank statement!
|
| 09/13/2015 |
Yes |
|
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|
Web |
|
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BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have an home improvement loan with Enerbank USA. I had a gas line and tankless water heater installed in my home. I have had problems from day one access enerbank to help with any issues that I have with access payment portal. I only received a call stating no payment was made and I need to pay XXXX dollars in full to bring account current. Payment was made but I have no access to online documentation. My loan account is being reported as a line of credit instead of a loan and affecting my credit harshly. I have reached out to credit bureaus as well as Enerbank multiple times to resolve this issue. There is nothing that has been done about this.
|
| 01/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.
|
| 06/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.
|
| 12/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
There were several unauthorized debit card transactions on my account from XXXX/XXXX/2015 to XXXX/XXXX/2015. On XX/XX/XXXX, XXXX transactions for a total of {$970.00} were unauthorized. On XX/XX/XXXX, XXXX transactions for a total of {$600.00} were unauthorized. I lost my card, and reported the card lost immediately, within minutes, of realizing that I had lost it. Regions bank refuses to return my money and blames me for stealing money from myself. It claims that " cardholder acknowledges PIN was not compromised '' when in fact the opposite is true. I live paycheck to paycheck and I really need my stolen money returned to me. What a horrible bank
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
COMDATA-CREDIT DEPT Inquiry : XXXX. XXXX, XXXX
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I will be eventually mobing my funds from Regions Bank after an attempted emptying of my bank account. I will have to go through the prolonged dispute process again and can only hope the infractionary account is suspended. I have done my best to protect myself, but when people have access to your debit card they will just use it to no avail. I am hoping the process is quicker this time and I can move my remaining funds over to XXXX XXXX. I am unfortunately on probation and the FBI tracks all of my online activity as one of the conditions. I would hope a temporary credit followed by a permanent in due order is expedient to rectify the situation.
|
| 07/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34 days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The following information Regions Bank is reporting on my credit report is false and inaccurate.
1. XXXX is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX.
2. XXXX is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID.
3. XXXX is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?
4. This account is not in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Regions Bank with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I deposited XXXX checks a month ago into Regions bank. XXXX check was from a car delearship for {$400.00} and the other was from XXXX XXXX XXXXXXXX for {$0.00}. The {$0.00} check was returned on my account because I had not noticed it was expired. So the bank decided to close my account. The {$400.00} check went through with no trouble yet they are still refusing to give me my money. It has been one month since I have not had access to these funds. I have asked repeatedly for them to send me the balance in my account like they said they would weeks ago. I do not have specific dates because they also locked me out of my online banking feature.
|
| 09/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
Hey I received my taxes income check on XX/XX/22. And I also tried to cash it at Regions banks the same day. I gave it to one of the bank tellers XXXX. And she verified my check by going on the website that is on the check. But she wouldn't cash it and never gave me an explanation and was rude when I asked why. But since Regions already verified the check and the 1 time code was already sent out Now I can't cash my check anywhere because the one time code was used by Regions to verify it. If you can please respond quickly I would appreciate it this is going to cause a lot of pain and suffering for my family if I don't get my tax income check.
|
| 07/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My name is XXXX XXXX XXXX my birth day is XX/XX/XXXX my claim number is XXXX my Ss number is XXXX..On XX/XX/XXXX I was rushed to the hospital because of XXXX XXXX XXXX I was kept to have emergency XXXX XXXX and was released on XXXX.I had up to10 family members to visit me and at my home why I was in the hospital, which one of them stole my bank cards and credit cards from regions bank and XXXX XXXX and maxed them out in different states, I turned in a police report to regions bank and my hospital discharge paperwork and they denied my claim.Im very distraught about this and seeking justice which this has caused me to have emotional distress.
|
| 04/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a letter from the Senior Vice President of Regions Bank FDIC, stating that on XX/XX/XXXX Regions Bank recently discovered that I XXXX XXXX XXXX was charged one or more Paid Overdraft item or Return item fee due to an Operational Error in processing certain merchant Check Card transactions made. He further stated it is possible that Assessing the Original fee may have reduced the Available Balance in my account due to one or more overdraft item or returned item fee, See Exhibit-A. This was Multiple Illegal Overdraft Fees carried out against me, with written Documentation from the Senior Vice President, XXXX XXXX XXXX.
|
| 12/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Received letter from Regions Bank XXXX XXXX XXXX XXXX, Al XXXX regarding a Standard Overdraft Coverage opt in for an account I did not have. Letter was dated XX/XX/XXXX and mailed to an old address of XXXX XXXX XXXX XXXX XXXX, Al XXXX. I do not nor have I ever had an account with Regions. I notified Consumer Protection and spoke with XXXX who said someone set up the account online. Last four numbers of the Regions Account Number is XXXX. Submitted forms requesting a fraud alert for the account on this day XX/XX/2023. I froze my credit with the three major credit bureaus and was advised by Regions to notify CFPB via Federal Trade Commission.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
A roofing salesperson ran my credit report ( hard credit check ) through Enerbank without my written consent. Enerbank violated my FCRA rights by allowing a credit report to be pulled without verifying that I provided written consent.
I complained to the company - who sent me a letter saying that the loan application was cancelled. I never applied for a loan. Enerbank who also used the name XXXX XXXX, pulled a credit report and opened a loan account without my consent.
As a result, my credit score dropped - which will impact my ability to get credit or favorable pricing on future legitimate applications.
This practice must be stopped.
|
| 06/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
I made an overpayment in the amount of XXXX through my XXXX XXXX XXXXXXXX bill pay on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX. and informed them of my mistake along with a request for a refund. I was told to send them a fax with my bank statement and once it cleared they would send me a refund, which I did everything requested on XX/XX/XXXX.
I have called each week since that time and they will lie and tell me its on the way. It will be deposited tomorrow. We don't do ACH deposits, we can only cut you a check. Well we'll deposit it the next day. I was disheartened with the lack of honesty and the fact they will tell a customer anything.
|
| 01/27/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
I have a checking account with Regions Bank, my roommate has account with Regions Bank.
I receive my roommate check on the 3rd of each month for rent. They have one Region Bank in XXXX, so it is very busy. So i asked Regions Bank if they have online deposited.
Well i went online to deposited the check into my account so i can pay the rent, it comes up 10 % fee to get the money immediately. That would cost me {$100.00} when we both use Regions Bank. Groceries have gone up, Medication gone up and gas as gone up. i been with this bank for many years, i cant understand why they are doing this with Covid 19 when so many people are struggling.
|
| 05/29/2015 |
Yes |
|
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Web |
|
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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.
|
| 02/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposit some checks into my bank account on XX/XX/XXXX I have a bank with regions account they put a hold on my account and told me they will hold the checks until XX/XX/XXXX and XX/XX/XXXX the checks has been released and they still havent taken the hold off my account or release my funds Im about to get put out the person who checks those was my girlfriend and her bank also called and confirm them checks was real and has been cleared for her account she bank with XXXX XXXX XXXX XXXX I have reached out them so many times cant get this issue fixed I also went inside a branch multiple times I still didnt get it fixed I just want my money
|
| 04/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
HELLO AS THEY ARE TREATED TO SOLVE THIS PROBLEM WITH MY BANK BANK REGION THEY ARE IN THE PROCESS OF CLOSING MY ACCOUNT ONLY BECAUSE I RECEIVED A CHECK AS I PAYED IT AND DEPOSITED IT IN MY BANK ACCOUNT BUT THE CHECK RETURNED BECAUSE I DID NOT HAVE FUNDS I DID NOT KNOW WHAT HAD PAID ME WITH A CHECK WITHOUT FUNDS NOW MY BANK SAYS THAT I'M TRYING TO MAKE A FRAUD AND IT IS NOT ALREADY I HAVE SEVERAL YEARS WITH THIS BANK ACCOUNT HERE IS WHERE I RECEIVE THE MONEY THAT DEPOSITS SOCIAL SECURITY FOR MY XXXX SON XXXX XXXX THIS ACCOUNT TO RECEIVE MY MONEY .... I NEVER TRIED TO MAKE FRAUD AND I HAVE TIME HERE AND NEVER HAVE THAT INTENTION THANK YOU ..
|
| 03/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I bank with regions bank in XXXX XXXX XXXX on XXXX XXXX and I keep noticing that my balances on my account change after through pending. They are charging me overdraft fees and I have a message that clearly says what my starting balance for that day is and my online banking shows different. I have told a lady that works at my bank that I've seen it happen bc I am constantly checking my bank account and she looks at me like im crazy and says I need to come in and show her when it is happening. I shouldn't have to get into my car when I get off work and go show her anything while it is happening and besides that its closed when it happens.
|
| 03/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.
|
| 08/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Permitted & PAID DEBIT CARD CHARGES THAT UNAUTHORIZED-OVERDREW FRAUD-ACCOUNT AFTER SPECIFICALLY DECLINED OVERDRAFT PERMISSIONS & OVERDRAFT PROTECTIONTHEN BEGIN CHARGING ONEROUS DAILY CHARGESoverdraft fees, taking ENTIRE PAYCHECK!!!!! Reimburse all funds taken by Regions after wrongfully paying charges that triggered insufficient funds after STRICTLY ADVANCED DID NOT WANT OVERDRAFT PROTECTION-or any overdrafts. As soon as reinstated overdraft fees, began accepting items that overdrew account-expeditiously getting paid for advances! I DID NOT WANT OVERDRAFTS FROM DEBIT CARD-SHOULD DECLINE!! INSTEAD TAKING MONEY I NEVER EXPECTED!! FRAUD!!!
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have business and personal accounts with Regions Bank.
I did call several times to inform them that I could not access my business account online and not sure why because my online profile clearly shows personal and business accounts but online my personal account opens. I asked them why my business account is active yet I couldn't access it online.
Moreover, I tried to withdraw money from my external trading account into my personal account but could not do it because they said : '' Regions Bank is blocking you from enabling external applications '' All these make it challenging to manage my account and do business with this bank.
|
| 11/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check written to me by my fianc four months ago. The funds left his account in my account was locked. I have not been able to receive these fun summing up to {$6000.00}. when I go in the branch, they say theres nothing they can do and to call XXXX. When I call, they tell me I need to go to a branch and its just a never ending cycle of people telling me theres nothing they can do. My money has been locked for XXXX months. All my credit cards are maxed out and this is my rightful money. Regions refuses to give me more information or even submit a ticket request and tells me to wait with no details of what I am waiting for.
|
| 12/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I deposited a check for XXXX into my business account. They put a hold on it for 10 days. Before that the hold was only for two days but they said I endorsed the check wrong. When I went to the bank they checked to see how it was endorsed and told me it was fine. They told me there was nothing that they could do to change it. When I contacted the bank of the person that wrote the check, they said they were not able to give out information to my bank on whether or not there was funding. My bank is Regions and the person who wrote the check has XXXX. When I talk to the person who wrote the check the money had already left their account
|
| 11/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I opened a check-in bank account in Regions bank in XXXX, Alabama. The account was working fine for XXXX weeks, but due to some issue, they closed my account without telling me. I am an international student studying in the US, I ordered something from XXXX from that bank debit card and I returned it back, so XXXX is saying the amount has been refunded but the bank is saying your account is closed, so there is no amount so contact to XXXX. And XXXX is saying contact to the bank they will provide you cheque, just provide the transaction id ; I provided the transaction id also but bank says that their is nothing where we can enter this
|
| 02/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
Two weeks ago I called regions bank about some disputes on my checking that I need to dispute, I had to call regions several different times, people failing to do their job, hung up, unprofessional, I had to call and talk to different departments and I had provided information about the disputes, nobody wanted or help and was lie to numerous of times when I called, I have been waiting 30 days so far, I called back in to get help nothing but the run around and excuses, Im fixing to close my account and go somewhere else I want my money back that belongs or me and Im tired of being treated badly by this bank, please resolve this matter
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX I received an email about a regions credit card offer. I applied and got approved the same day. The offer was {$250.00} bonus offer cash in for rewards with the regions visa signature card. Earn a {$250.00} cash rewards bonus when you spend {$1000.00} in the first 90 days. The terms at the bottom of the email state the award will be given after the 90 day period. Today is XX/XX/XXXX as of this message. I have contacted Regions via their customer service chat and they gave me vague answers on the amount of time ( 60 versus 90 days ) and its very confusing. They then acted like robots when it could show they were typing.
|
| 07/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
I am not able to make any kind of contact with my XXXX XXXX card of Regions Bank because I do n't reside in the XXXX any more and Regions Bank DO NOT provide any phone number that I can call from XXXX, the country I am resident now. Regarding internet, I do n't have a Social Security number, as I am XXXX. I JUST NEED A PHONE NUMBER THAT IS NOT XXXX! I can pay for the call. I need to question one debit and activate the new card, as the old one expires XXXX, but there is no way to contact them : ALL REGIONS informed phones are XXXX. In the past It was possible to call my Regions Bank branch, but they do n't care this matters any more.
|
| 06/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My wife and I went to XXXX, MS Friday XX/XX/XXXX through Sunday XX/XX/XXXX. Saturday I woke up and checked my bank statement. It showed 4 charges that I had no idea about totalling XXXX . We immediately cancelled the card and reported it as fraud. One charge for XXXX $ was from a XXXX XXXX. Second charge was from XXXX and it was XXXX . Third charge was also from XXXX totalling XXXX . Then the fourth charge was a XXXX $ XXXX charge which neither my wife or I have ever used. It has now been 3 weeks since we filed the claim. The claim was rejected then we appealed it. They aren't budging on clear fraud charges and I am at my wits end.
|
| 03/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
Regions does Not provide me ACCESS for my profound. XXXX and XXXX XXXX XXXX. see attatched XX/XX/XXXX letter. Regions requires an IDENINITY Theft Kit on line Or go into a branch office to fill out. I CAN NOT WRITE OR SIGN. REGIONS PROVIDES NO ON LINE MOBILE APP ACCESS because I am XXXX. I AM IN A XXXX XXXX DRS ORDERS XXXX. I HAVE REPORTED ID THEFT WITH FTC case XXXX XX/XX/XXXX following the FTC. gov web and the ID THEFT. gov web AUTHORITIES GUIDELINES. Regions requires coming to branch or go on line for ADDITIONAL REQUIREMENTS NOT REQUIRED BY AUTHORITIES. Regions is Not ADA ACCESSIBLE. AS my ID Theft Report EXPLAINS XX/XX/XXXX.
|
| 03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Comdata Universal Mastercard - BUYER BEWARE!!
Have been using Comdata Universal Mastercard fuel cards for the last three years in my XXXX XXXX delivery business. For the last 7 weeks they have been adding a high risk transaction fee of {$75.00} per week to my invoice along with a {$22.00} per week fraud protection fee. I call to have it removed which they do, telling me that is a mistake. Each week I have called again and again.
Now I am very frustrated because they can't fix the recurring problem and it take 20-30 minutes on the phone each week to resolve. Needless to say, I am looking for another fuel card service provider.
|
| 01/14/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.
|
| 12/17/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
My bank has forced flood insurance for 3 years in the amount of over {$5000.00}. I was incarcerated at the time. I have gone through FIMA and have gotten off the flood map. They have put this on the back of my mtg.. I'm a XXXX veteran and can not get a loan through the VA or any other bank as they are holding me XXXX for this money. The fees are extremely excessive. They don't answer their phones. I can't even get a record of the fines and penalties broken down. This is Regions Bank. They lost a {$50.00} XXXX dollar settlement in 2016 for doing the same thing. Please help me with this as I'm at my wits end. Thank you in advance.
|
| 11/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
My debit card was compromised and I reached out to Regions bank to cancel the card and send a new. Once the new card arrived, I activated and locked it. While the debit card is locked, unauthorized charges are going through on my account. Each transaction, be it big or small, Regions charged me {$36.00}. So within a short period of time, Ive amassed close to {$200.00} in OD fees. I reached out to Regions to see if I could get some of the fees waived because its extremely expensive and everyone is having a hard time amidst this global pandemic. These transactions were unauthorized and regions is refusing to waive any of the fees.
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I opened a Regions Bank XXXX, Alabama account online in the last week a XXXX XXXX account. I called them today XX/XX/XXXX about other matters and simply asked about if I decided to close the account in the future do I need to go into a branch since I did not see a closing option online. I was told that a " {$25.00} charge would be assessed on any account open for less than 180 days ''. I have the printout of the " Personal checking, Money Market, savings, Time deposit & IRA accounts Pricing schedule '' ( effective XX/XX/XXXX ) on opening the account and nowhere is that charge mentioned. I think that that may be consumer fraud.
|
| 01/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am an attorney representing a personal representative of an estate. The estate owns the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Regions Mortgage holds the loan on this property with a principal loan balance of {$37000.00}. A foreclosure is not pending.
On XX/XX/XXXX XXXX XXXX XXXX XXXX Regions Mortgage XXXX XXXX XXXXXXXX XXXX unlawfully took possession of the property, changed the locks, put up a sign on the interior from XXXX and put a lockbox on the front door without notice, authorization or any basis for doing so. I have sent the attached letter to Regions Mortgage counsel, XXXX XXXX XXXX.
|
| 01/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
We closed a refinance mortgage and 1st is we didnt recieve any copies of the loan papers 2nd we signed and auto withdraw with the same bank ( Regions ) but they stated we didnt but no copies of documents 3rd they stated they sent billing statements which we never received 4th only correspondence we recieved was was a notice they sent lack of payment to credit companies 5th we tried to fix with them and they denied any cupibility which again no documents 6th when recieved notice called and paid up to date and filled out anto draft document 7th they stated they called us but never left message because our phone said a scam call
|
| 02/27/2016 |
Yes |
|
- Advertising and marketing
|
|
Web |
|
|
I applied for a card with higher credit limit and was offered a card with a lower limit. During the application process I was told by the banking manager that my application needed further review to clear a credit exception. At that time, I was told my the banking manager I would be approved because she has a relationship with the underwriter due to the credit issue being mine. It was a minor collection that was misreporting ( currently now being disputed ). The issue is I was told by the banking manager that I would be approved for the original card request however approved for a card with a lower credit amount and features.
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.
Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.
|
| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On or about XX/XX/XXXX I was told by Regions Bank I do not get my funds that were wire transferred until next day XX/XX/XXXX as my account was unfortunately overdrawn by {$4.00} although I sold my house and funds were over {$40000.00} wire transferred now I have my XXXX kids and myself can't get a hotel tonight and bank said maybe they will be available at XXXX XX/XX/XXXX bank did not care I am in a hardship with no funds and kids who need to sleep and go to school on XX/XX/XXXX although they have my $ XXXX and this also being a national pandemic COVID-19 that is such a shame for a bank to treat a customer in this manner!!!
|
| 04/07/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank.
This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.
|
| 01/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
REGIONS BANK had the wrong address on file for me which I corrected my address on my online profile.
I requested to have a debit card sent to my correct address and they are saying I have to come to a branch to speak with a banker.
I work XXXX to XXXX from Monday from Saturday and I can not afford to take time off work am already in trouble at work for missing a day when I went to sign up for Regions Bank .
I need to get a debit card sent to my address on file immediately! I recently set up direct deposit and so now Im going to have all my money going to my Regions account, but I don't have a card to spend my money!
|
| 06/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
In XXXX of this year, potential new client attempted to pay me with a {$1500.00} check I deposited, Just to make sure, I did not cash this check but did not draw upon whatsoever. I simply waited the 10 days and when it came back no good believed I had dodged a bullet.
However, Regions Bank saw it differently and my online access has been locked. My account has been frozen. I have been to multiple branches in person, attempting to get access to my accounts and still cant get access to my account. The account has direct deposit going into from time to time but I can not get anyone in that organization to release the hold.
|
| 02/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I made a purchase for a pair of sneakers for my daughter through XXXX with an online seller. I never received the shoes and I paid the seller {$150.00} through XXXX. When I contacted Regions to file a claim, I was told unfortunately I am out of luck. The only way they would complete a claim is if it were a debit card transaction. I explained that I had not received the product but the representative stated it didnt matter because XXXX is a third party. XXXX is helping people crooks steal from innocent, hardworking people. It is not fair for someone to take money from me and I do not receive the product/service in return.
|
| 12/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Regions Bank of XXXX, GA has allowed my estranged husband access to my personal checking account without my authorization. They provided a receipt to him with after he made a deposit to that account. I have requested that NO ONE be allowed to access my account in ANY WAY without my authorization and was refused this, the bank stating anyone can deposit money into my account if they provide an account number. He does have the account number as I was required by law to provide it to him, but it was not to be used by him at any time. This was also discussed in a legal negotiation in which he was told this was n't permitted.
|
| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I used my card for the wrong transaction my account was charged XXXX I put in a claim and it was denied they never researched I spoke with the merchant and got email that the money will be refunded back to my account on XX/XX/XXXX the money was pending to the bank but now they claim its still not there and wont issue me a credit keep telling me will be XXXX 5 day wait but had they investigated and didnt deny my claim I would already had the money in my account Im XXXX and live on my money so this is hurting me to keep on waiting I tried to open accounts in other banks it will not allow me so Im stuck with this XXXX bank
|
| 07/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Regions Bank has reported we paid are Home Equity line late XXXX times in the last XXXX months. They said they only show that they reported XXXX times that we were late and they agreed to remove XXXX of them. It has not been removed, we have had nothing but problems with them and have moved are personal banking from them some time ago.
We paid off the line due to the fact we had a house fire at the home and are looking to rebuild. Of course Regions is causing another problem. I would just like the problem brought to a close in a timely manner and i know without the help from the CFPB it will not be brought to a close.
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Dear Regions, I have been a customer now for two years leading into three. My account has been affected in overdraft charge fees for XXXX. Ive had to call multiple times in order to understand the reason for those charges. I am a fan of Regions, however, I have thought about leaving and going to another bank because of this same reason. Ive had to change stipulations on my account and became upset with Regions employees because of charges made on my account. I had no idea that top Regions officers were making those illegal charges to accounts and my account just so happened to the affected by it.
Sincerely, XXXX XXXX
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened a checking account online and deposited {$3000.00} with the pretense that I would receive {$300.00}. The checking account type was not available online so I picked the one that was available but since it is not the right one i will not receive the {$300.00} nor will they let me close the account because it needs to be open for 6 months. Secondly i can transfer money into their account but for me to transfer money out it will cost me {$3.00}.
The advertising that they had was not clear and offering multiple checking accounts is deceptive especially when they steer you to one that is not part of the promotion.
|
| 03/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
BP Master Card I am being charged excessive HIDDEN fees. I was charged {$2100.00} in late fees in the last two months owing a small amount. I logged in shocked to find my available credit was only {$250.00} after paying over {$2000.00} my line is {$4500.00}. I look online cant figure out whats wrong talked to 4 representatives just to find out there was a late fee of {$800.00} and {$1100.00} that I couldnt even see. The fees are excessive they will not waive or assist. With all the money paid to the card was literally taken all in late fees. How come these transactions are not posted on our dashboard they are hidden?
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}.
I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present.
Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In early XXXX we received a statement showing a payoff amount and due date of XX/XX/18. Regions bank proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts.
This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired.
Thank you!
M
|
| 07/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022 At around XXXX XXXX I went to the region ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I used my debit card to deposit Cash to my business I deposit {$1400.00} in cash the ATM took the cash the atm said Payment retained Transaction canceled each time I tried to print a receipt the atm said transaction canceled. Regions Atm took my money. Regions can count the machine and see the machine was over plus there's a video recording showing I made the atm deposit. I'm not sure why but I'm having a hard time getting my {$1400.00} back when the atm took the money and did not deposit the money into my account
|
| 06/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I opened up my Regions bank checking account in XXXX GA on XX/XX/2021 and everything was fine, the minute I went down south on a job assignment for the XXXX for a few days and deposited XXXX $ into my Regions account yesterday afternoon on Friday XXXX, one of the employees fraudulently called in and posed as me and had my account frozen for NO reason. It was discrimination. They asked me what was my business in South Carolina and I told them I was on A XXXX XXXX XXXX and they waited 24 hours then froze the account Saturday morning XXXX. They faked a call from me to the help desk and had it frozen for no reason.
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| 08/03/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I've been off from work with and work injury to my arm since XX/XX/2018.
I've requested a mortgage modification because I'm unable to work.
I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my mortgage
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| 01/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XX/XX/2016 I was charged XXXX NSF charges in which I should have only been charged for XXXX. A XXXX dollar charge was presented which left me XXXX positive after which a charge of XXXX came in from XXXX which caused me to overdraw my account. However, with the extra charge of XXXX dollars caused my account to have a domino affect over the next few weeks which caused over XXXX dollars in overdraft fees. I went back farther in my account and this is not the XXXX time they have done this but this time it just caused a lot of problems and was very inconvenient being that it all happened during the holiday season
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
I have XXXX accounts present on my credit report that have violated these laws.
XXXX XXXX XXXX XXXX XXXX Regions Bank ( Credit card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I went into the bank after depositing a check for {$500000.00} and {$6000.00} to finance a transaction for a vehicle, I also had a letter of credit for security collateral and a finance statement from the Secretary of State to update my files and to begin consumer transactions. I was immediately denied and told that Regions Bf its Affiliates does not provide those types of services. She them called the police on me and had me wrongfully arrested.
I have documents for regions, the federal reserve, FDIC, Comptroller of Currency, SEC, and the Treasury. I authorize you to send those documents to those agencies.
|
| 09/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I deposited a insurance check into my account in XX/XX/XXXX. Regions notified me they were going to hold the check for 3o days but they had already received the funds from my insurance company. Regions charged my bank account an excess of over 1000.00 in overdraft fees because the check didn't have the signature of the company that did the repairs on my car. The repair company tried to have them release the funds but they wouldn't. I paid the automobile repair company then had to have them credit my account because regions wouldn't release there money that has already been cleared from my insurance Co. Bank.
|
| 12/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. I had a positive balance in account as of XX/XX/2016, made several transactions from account on the XXXX. Checked balance on the XXXX which showed positive balance after those transactions of the XXXX. Made an ATM withdraw on the XXXX which put account into negative status and understandably incurred an overdraft fee. Checked account on XXXX to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee.
|
| 08/16/2018 |
Yes |
- Checking or savings account
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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On XX/XX/XXXX I went into a branch and made my payment. The account had a XXXX balance and it was just paying a annual FEE. I told the manager that I was told the money was supposed to be with drawn from my savings account which has plenty of funds to pay the 1 time {$25.00} fee they charge me a year. I told them to please pay my account and any Fees if had any. They took the funds from my savings account and said I had a XXXX balance. 2 months later they said I did not make my full payment and charged me another {$58.00} dollars and took it from my savings again and reported me late to the credit agencies.
|
| 10/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Servicemember |
|
I thought I was talking to a high school Class mate on XXXX XXXX. She was offering XXXX trading. So I invested some money to try to make alittle money. XXXX XXXX. Come to find out her XXXX was hacked and these people are scammers. I transfered sums of XXXX and then XXXX and XXXX because I was told I had to be invested XXXX to withdrawal. Now I have been trying to withdrawal and its the run around. They want me to pay to withdrawal my money. I contacted my bank and they put the transactions into a process where they will give me my money back due to authorized push payment policy. Which is taking forever.
|
| 04/11/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.
|
| 11/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My bank information was stolen and someone logged into my account and tried to send money to overdraft my account illegally..so I called regions and they told me there was nothing they were gon na do because the person logged in with my information insinuating I was involved with this..so ever since then I have not been able to open with any bank..also when I asked can u send me why Im blacklisted they sent a paper that says XXXX XXXX XXXX told them not to..then in the same paragraph said thats not what they used to make their decision..I just want a proper explanation because I really need a bank account
|
| 09/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have attached a copy of my FTC complaint stating the Regions Bank & XXXX XXXX XXXX XXXX are fraudulently reporting negative items on my XXXX report. I spoke with XXXX XXXX and she stated that they have not received the updated FTC report that I sent through the CFPB on XX/XX/2019. They simply closed it without putting in any further notation. I am once again attaching the documents as well as mailing it to its office at the address below. I demand that XXXX takes this complaint seriously and remove the items from my credit report. I will also be forwarding this to the FTC.
XXXX XXXX XXXX XXXX, PA XXXX
|
| 07/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
On XX/XX/XXXX i seen an add showing that i was pre approved for {$20000.00}. So I applied the company regions bank. After putting in all documentation needed they sent an e mail showing that i had funds awaiting for me. Then got a letter saying that i was denied. The company couldnt give me a valid reason as to why they denied me and told me they couldnt give out that type of information. So they lead me into a false ad that not only hurt my credit score but made me feel horrible as a consumer. They violated me and since they didnt give me an answer as to why it was discrimination section 15 U.S.C. 1691.
|
| 06/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
We opened an account at regions early XX/XX/2021 they had a promotion of XXXX $ for new accounts with direct deposit, my wife requested with her job the next week, fast forward I went into branch they said we should have had the direct deposit within 30 days we missed it by a week I called to talk to a supervisor XXXX no luck, said they are sticklers, I just think it is a bait and switch they got us to open the account and oh sorry you missed the direct deposit by a week or two, it couldve been on there side or theres this COVID thing where everything is slowed down I think they should honor there promot
|
| 02/27/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I opened a checking account with Regions that is a business checking account and to get no fees on the account I opened a merchant account with them also. There were to be no fees associated with the Merchant account unless I used the account. The merchant processor has repeatedly charged me a fee for using them and has constantly stated that I had to do the PCI Compliance or be charged a fee and I have done the PCI Compliance. I have tried to be nice and work with both but neither are working with me. Also, Regions has been charging NSF/Overdraft fees and I have no record of why these are being charged.
|
| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
With no prior written notice, Regions Bank closed my credit card, harming my credit score. I had been a cardholder with them for 18 years, all in good standing. Apparently I had not used the card over the past 24 months. Regions never sent me any correspondence regarding any inactivity. Without any notice, I received a letter from them informing me of the account closure. I think Regions Bank is having trouble attracting deposits and they are systematically closing account lines of credit. While I understand their right to do this, they should give proper notice and not harm consumer 's credit scores. A
|
| 01/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
A week before XXXX XXXX XXXX XXXX i went to the Regions Bank in XXXX XXXX XXXX, Fl. I proceeded to deposit money into the ATM and a security guard saw the whole thing happen. The ATM gives me an error and i go inside the branch to get help. They provide me with a phone number and case number to call and speak to customer service. Weeks and months go by of me calling and no representative being able to help me. I call the branch and no one is able to help me. They just tell me to wait. I should be able to trust my banks atm, not fear it swallowing my money into an empty pit for me to never receive again.
|
| 05/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Over draft fees due to fraudulent charges. Submitted a claim with Regions Bank. This has happened to me numerous times with Regions and they are theft out of my account. Regions has never returned stolen money. My question is why is the FDIC insuring the customers money when they dont follow that law??
Every other big bank in the US does a much better job at protecting and replacing stolen money. Apparently Regions Bank gets away with this protocol and the US Government does nothing. How many Class Actions suits are against Regions? I am sure I am not the only one. Please contact me at+XXXX, XXXX XXXX
|
| 07/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Regions bank is my current mortgage company and when i applied for the loan my LTV was above 80 % so PMI have to be paid. After 1 year paying mortgage plus the increase of the property value my LTV is now around 75 %. I called consumer services they told me that a fee had to be paid to cover the due diligences they had to do, which was fair. One month later they returned the payment of the fee alleging that i had to be making payments for at least 24 month before requesting this review.
This is totally illegal and abusive. Why should i be paying a PMI when based on the law is not required.
Thanks
|
| 08/31/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On XX/XX/2016 I deposited into my checking account an amount ( approximately {$75.00} ) to bring my balance to XXXX in order to close the account. Same day I made a follow up visit to the Regions bank branch office and met with Regions employee XXXX XXXX in order to assure account was closed.
Regions beginning on XX/XX/2016 posted a series of service charges in excess of {$400.00} to the account which was closed previously on XX/XX/XXXX. Subsequently they seized {$400.00} from my now card account to retire these erroneous charges to a closed account.
I need the {$400.00} reinstated to my now card.
|
| 02/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Made a check deposit on Saturday XX/XX/XXXX for {$180.00}. Monday was a bank holiday, so many were closed. I called a regions banker on XX/XX/XXXX and she told me my funds were suppose to be available that same day, she told me to wait at the end of the day because ( and I believe this is regions way of creating unbalanced checking for their consumers that decided to bank with them ). Well as of XX/XX/XXXX my funds are still pending. So it's been 4 days and 1 full business day since I made the deposit on Saturday. So this process is on purpose and it's pointless to hold such a small amount in limbo.
|
| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I have tried for the last week to close my Account with XXXX XXXX issued by Regions Bank. Most of my calls end up on unending hold or I just get cut off. Today 's call was a transfer to the " Disconnect Department '' and then, after waiting on hold for a while, I got disconnected. This started out when I found out they were charging me {$10.00} per month for a card that they told my wife was free. So I see that as deceptive practices or outright fraud. All I want to do is close this account. I have zeroed out the balance by paying over the phone, that is the one thing that did work over the phone.
|
| 10/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
My home loan just recently got sold to Regions bank from XXXX. I contacted Regions bank to day to try and close / release my escrow account so I can pay my own taxes and so on. They told me that I need to pay a fee of XXXX XXXX of the home principle balance, that works out to just about {$500.00}. The bank I left and my loan terms do NOT state a fee to get out of the escrow account. I don't think it is right a bank charges a fee to close an escrow account. It is like they are penalizing for closing this and I don't see how a fee to do is legal and morally right as a consumer I feel this is wrong.
|
| 10/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed my Regions account ( personal loan ) through the credit bureaus and i tried contacting Regions, but all the phone # s do not work.
Regions Bank has been incorrectly reporting the closed date of my personal loan since it was included in bankruptcy last XXXX.
The actual closure date was XX/XX/XXXX ; at first, regions Bank put the closed date as XX/XX/XXXX, then XX/XX/XXXX, when I disputed it at the time, and now Regions reports the closed date ( as result of a dispute ) as XX/XX/XXXX, which caused my XXXX credit score to drop by 15 points as it is seen as a recent delinquency.
|
| 06/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.
|
| 01/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received a promo mailer for {$200.00} to open up a new checking account ( which is attached ). I went into the branch with the mailer and opened the account. Before leaving I verified that I had met all the requirements to receive the bonus, which the account rep verified. It 's been over a year and I have not received the bonus. I went in to the branch twice to ask why it has n't posted and they could n't tell me why, but said they would " look into it ''. I also called the customer service number and submitted an online secure message through Region 's website and received the same response.
|
| 11/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Regions Bank Closed my account and charged it off. I rented a XXXX a year and months ago, I paid the amount that was supposed to have been paid. However due to a mixup in trucks, XXXX charged my card over {$800.00} dollars. I tried to dispute it with Regions, they would not let me dispute the charge. I thought the bank I trust with my money was supposed to protect my funds. They tried to force me to pay them over {$800.00}. I refused, so they not only closed my account, but they have sent it to a collection. For an amount of {$370.00}. These are unethical practices for a financial institution.
|
| 08/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I wired in three payments from my bank Regions bank a total of {$150000.00}. The last one was XX/XX/2023. I found out it was a scam after I tried to withdraw money and the company called XXXX told me through the customer service chat I needed to pay 10 % upfront to get any money. I googled XXXX and spoke with the fraud division and was told it was a scam. I filed a police report, notified Regions bank, FTC and now you. Regions told me they did not have insurance for this because they used the information I gave them, they did request refund from the other bank but I haven't heard anything yet.
|
| 10/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I honestly think the bank picks and chooses when they'll accept or deny transactions for automated payments. Since having this checking account in XX/XX/, I've had more than one overdraft fee posted to my account. I contacted the bank more than once to request of having fees waived or refunded. They've only one it one time for {$36.00}. They've made over $ 1,000+ dollars in overdraft fees alone and I just started back working again after being unemployed for over a year. By this time next month, I'm transferring my money to a place where I'm not charged overdraft fees and can hold on to money.
|
| 03/08/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.
|
| 06/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new checking account with Regions Bank on XX/XX/XXXX by using a promotional offer that I received from Regions Bank. I have already met all the requirements of this promotional and have kept the required $ XXXX balance in the checking account for more than 120 days. Based on the promotional offer, I am supposed to receive {$1500.00} bonus in my account already. However, so far this {$1500.00} bonus has not been posted to my account yet.
I request Regions Bank to post the {$1500.00} bonus to my checking account based on this promotional offer immediately without any further delay.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had set up recurring payment on their website twice for the credit card payment, the first time didn't work, and I called and pay the late payment, second time I set it up, this time to be sure, I wrote down a confirmation ( # XXXX ). but two months later, my credit report shown up a 60 days late on the account and had greatly impacted my score ( down 60-80 ). I called the credit card company and the representative had put an note on the account and told me the only way to get that out on my credit report is to file a complaint, and she had put notes on the account to help with the process.
|
| 12/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.
|
| 01/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XX/XX/2019 - {$72.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$180.00} - NSF OD Fee XX/XX/2019 - {$210.00} - NSF OD Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Overdraft Fee XX/XX/2019 - {$36.00} - Returned Item Fee I was charged a total of {$1000.00} in bank fees for unauthorized charges ; Regions moving funds from this account to another account when it would overdraw the account and applying bank fees for pending transactions that were never posted to the account.
|
| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.
|
| 07/12/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I recieved an email offer ( as shown in the attachment ) which offers me {$400.00} after required activities. On XX/XX/XXXX, I went to a Regions bank branch opening a new checking account. During application I showed branch rep the email offer I had. I completed {$1000.00} deposit within 30 days. On XX/XX/XXXX, I haven't received the bonus so contacted the Regions customer service and ticket # XXXX was created to research on the issue. They promised to give a resolution within 5 business days. On XX/XX/XXXX, the XXXX timeline has passed but I haven't received any reponses.
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
Went to the branch with a copy of the front & back of paid item showing it negotiated by a party other than the payee. Requested that they return the check for lack of a proper endorsement. The manager stated it was not the bank 's policy to return the item and that the " injured party '' or payee had to come to the bank to file and notarize an affidavit.
This is my company 's trust account. The funds were due the payees per a contract. The bank is allowing an illegal act to be perpetrated by not returning the check to whomever accepted it from the party to whom the funds were not due.
|
| 06/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.
|
| 03/27/2015 |
Yes |
|
|
|
Web |
|
|
XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA.
I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.
|
| 08/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.
|
| 03/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected.
Accounts : XXXX XXXX XXXX XXXX
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Attempted to pay a balance in full with Enerbank on XX/XX/23. Paid balance listed on last statement as well as the amount shown on the Enerbank website. Received a statement dated XX/XX/23 which showed a balance of ~ {$500.00}.
Called to see how/why this balance existed since the listed balance was paid. Was told that the amount due was related to past interest which wasnt factored into the balance as well as interest accrued from the statement date ( even interest compounded daily wouldnt equate to this amount ). Stated a manager would call me back but have not received a call.
|
| 09/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was over charged by XXXX XXXX they charged me XXXX dollars and sent me a bottle of XXXX cleanse instead and charged me for it too. I didn't even order it. The bank put the money in my account twice and took it back twice. They said they showed documentation that they sent me 5 bottles of XXXX XXXX. I never received them or they would have went back to the company. Now the bank refuses to help me. I didn't know it was a scam. I will never order nothing from them again. No one would listen to me I got so frustrated with the bank and XXXX XXXX. One was telling me to call the other.
|
| 11/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I was informed that my Regions credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.
|
| 02/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XXXX {$72.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$100.00} I talked to one of there the banks representatives at Regions Bank, about this accuring issue , and she sounded like if she was upset in talking me about this issue. They told me they were going to reverse the issue and they issued me a new card. But, they just setted me up for financial failure. I would really like to either resolve this issue or close my bank account entirely. And, return 'ALL ' my paid overdraft fees, for no fixing the issue on the first attempt.
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XX/XX/XXXX an unauthorized transfer from my checking account to my credit card happened. I believed i canceled this transaction on XXXX. This is the second transaction that moved between accounts. I contacted the bank stating this was unauthorized and needed to be reversed.
the bank did not allow me to access the funds until XX/XX/XXXX. I spoke with multiple representatives in person and over the phone. I do not think i was properly verified or properly transferred.
The bankers stated they have no record of previous interactions and i had to follow up to remedy the situation.
|
| 11/16/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did.
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY in the amount of {$300.00}.
On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$630.00}.
On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$650.00}.
|
| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for covid mortgage assistance in XX/XX/2021. I was approved in XX/XX/2021. I signed papers with XXXX for their assistance. They took too long to pay it out and the quote went stale. They then asked Regions mortgage to resend the new amounts and how much is due on my account. Regions has told me over and over again that they have submitted this information and XXXX has continued to say that regions has not provided this information. I am a XXXX XXXX and lost my employment. I just need help getting my lender to do what needs done so that I can receive the assistance.
|
| 06/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
A {$740.00} refund was sent to my Regions bank business account on XX/XX/2022 from XXXX business. The owner of XXXX, XXXX, has documented the cash out of her account and should be refunded to me. Our communication is attached showing she agreed to refund, money is out of her account and the routing number confirming the refund was sent to Regions bank.
Regions bank claims that they have DENIED the {$740.00}, It is not in my account and they have not credited it back. Regions has been denied to credit it back.
XXXX has not got the {$740.00} back either.
Where is the money?
|
| 01/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX of XXXX I called regions for forbearance due to corona. I called monthly, or due date to let them know status didn't change I was still unemployed as they requested. I was told over and over i would not have to pay total amount during hardship that payments would restart after the months of forbearance were used. On XXXX the day i came home from my brothers funeral I was called and told if I did not pay XXXX by XX/XX/XXXX foreclosure procedues would begin. I had recently cashed in my 401k and was able to pay but now have nothing and am still unemployed with no benifits.
|
| 07/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Regions Bank, Recently I filed two claim ( s ) for unauthorized purchases on my check card, and they were immediately denied requesting supporting document.
I would like my money back and ask that the CFPB step-in and assist me, in retrieving my money.
Claim ID ( s ) : XXXX & XXXX Dates Filed : XX/XX/2020 I would like proof of how it was investigated, how you determined that they were valid charges, and proof that they were actually investigated otherwise I will be taking more steps.
I ask that the money be returned to my account immediately upon reviving this notice.
|
| 01/30/2017 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people.
I want the {$20.00} " fee '' returned.
|
| 06/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I have a XXXX checking student account with Regions Bank, and I have been charged {$10.00} a month even though I am under the age of 25. These monthly charges began in XXXX XX/XX/2019 and was resolved today. However, I would like a full refund on the money that was charged. I was told I could only be refunded {$30.00}, but I was charged {$180.00} in total.
I did not know I was being wrongfully charged until a regions employee called me saying I was being wrongfully charged. The reason for this is because I emailed the company and they said I was being charged correctly.
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are incorrect bills being reported to my credit. 1 ) Regions Bank 2 ) XXXX XXXX XXXX, ( a debt collector for XXXX XXXX ) The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.
|
| 03/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On Sunday, XX/XX/XXXX, I received a text alert that a transaction of {$50.00} had just occurred on my debit card without my approval. I checked my account and saw that a {$50.00} XXXX gift card was purchased online using my account and was sent to someone ( recipient of the gift card was listed as e ). My XXXX account had been hacked. ( I have not given anyone my email address, password, or access to my XXXX account ) .A few minutes after I discovered this, I called Regions bank to file a dispute. I called today, XX/XX/XXXX, and they deemed the charge to not be fraud.
|
| 06/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account on XX/XX/2023 at Regions Bank at XXXX XXXX XXXX, XXXX, TX XXXX branch after registering for the promotion of {$300.00} bonus at webpage XXXX XXXX XXXX XXXX. When I opened my account, I confirmed with the banker that the promotion has been applied to my checking account. It has been 3 months, and I have met all the requirements for the promotion. However, the bonus still hasn't been paid. So I chatted with Regions Bank online banker through its website and the banker informed me that the above promotion was not applied to my checking account.
|
| 07/08/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was scammed by someone I meet on XXXX. The scammer had previously ordered checks in my name under Regions account. On XX/XX/21, the scammer requests me to wire money to a Regions account.
Account Name : XXXX XXXX XXXX Account number XXXX routing numberXXXX I am not a regions bank customer. Region bank customer refuses to take my request to freeze the customer account because they are not allowed to pull the account up. Customer service requests me to go online to file a complaint. Regions Bank bank lack area in their website to report fraud against regions customer.
|
| 07/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.
|
| 12/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded.
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
Regions bank regularly uses unfair accounting practices when direct deposits post at midnight usually they will run the outstanding debit charges first despite the pending deposit posting at the same time ; They will run the charges then count your deposit. It is unethical and almost criminal that they would do so, but it is clearly designed that way in order to incur NSF ( Non-Sufficient Funds ) charges on customer accounts. They have done say to the tune of over {$750.00} the past year despite my complaining and confronting them regarding this devious practice.
|
| 03/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
Purchased sample XXXX products. The next month ( XXXX ) I was charged {$89.00} and {$89.00} for products that were not received. Notified Regions bank that they were not authorized transactions. The bank said they would file a dispute. Tried to contact the company charging my account but could not find out who they were or a phone number or email address. Now it happened again in XXXX. Same amounts. Regions bank customer service now states that there is no dispute filed on the XXXX transactions and that they can't do any thing about the unauthorized transactions.
|
| 08/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Regions bank has sent documentation that they were closing my bank account in 10 business days and issuing me a check for the remaining balance in my bank account. It has been over 30 days. I have had no access to any funds in my account. Theyve instructed that my funds are not on hold just my bank account. There letters to me instructed that the account will close with ten days of the postage letter and funds be mailed to me in a check. Ive contacted numerous branches no one can help. I need my money now. I am going threw a extreme hardship with a XXXX fianc.
|
| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
30 day Late Payment for XX/XX/2020.
Regions Financial Corporation / Car Loan Due to Covid. During the beginning of the pandemic I was working seven days a week & all hours of the day due to being an essential worker.
I have called twice and sent two letters ( one to the EVP of Customer Relations and one to the Credit Monitoring Dept ) explaining the reason for my late payment. All four times I am told that this is correct and they will not do a " goodwill removal ''.
This is the only late payment that I have had in almost three years. My account is current.
|
| 10/17/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX.
I do n't live at that address and I never have.
|
| 04/29/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
I currently have a XXXX XXXX XXXX Account with Regions Bank. 3 months ago I opted out of Standard Overdraft Protection because I am on a fixed income only receiving {$650.00} per month SSI benefits. I have contacted the companies that I had recurring monthly fees but my requests have been in vain. I have been charged for overdraft payments and fees which leave me financially incapable of paying for the basic necessities. I thought that opting out of the Standard Overdarft Protection would result in insufficient funds for anyone trying to send a payment through.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Hi, in XX/XX/2019 i talked to a company about XXXX.
They told me my payment would be around {$200.00} a month. I never got any final paperwork to sign or how much my loan and payment would be.
Next thing I know Im getting calls from a bank telling me I owe them {$69000.00} and {$300.00} a month till Im XXXX XXXX XXXX.
The signature on the contract is not mine. And I never signed a loan agreement from the bank.
I disputed the loan with the bank. They investigated and said I still owe the money and no fraud was found.
Please help?
XXXX XXXX XXXX XXXX XXXX
|
| 03/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
XXXX. XXXX 2023 my house burned. My insurance company XXXX XXXX XXXX sent me two checks for XXXX and XXXX. I deposited the checks into my banking account with Regions in XXXX, Tennessee on XX/XX/2023. Regions held the checks until they proved the check were good. The checks were deposited into my banking account XX/XX/2023. On XX/XX/2023 regions bank decided to take out my checks putting me a - {$19000.00} in the hole. Today is the fifth day of me being promised it will be fixed and it is not yet. I and XXXX XXXX XXXX agent XXXX XXXX has done everything ask.
|
| 05/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I have opted out of the overdraft protection with regions Bank for several years and they continue to charge me multiple fees even though I've been opted out. They have also moved charges dates to cause my account to overdraft. I have called on multiple occasions to resolve this and only been refunded two or three times but this has occurred 20+ times over the course of years and has taken thousands of dollars from me. In some cases, causing me to miss payments for bills which has caused stress on my family and on a few occasions, affected my credit score.
|
| 06/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
In order to earn the {$300.00} bonus, I opened a new personal life XXXX XXXX XXXXXXXX in Regions Bank in XX/XX/2021. I carefully met all the requirements set up by Regions Bank. For some reason, I have not received the bonus, yet. I called Regions Bank and was told that I only fulfilled XXXX XXXX requirements and failed to meet the XXXX XXXX My question to Regions Bank is : How should I miss the XXXX XXXX when I opened the XXXX checking account especially when I wanted to earn the bonus? The fact is Regions Bank lied and tried not to give the bonus to me.
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
Received text from fraudulent company using phone number XXXX XXXX Text included following message.
Regions Free Msgs : Your online banking was locked due to iregular activity. To restore please verfy here : www.region5-protection.club This was the actual text with the incorrect spelling. The worst part is I dont have a regions banking account. This is obvious fraud and I felt the need to report it before someone gets scammed by these very sloppy spellers. Also interesting was the use of .club instead of .com or .org. Thank you for your time and service.
|
| 07/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.
|
| 10/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
REGIONS BANK ALLOWED A COMPANY CALLED XXXX TO TAKE MONEY OUT OF MY ACCOUNT IN SOMEONE ELSE 'S NAME THE NAME XXXX XXXX THERE IS NOT A XXXX XXXX ON MY ACCOUNT XXXX TOOK OUT {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$150.00} 0N XX/XX/XXXX, {$140.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX {$120.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$100.00} ON XX/XX/XXXX, {$99.00} ON XX/XX/XXXX, {$92.00} ON XX/XX/XXXX {$86.00} ON XX/XX/XXXX. AND ANOTHER & XXXX
|
| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On or around XX/XX/year> I was charged for a order with another following the next day if not days later due to a new credit card number my account with the company was flagged so they cancelled my order but the money taken was not funded back to the account on both orders this actually happens often and I thought I couldn't do anything about it.I have edocuments to verify my claim, company also made allegations of me recieving sevices or products in most cases but not for these 2 orders I also have previous records of statements which are not the same
|
| 03/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund
|
| 05/27/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a loan with Regions which is due on the XXXX of the month. I do not receive my SS check until after the XXXX which is within the 10-day grace period. I have never had to pay a late charge on this loan and do n't intend to in the future! However, the bank calls continuously beginning after the XXXX , sometimes 4-5 times a day. I received two yesterday while I was sitting at the doctor 's office. I am requesting that the calls cease now! Again, I 've always paid the monthly amount within the proper time and within the 10-day grace period.
|
| 01/25/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
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|
My mortgage is serviced by Regions Mortgage. I have paper delivery of documents. Regions will not let me see any of my mortgage statements including Tax documents or documents I previously had access to without canceling my paper statements. This is a relatively new change that I was not warned of or given an opportunity to opt out of. Even if I elect to forfeit paper documents I have to wait to see existing documents online. I feel like Regions Mortgage is holding me hostage. I am unable to file taxes without the information they will not let me see.
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| 09/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Regions Bank XX/XX/2017 took {$2500.00} that was legitimately mine closed my account couldn't give me an explanation only said it was someone higher up. I went in throughout the day to speak with the bank XXXX as he watched my total balance start from {$2500.00} down to negative throughout the whole day and tried to help me get access to my funds which in turn they frozen my account with zero explanation. I had zero charge backs nothing wrong with my account. But they put me at- {$780.00} and in turn it got me in bad with trying to get a bank account.
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| 08/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I deposited a check in the amount of XXXX yesterday in the drive thru. I gave the teller the check and a deposit slip. I was given a deposit slip receipt. The XXXX was NOT put into my account and MY account was DEBITED XXXX. I was told the problem was a teller mistake and would be corrected by XXXX XXXX. My account has not been credited in any way. I have spoke with the branch manager who states there is nothing she can do except create a ticket. I feel the bank should at least credit my account for the withdrawal that I did not give permission for.
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| 11/12/2020 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT. I am submitting information to prove I met the terms of opening an account with a promotion. I received a response letter stating that I did not keep an average balance of XXXX . However, you calculated that average from account opening, even though the terms state I had 10 days to deposit the amount and FROM THAT DAY, maintain a XXXX balance. I am attaching my savings account statements that show starting on the day of the XXXX deposit, that money was left in the account for the correct amount of time. Thank you!
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| 05/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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The closing costs that I was told to expect changed significantly from the initial amounts I was quoted. I have tried emailing the Mortgage Originator and asked several times for their Compliance Department to review but this request has not been granted. I sent a very detailed message with all of the differences ( attached ) noted. If you can't trust the costs that are told to you when you decide to lock-in a rate to not be changed just prior to closing, where is the integrity of the financial market? I feel this is misleading to me, as a consumer.
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| 04/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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XX/XX/2022 Received a letter from Regions Bank dated XX/XX/2022 ( attached ) stating I declined overdraft coverage on account I do not have with them. I called Regions Bank on XX/XX/2022 and was instructed to fill out an Identity Theft Kit. I don't know any other details other than the letter I received. The bank would not provide me any additional information other than to fill out the report and send to them. I also ran credit reports from XXXX agencies and neither showed any accounts from Regions Bank. Both reports listed known accounts for me.
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| 04/08/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX / XXXX / 2013 s omeone I do not know did a mobile deposit in the amount of {$2700.00}. On XXXX / XXXX / 2013 so meone sent that money via XXXX XXXX to a unknown person. The bank did not wait for the check to clear and when it bounced I was told I was liable. The signature on the check is clearly not mine. My computer was hacked and my banking information was compromised. For 4 years I have not been able to secure a checking account other than an internet bank. I have a copy of the check and signature as proof it was not me.
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| 04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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on XX/XX/2017- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXXPD case # XXXX
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| 04/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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They have sent me a promotion to receive a {$400.00} Statement Credit when I open a new checking account. But when I attempted to open the account, they stated I had previously opened an account so I was unable to be qualified for this promotion. I previously tried to open an account online but I was told that the account was unable to be opened. I contacted them multiple times and they said the account was not opened. I have not previously opened an account with Regions Bank, so I should have the opportunity to take advantage of this promotion.
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| 04/06/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On or about XX/XX/2021 Regions Bank closed my checking account for being overdrawn over 60 days which they caused to be overdrawn by excessive fees as I live and reside in XXXX Mo and we don't have a atm here and closest atm or branch is in XXXX MO or XXXX MO over XXXX away! They also never notified me in any form they would be closing account. I was suppose to receive direct deposit from Mo Unemployment XX/XX/2021 which was rejected! Therefore their actions caused me economic harm by putting me into a economic hardship during COVID-19 pandemic.
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| 07/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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I made a credit card payment on XXXX XXXX, 2017 to my Regions Bank Credit card. The payment is being held indefinitely, and no one at Regions can give me a clear answer as to why and how long the hold will last. The account is about 3 months old, and I have never had a payment returned. Moreover, the payment was for {$5000.00} and the total credit line available is {$15000.00}. So, I do n't understand why the entire account is unusable while the payment is on hold. Obviously, the payment cleared from the XXXX XXXX XXXX account a long while back.
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| 05/23/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Older American |
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Regions bank in error ordered checks for my account and then charged my account {$30.00}. This caused a NSF fee on my account. After calling three days I got the {$30.00} fee refund but not the {$36.00} NSF. They also tell me my address is not correct even though I receive statements and mail. I have never moved addresses. I believe regions bank has compromised the security of my account by allowing checks to be ordered on my account without my permission and also for the address on my account to be changed in error and without my authorization.
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| 02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The account was closed paid and XXXX balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
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| 09/24/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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The bank will NOT let me close my account even though it has been no charge for the checking account and now Regions Bank has charged me a monthly fee without using the account. I was waiting for the direct deposit to start depositing into my new bank account to close the account. Now I presume they will keep charging me a monthly fee b/c I have a negative balance ( monthly fee charged without letting me know they changed my account from a free account to a monthly fee account ). Regions Bank on XXXX XXXX in XXXX, LA ( XXXX XXXX ).
XXXX XXXX
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| 11/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.
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| 01/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I was trying to get my rolled change turned into cash. The teller informed me that one of my rolls was two coins short. She then informed me that per the banks policy they could not deposit the XXXX into my account. She is a teller at a bank she will at some point throughout the day receive another XXXX in which to make a full roll for her drawer. My legal tender was denied deposit into my personal account because of bank policy. I should be able to put any denomination of my money into my account regardless of if its rolled, short, or not.
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| 11/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.
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| 01/27/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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My bank essentially stole {$510.00} from my account. My debit card had always been linked to my checking account. When my card was reissued, Regions incorrectly linked it to my money market account. Due to their error, I was charged a fee of {$240.00} in XXXX XXXX and {$270.00} in XXXX XXXX for " excess activity ''. In addition to being wrong, these fees are obviously outrageously high. I have written XXXX letters to Regions corporate headquarters regarding this issue, the second sent certified mail. They have not responded in any fashion.
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| 02/23/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
Servicemember |
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I deposited {$1800.00} from my husband 's account into my daughter 's Regions Bank account ( she is away at college ). They placed a hold on my deposit for 9 days because " they have confidential information that the item may not be paid. '' I nor my husband have ever written a bad check and we are almost XXXX. I would like to know what confidential information they have that it wo n't be paid. The {$1800.00} cleared my husband 's bank account the very next day. It is not right for them to get exclusive use of my money for no valid reason.
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| 03/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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In the last year XXXX XXXX I deposit the two check to the regions bank, but they holding my check and lock my account, when I communicate the banker, they said the check not sure is good check or bad check, let me verify the check is clear, I dont know if they not sure the check is clear can call the that bank, but they told me bank cant communicate to the bank, so I get the statement approved the check is withdrawn is paid, but they said still not sure let me waiting, waiting one years didnt release my money just hold and lock my account
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| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Regions Bank is reporting a charged off account that they sold to a XXXX XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to Regions Bank. I have disputed this item 4 times since XXXX 2021 to XXXX, XXXX, and XXXX stating this item from Regions Bank is reported incorrectly and they will not update the account. Regions Bank can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!
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| 08/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My XXXX account was hacked and money was transferred out of my checking on XX/XX/23. I notified my bank, Regions Bank, IMMEDIATELY and asked them to place a hold/freeze on the account so that XXXX could not take out funds. Regions does not have any agents working on the weekends that can tend to bank needs. Everything has to wait until Monday ( this is the first bank I have ever heard such an absurd thing ; most had fraud departments to help 24/7 ). Come Monday, the funds had time to process and Regions says there is nothing they can do.
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| 06/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/XXXX I opened a regions acct about 1 week or so after I got the card in the mail I went to the XXXX XXXX branch to deposit funds which they said I will be able to use my account in 24/48 hours. My deposit was forced into the acct apparently. If an alert or something was on the acct why would they waste my time in me putting my money there? They wont fully close the acct or give me my money back they basically said I need to wait 120 days to get my money they shouldnt have let me find it knowing that it wouldnt be able to be used
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| 07/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XX/XX/XXXX, after a car accident, I paid a portion, insurance paid a portion for car repair and rental of car. In XX/XX/XXXX Regions Bank began issuing a bill for the car rental. I have paid some on this bill, even though I do not believe I own this bill. The bank has been billing for this, since XX/XX/XXXX. The amount now due in XX/XX/XXXX is {$910.00}. I talked to the local bank branch, they could not resolve this issue. I sent a letter to the Regions Home Office in XXXX or XX/XX/XXXX. I did not receive any reply from Regions Bank.
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| 01/06/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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|
Web |
Older American |
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I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.
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| 12/08/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.
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| 07/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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On XX/XX/2022 I received text message from the XXXX XXXX XXXX that wanted a {$45.00} dollar donation. In my attempt to block this in the future, the application thanked me for my " donation '' to XXXX XXXX transaction posted on XX/XX/2022 for {$45.00} I filed an online request with Regions Bank located in XXXX Alabama , stating this was a fraudulent transaction as I did not authorize.
Today I received a letter from Regions XXXX XXXX XXXX XXXX XXXX Claim ID : XXXX, stating they were not going to credit my account for this transaction.
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| 05/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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Regions XX/XX/XXXX COVID we were having an issue on calling or go into the bank. We did not have any late payments and all of our payments were on time. The issue we had was the banks were closed and we couldn't make the payments due to the long waits and making the payment. The services did not accept online payment.
Account Name : REGION/AMS Account Number : XXXX Account TypeSecured LOC ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed.
Status UpdatedXXXX XXXX Late Payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
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| 10/13/2015 |
Yes |
- Other financial service
- Refund anticipation check
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Web |
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Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.
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| 05/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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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?
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| 11/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
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Web |
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My account always go necative and I dont know why so I remember one time I deposit XXXX bucks on my account cuz its necative and one week later I found theirs nothing on my account..went their and ask them about my bank cuz its always getting necative and they told me if I dont use my account 3time a month they charged that..my wife canceled her bank with them cuz it happened a lot with her so she dont bank with them anymore but she ended up owing them..so I want them to change and stop messing with people money..cuz we swet for it..
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| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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For the Month of XXXX, 2022, I was late making a payment on a new Regions Bank credit card that didn't show on my Region 's account online. The credit card was in my name and ended in " XXXX ''. After contacting Regions, they stated that even though my name was on the card, because this account was " Joint '', only my mother could access the account for making payments. They went on to say that there was nothing more they could do regarding the credit mark. The amount owed was around {$1000.00}, and was paid off the following month.
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| 07/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I made a purchase via XXXX for an XXXX on the XXXX of XX/XX/2021. The description says the phone is unlocked but unfortunately its locked and I cant use it. I reached out to the guy that sold it and he told me XXXX come replace it and didnt come and blocked all communications. I can not reach him again. I sent the money via XXXX of {$230.00}. I reached out to my bank already and they contacted the receivers bank ( regions bank ) but no response yet. How can I get my money? Things are really difficult especially during the pandemic.
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| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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My was card was used by several companies unauthorized by me. I called some companies trying to retrieve my funds back one company ( XXXX ) said that i shouldnt cancel my card because then they wouldnt be able to refund me my funds so i kept my card active. Some companies wouldnt refund me back, they said i had to file a dispute with my bank in order to retrieve my funds and my bank disapprove my dispute because they said i didnt cancel my card but i did Because i received a new card, This is fraud i need help getting my funds back.
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| 04/25/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.
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| 08/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
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On more than one occasion I took a check written to me from a business to their bank ( and their bank branch ) and was informed by the bank I would be charged a fee because I did not have an account at that bank. Their client wrote the check to me for their convenience and record keeping, I should not be penalized. If I deposit the check in my account and if funds are not available then my bank will charge me a fee. I should be able to cash a check written to me at the bank that the check was drawn from, without being charged a fee.
|
| 06/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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Opened accounts this yr, unable to get info on phone or by app. Teller distespectfull, balances hidden and charge 4 overdraft fees over 4 charges that had positive balances XXXX to XXXX only last three, I do not plan on paying they could not treat customer right and insinuate would steal from a safe box, as a CEO at the bank past 6 months, or something about mating it..the ladies are crooks and liers.i want this record erased. XXXX. XXXX died he ran XXXX XXXX but they say the got him I knew him but I'm not going to be bossed here.
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| 06/17/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
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Web |
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I was fraudulently charged {$29.00} 9 times which came out to {$260.00} on XX/XX/2021.
I filed disputes for all of the charges and the refund was approved XX/XX/2021 but I never received compensation I also have called countless times and talked to plenty of managers and they keep giving me the run around saying they will escalate and sent it to there higher ups.
So at this point I feel like there should also be Interest because over half a year is considered beyond unreasonable in customer law.
The account was XXXX by Comdata.
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| 07/30/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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Regions Bank branch located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX : ( a ) refused to accept 3 Series EE United States Saving bonds, despite accepting 6 other ones, stating, " they have small punch holes in them and they can not slide through their machine '' They told me I had to go deal with it on my own ; ( b ) refused to treat the 6 accepted Series EE United States Saving bonds as US currency and instead treated them as a check deposit, not giving immediate access to the US backed currency, and is at this moment, still pending.
|
| 10/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2020, I purchased a product from XXXX on line for {$100.00}. It was an electronic exercise machine that was advertised by XXXX that included exercise bands. When I received the device, it did not have the exercise bands. I contacted XXXX and they said the device did not include the bands. The advertisement clearly stated the device did indeed include the exercise bands. I shared this with XXXX and my credit card company. As of today, I have not paid doe the device as I filed a dispute on XX/XX/2020 to which I have proof.
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| 11/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
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I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.
|
| 09/08/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
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I applied for a Home improvement Loan with ( Regions Bank ) that my contractor XXXX XXXX suggested. The work was supposed to be completed in 2 months. Work started XXXXThe bank paid the contractor upfront for all the work XX/XX/22 XXXX was paid in XXXX XX/XX/22 XXXX was paid an additional XXXX The contractor has not finished the job. The bank had stated that if he didn't finish the job, they would find another contractor to finish the job. I am getting no response from the bank or the contractor. Any help is greatly appreciated.
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| 08/27/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
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I applied for a XXXX card in XX/XX/2022. I was approved for a card but the cards was never sent. Ive been trying the call my account rep XXXX XXXX but shes not answer phone calls Ive left messages and emails but never got a response back from her. When I called the main company line to speed with a different rep they always refer me back to XXXX. In XX/XX/2022 I filled out an second application. They have ran my credit but I still didnt get a response. Also I have verified ALL of the information that was required of the company
|
| 05/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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|
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.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have not worked since XX/XX/2020 due to XXXX XXXX XXXX and an XXXX XXXX at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has tested positive XXXX XXXX we have no income coming in until he returns to the school board which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.
|
| 04/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
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.
|
| 12/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022, I authorized Enerbank to pull a copy of my credit report ( a " hard '' pull ). Due to incompetent staff, they had to re-create XXXX additional applications in their internal systems for my loan due to their own error on each application. Each time, I was assured on a recorded phone line that they would not do another " hard '' pull of my credit, but on XX/XX/2022, my credit was pulled again while they created yet another application. I now have XXXX inquiries for the same loan, which is hurting my credit score.
|
| 10/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Confusing or missing disclosures
|
|
Web |
|
|
Basically I check from same bank for {$22000.00} I deposit check XX/XX/XXXXplace check on hold 7days.The same bank gave me the check they placed a hold on the check refuse to give me my money I kept on telling me to come back the next day the next day the next day. I felt like they were trying to steal my money I dont feel that thats right it was my money anyways the check was issued by the same bank they should have giving me my money up in three days they said they didnt have any cash thats not my problem that was my money.
|
| 03/06/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Regions Mortgage decided to raise my monthly payments excessively this year. Last year I paid $ 630/month and that included a little extra that came off of the balance. This year they want to raise it to $ 740./month. According to my calculations, P & I, plus the extra for a home warranty plus 1/12 of the escrow requirement totals {$640.00} Regions already has a pad in the escrow account of over {$1000.00}. I want my payment back to something reasonable and I do n't see why they need an extra {$2000.00} in the escrow account.
|
| 09/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
We currently have 2 accounts at Regions we have tried make several deposit which have been declined. We have tried to contact Regions and keep getting transfer from depart to department and no answer is giving why the deposit have been rejected. Payments for the line of credit are automatically being deducted from the accounts and generated overdraft fee and monthly fees. We want to know why the are rejecting the deposit being made through the online banking when there were accepted for almost a year and have fees reversed.
|
| 07/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Reference account : XXXX. We just took out a personal loan with Regions Bank this past month and received a letter this past week we have been turned over to collections and may be reported to the XXXX credit bureaus. Our issues : ( 1 ) This is the first letter received, ( 2 ) it is not clear if this letter relates to the loan we just took out, but assume it is since we know of nothing else owed to Regions, and ( 3 ) the local bank officer who did the paperwork stated our first payment was due by XXXX XXXX ( next Monday ).
|
| 03/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
XX/XX/2020.
Initial Question/Comment : I have been on hold for two hours to my bank Regions, regarding releasing a hold on my account.. I have called back after being cut off and on call again. How can I remain on hold for half a day? How can this be allowed in a so called first world country. This is absurd!
After numerous calls and getting nowhere, I finally got a agent who suggested going to a branch to try to resolve the issue, as she could do no more than to send me back to hold again for XXXX knows how long again.
|
| 05/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Hello, I'm inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about custodial accounts in my son 's name " XXXX XXXX SSN # XXXX and my daughters name XXXX XXXX # XXXX. I believe the account may have been opened fraudulently by a close relative without my knowledge. if there are any accounts open under our names, could you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
|
| 10/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My father a retired XXXX year XXXX XXXX Veteran recently passed away and I went to his local bank, Regions, located at XXXX XXXX XXXX XXXX in XXXX, AL to notify them ( and provide a death certificate ). I asked the bank to place a hold on his checking account to prevent any unauthorized debits while we completed the probate process and the bank personnel refused to do so. They were extremely rude and demanded that I provide letters of testamentary from the probate court, even though I was not trying to access the account.
|
| 04/01/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.
|
| 09/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I deposited {$30000.00} in a new checking account for my daughter 's wedding. Plans changed and when I went to close it after 5 months they said there would be a {$50.00} close fee. They also said there would be a {$25.00} fee for a cashiers check. this made me mad so I said ok just give it to me in cash. they said they did not have enough cash and I would need to call and arrange for the cash.
I do not believe either fee is appropriate especailly since they had my $ XXXX for over 5 months nd never told me about either
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I noticed some unauthorized charges appear on my bank account, I checked my wallet and noticed my card was still in my possession but these charges were made online, with my regions card. I also had credit cards that were stolen from my wallet. I immediately alerted the bank and tried to dispute these charges. After a couple days I received an email saying that they had completed their investigation and would not honor my request of refunding me my money. I did not receive any explanation as to how they determined this.
|
| 06/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have called regions bank due to a fraudulent account that was opened using my information. I informed them that I am a XXXX of XXXX XXXX and no one is willing to help me close the fraudulent account and report this as identity theft. I will not be responsible for fraud committed on this account as I have completed my due diligence by informing the company of the fraud that has happened. They are to be responsible for all damages caused to themselves and to my credit by being negligent when identity theft is reported.
|
| 11/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I received two emails from Regions Bank stating that if I opened an online checking and savings accounts ( and some other criteria stated in the main body of the email and in the fine print ) that I would be eligible for a {$400.00} bonus. When I called Regions Bank, they told me that I was ineligible for this, since I do not reside in a state where Regions Bank has a physical office.
This additional requirement is nowhere in the above-mentioned emails. It is also not on their website ( to the best of my knowledge. )
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American |
|
I had an account with Regions Bank ending with XXXX. I wrote checks to XXXX XXXX in XX/XX/2011and I am requesting copies of those cheeks in the amount of {$1000.00}. I am requesting copies of those checks, because I wrote two for the same amount for two reasons..
One was for child support and the other was for bankruptcy. I need copies of those checks sent to me. I also need copies of checks sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Payments were made via wire to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
|
| 08/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Regions is not protecting me as a consumer. On XX/XX/22 right before XXXX I deposited 3 money orders totaling {$3200.00} into my personal checking account and was told verbally by and via document by XXXX XXXX the teller that the money would be available the next day ( XX/XX/22 ). I checked my bank account on XX/XX/22 ( today ) and saw that not only was the {$3200.00} not available, but the funds I deposited will not be available until XX/XX/22. I am about to make a large purchase, I need my funds available yesterday.
|
| 04/09/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds.
I spoke to both a customer rep on the phone and the branch and still no resolution.
|
| 02/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Regions Bank filed a lien on my property at XXXX XXXX XXXX Tennessee XXXX on XX/XX/2007. I recently contacted XXXX XXXX XXXX at phone # XXXX, ( XXXX ). I have contacted several regions associates and every XXXX keep passing me to someone else ( from XXXX branch to another branch ) but getting no results. The address to Regions Bank that has filed the lien on my property is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I find this debt to be invalid and possibly fraudulent. Thank you for investigating this matter.
|
| 12/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
|
|
Web |
|
|
On XX/XX/XXXX. 2022, I deposited into my Regions checking account a {$500.00} check from a client and a {$500.00} money order issued by the XXXX. A 10-day deposit hold was put on both.
I was told there was nothing that could be done and interest would not be paid.
The Money Order issued by the XXXX is not a deposit instrument and 3 days is the limit the bank has to pay this. Their reason for holding both? They might not get paid.
I have never bounced a check at Regions, they have no reason to hold my deposits.
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
The minimum payment can not be changed. I attempted to take a {$50.00} minimum payment and increase it to {$300.00}. I attempted this online and talked to a representative and was told " It is a new system and it does not allow us to set that up. '' So a loan structured for 3 years would take 20+ years to pay and I'd be responsible for tens of thousands of extra interest. This is super shady and certainly stacks the deck in the bank 's favor. Anyone not paying attention would be fleeced by this despicable practice.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
i have had regions checking and savings for 28 years my routing number has always been XXXX i used this as i have every year on my tax retun to obtain my refund this year my refund kicked back because of routing number when i called XXXX XXXX branch manager @ regions bank XXXX nmls XXXX was told my routing number was different he could not tell me when the change occured i contacted XXXX regions AHC department with XXXX and XXXX on XXXX and was told my number was different but could not tell me when it was changed
|
| 10/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I recently read the article about Regions over charging the overdraft fees and having to refund many customers. I was affected by this and feel I should receive a refund. I banked with regions from XX/XX/XXXX until around XX/XX/XXXX and had multiple problems in that time frame. Im a single parent and have been put in many bad situations because of regions. I liked the bank which is why I stayed so long but I had to close my account and move on. Any other steps needed to complete so that I can receive funds? Thanks
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Regions Bank showed up on my credit report with XXXX as a default.
Someone used this card, which was closed many years ago, {$76000.00} was charged. Now my credit is being downgraded, and Im worried there will be a domino effect ruining my credit!
Please help me, I am retired and have worked my entire life, for what I have.
One credit card was downgraded from {$15000.00} limit to {$990.00} Big drophate to think what is next.
This made me look at my credit score and report where I found this fraudulent charge.
|
| 01/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022 I went to regions bank on XXXX XXXX XXXX XXXXXXXX XXXX. I used atm to withdraw XXXX which the machine did not have that amount so I went to another ATM in the same location and when trying to get the XXXX It said Insufficient funds. I went back to the first machine to make sure money had T been dispensed and it had a error symbol. I used a EBT card where I get cash through the government and they have been unable to assist as well as the actual bank. The bank or someone has a extra XXXX that is mine
|
| 12/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/ I was debited XXXX and XXXX from XXXX XXXX XXXXXXXX XXXX. XXXX XXXX claims to not be able to find the user that received this money even though I am able to find her on my end. And the bank refuses to refund my money claiming that I have prior transactions with this individual, referencing a XXXX credit that they submitted immediately before the debits. This was not on my personal XXXX XXXX account, someone added my debit card to their XXXX XXXX account and sent the money to the above named individual
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2022 I mailed in a form canceling a product post dated within XXXX hours of signing the form as required by AZ state law. I also notified the representative that I dealt with via text and every agent that visited my home afterward that this plan had been canceled. On XX/XX/2022 an account was opened on my credit report for XXXX without my consent, after I had already canceled the plan. No work has been done, no audits were completed and no permits were filed and yet they opened up an account in my name.
|
| 07/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
Company made refund bank has not posted. REFUND STATUS XXXX, thank you for contacting XXXX Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2021 {$29.00} Approved XX/XX/2021 {$29.00} Approved XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX
You received this email because you are a member of XXXX.
This email was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
|
| 04/29/2015 |
Yes |
|
|
|
Web |
|
|
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.
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XX/XX/XXXX I closed a checking account at Regions Bank. I was given a cashiers check for the total balance. Two days later on XX/XX/XXXX the account was automatically reopened because of an interest payment of XXXX XXXX XXXX. I was not notified that the account had been reopened. On XX/XX/XXXX an {$18.00} low balance fee was incurred. I tried to resolve this issue by speaking with two different customer service representatives, but was told I would need to return to the bank in person to resolve this issue.
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I have a Regions credit card over ayear and always paid my bill on time but the last few months I did not receive a statment I did speak to a manager XXXX but she could not help? Somehow I was put on E-Billing without my concent and never was notified? When I finally got a letter on XX/XX/2022 Stating my unpaid bill and my charge privileges have terminated and my {$340.00} cash rewards was revoked and my credit rating was damaged, all XXXX hade to do is send me a bill.I paid the bill on XXXX. Please Help!!
.
|
| 07/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Servicemember |
|
I signed loan documents on XX/XX/2022 for a HELOC with Regions Bank. Based on issues with the process, I confirmed to management that I did not wish to proceed with the loan, within the recission period. They indicated that the loan and application where withdrawn. They then proceeded to encumber my property by recording the {$25000.00} lien without funding the loan. I am not being prevented from finalizing a new loan with a new lender based on their error in recording an unauthorized lien against my property
|
| 07/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have regions bank - life green checking account - ending in XXXX. As per the terms and conditions document that i got at the time of opening this account it clearly stated that maintain a monthly balance of {$500.00} to avoid any monthly fees. In the month of XX/XX/2021 - the average monthly balance is more than {$500.00} but still on XXXX XXXX XXXX Regions bank charged me {$8.00} as monthly fees. Chatted with XXXX XXXX and told her the same.
Attaching the terms and conditions document along with the chat.
|
| 08/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
Deposited a cashier 's check through mobile deposit ( nearest branch is 300 miles away so I couldn't go in person ) that was equivalent to my substantial CC balance at the time with the intention of paying it off. Regions placed a hold on the check for almost 2 weeks, with no explanation other than " because we can ''. Resulting in about a XXXX dollars in extra interest on the card ( horrible rates ) Customer service was entirely unhelpful on multiple occasions and seemed trained to just shut customers down.
|
| 11/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I went to Regions Bank to open an account on XX/XX/XXXX at about XXXX. I was told that I had to pay a previous balance of XXXX before I can open a new account, so, I paid that amount then the rep. Gave me an appointment for Monday XX/XX/XXXX at XXXXXXXX XXXX When I get there to attempt to open the account she tells me I can't because somethings going on with my social security number or background check. I've never been in trouble, I'm not a felony or anything. I want to know what's going on. Please help me.
|
| 08/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
There were unauthorized transactions on my account and I reported them promptly and had my ATM card cancelled and ordered a new one. Regions bank denied me of receiving a credit back toy account for the money that was stolen. I made a police report. I tried to help as much as I could only to find out they gave me the wrong fax number. And closed my claim without returning my money which is clearly taken by fraud. I made my initial report on XX/XX/2022. They still are not trying to communicate with me at all.
|
| 01/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
We accidently overpaid our account by {$4600.00}. We contacted XXXX XXXX XXXX and told them we overpaid and want a refund, Overpayment was made XXXX XXXX XXXX, it is now XX/XX/XXXX. I have been on phone numerous times with customer service and nothing gets resolved. They said they sent a check but we have seen no check. They say they stopped payment and issued new check over a month ago still nothing. They keep me on hold for hours. I am starting to get mad. Its like they are not going to give my money back.
|
| 06/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened my account under the terms attached in the email below. I was inquiring about my {$400.00} bonus for weeks, only to be told to wait 120 days. After I waited 120 days, I was told my account was inactive. My problem is that not only did I not receive the bonus, but i had no way of knowing that my account was inactive. There is no notation tion on my statements, No email, no letter. Also, the terms of the offer indicated that the account had to be opened. It did not specify that it had to be active
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I filed a fraud/scam complaint with Regions Bank for {$500.00}. This claim was denied because of lack of documentation. I resubmitted with documentation. The bank denied it again and told me to resubmit the claim again hoping to get a different person to review and approve it. That sounds absolutely bonkers to me. The bank sees me a small nuisance. Im not a large depositor so theyre mistreating me. I have never submitted a claim to them before. They need to help, not kick the cam down the road. Claim # XXXX
|
| 12/07/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I found out yesterday that my name and credit rating was attached to this loan.
I DID NOT SIGN OFF ON THIS LOAN!!!
I DID NOT sign this document and it was notarized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I WAS NOT there, and not sign it, I was in XXXX XXXX on business and have plane tickets, hotel bill and witness ( s ) that will gladly give deposition to this fact.
I wish to pursue this matter in everyway possible and convict all parties involve in this fraud.
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/XXXX deposited my payroll check into Regions bank XXXX XXXX XXXX TN XXXX XXXX XXXX. Went through verification visited the bank XX/XX/XXXX my funds hadnt been released bank teller advised me to go back to the ATM and deposit the check which then the atm ate my payroll check and shut down completely. I have images of the atm shutting down and not spitting my check back out. Claim was submitted and I was advised I would be credited within 24-48hrs it has now been over a week and no answers or resolution.
|
| 01/16/2017 |
Yes |
- Prepaid card
- Payroll card
|
|
|
Web |
|
|
I had XXXX dollars inside of my wallet with my XXXX bank card 2 days ago.. I went to purchase a XXXX of XXXX from XXXX XXXX at a nearby liquid store.. Then the day after I proceeded home to then search for the wallet which by then was clearly missing and I called my XXXX bank to check my card status and it said XXXX XXXX So it clearly was getting spent by there second on groceries at a XXXX by XXXX high school.. I just want to know how I can go about getting my money back and or prosecuting whoever did this
|
| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2020 I was charged NSF fee even though there was enough money in the bank. On XX/XX/2020 I was again charged NSF fee even though there was enough money in the bank albeit there was a pending charge. On XX/XX/2020 I was again charged NSF fee on that pending item. So was charged twice for the same item. On talking with my bank they said it happened during processing so I would not be able to see where or how I was eligible for the NSF fee. This reeks of dishonesty and is definitely not transparency.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I fell behind on my loan and could no longer make payments. The company EnerBank USA then filed paperwork with XXXX & XXXX and a settlement was reached and paid off XXXX XXXX. The company has yet to change the account to paid off in settlement and Im also seeing the balance increase on credit reports through XXXX. The loan has been close, settlement reached and paid off to the agreements with the lawyer they chose. Also have a letter from their lawyer stating the terms have been followed and paid in full.
|
| 02/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee.,
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Regions bank branches refuses to help me with a fraud claim. They say I have to go through their online bot, and can not email my statements to anyone. Are they allowed to do this?
The branch assistant manager spent a bit of time with me and took my info to get the claim started. I went to my office and printed off all of the statements. Then she called to tell businesses are not helped in the branch. I asked for the branch manager, but she wont call back.
I just want a human to help with the fraud.
|
| 04/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My friend send me {$2000.00} through XXXX on XX/XX/2022. I have a account in Regions Bank.And I didnt received it. I went to my bank and told them the situation and after multiple follow up. They didnt solve my problem. Every 2 weeks a spend hours to talked to them and follow up the case but actually its more than 8 months and they didnt helped me. I provided them the confirmation and claim letter from my friends account and bank said that the money is transferred to my account. But I didnt received it.
|
| 10/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I bank with Regions in XXXX, Georgia. I contacted my bank because I have fraudulent activity. I was told I have to wait for the purchases to go all the way through to make a claim.
this all happened XX/XX/2020. My bank has made no action to get my money back. Here are the charges : XXXX XXXX XXXX : {$1.00} XXXX XXXX XXXX : {$1.00} XXXX : {$23.00} XXXX : {$39.00} XXXX XXXX : {$80.00} XXXX* XXXX : {$5.00} XXXX : {$5.00} XXXX XXXX D : {$1.00} XXXX XXXX XXXX {$16.00} XXXX : {$10.00} XXXX : {$25.00}
|
| 08/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.
|
| 09/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Servicemember |
|
On XX/XX/2023, I received an email from XXXXXXXX XXXX thanking me for requesting a new credit card which I never received.
XXXXXXXX XXXX called to confirm the application which I declined, reported as fraudulent. They closed the application.
On XX/XX/XXXX at XXXX I received an email stating that I opened an account with Regions Bank. They are in the process of closing the account.
I have frozen my Credit with XXXX and XXXX XXXX XXXX servers were down, so I was unable to freeze my credit with them.
|
| 01/13/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Regions Bank is holding funds that I placed in my savings account as collateral for a personal loan that was issued to me by Regions in an account that was not authorized by me. I did not agree to have these funds in my savings account held. This was not explained or approved by me. I did not sign any document during the loan process or the loan signing that gave approval for regions to hold my funds placed in my savings account in a undisclosed account and would not allow them to be available to me.
|
| 05/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I entered into a legal settlement on a credit card debt I had with Regions Bank and completely fulfilled the terms of the settlement paying 100 % of the agreed upon amount. Despite this indisputable fact Regions is showing a " current balance '' of {$5000.00} and this is negatively affecting my credit score. How can I have a " current balance '' on an account that is closed and on an account that has been paid in full based on the terms of a legal settlement. This is vindictive fraud by Regions Bank.
|
| 02/24/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
Regions Bank has provided inaccurate information to CRAs and XXXX in regards to my account. They are claiming I owe a balance of {$150.00} and have listed the same debt several times on the reports and to XXXX. They have not mailed a bill to my address or contacted me by phone in regards to this bill. In addition, in 2014 they swept my account for $ XXXX to satisfy a loan I had with them without my consent and now they are still saying I owe them and providing the CRAs and XXXX with this information.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
|
| 07/26/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
My name is XXXX XXXX AND I HAVE SENT COMMUNICATION TO CFPB AND RECIEVED A LETTER ASKING FOR INFORMATION FROM ME REGUARDING BAMK ACCOUNT INFORMATION AND NEED TO COMMUNICATE FURTHER WITH SOMEONE REGUARDING THIS PROBLEM. I FEEL SURE WE CAN RESOLVE RHE PROBLEM.. I KNOW NOW THAT IS N'T TRUE AND NEED TO FIND OUT MORE ABOUT THE ISSUE. PLEASE. COMMUNICATE WITH ME FURTHER AS MY EMAIL XXXXXXXXXXXX IS BEING HACKED AND NOW I WO N'T HAVE A PHONE UNTILL THE XXXX of XXXX 2017. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
|
| 02/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My card has been compromised several times the last time I went to the regions branch to receive a new card, the card that was automatically sent out sat in the same envelope it came in, XXXX XX/XX/24 received notification that someone tried a transaction on this card that was never activated on my account, several hours later my active card was compromised, it would seem the bank is compromised from inside, I would like them to perform a security audit as this is a major breach for a failing bank
|
| 08/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
This company XXXX sent me multiple emails asking me to verify my banking. Then they sent me two cards by XXXX.
They deducted {$500.00} from my business checking without my signature or verbal authorization.
I have called the customer service number multiple times and they tell me they can not find any information.
I found another office to call, when I called today I was told that if they took the {$500.00} it would be refunded back the same way it was taken. The representative hung up on me.
|
| 08/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
Posted a cash deposit on XX/XX/2018 in the amount of {$800.00} well before the XXXX XXXX cutoff. Regions did not post this deposit to my account XX/XX/2018. The money just saw there even though, it was coming directly from my checking account.
On XX/XX/XXXX, I was told by XXXX, the credit card supervisor that it takes 48-72 business hours for cash deposits to post to an Explore account. I attempted to explain that I had never experienced this type of undue delay with a cash deposit. She was rude.
|
| 10/16/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site.
Regions Bankhttps : //regions.com
|
| 07/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
On XX/XX/XXXX and XX/XX/XXXX I transferred 3 wire and ACH bank transfers into my Regions bank checking account from 2 different external bank accounts. Regions only gave me 1 out of 3 transfers : 1 was for XXXX $ a wire-this was received.
1 was for XXXX $ an ACH transfer- which takes 1 day- never received 1 was for XXXX $ an ACH transfer- which takes 1 day- never received.
The bank did not handle the disbursed funds as instructed as they were never received.
I wasnt the XXXX $ they NOW owe me.
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On or about XXXX XXXX XXXX XXXX a bank teller, and XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX, MO branch. As a loyal customer of Regions Bank for the past XXXX years, I am appalled by the unprofessional conduct and denial of my request to withdraw funds from my checking account ( Account Number : XXXX ). This complaint solely seeks reason ( XXXX ) for the denial to withdraw funds from said check account and explains why XXXX XXXX denied the Complainant from closing said account that same date.
|
| 01/05/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I use to bank with Regions in the years of about XXXX. I emailed corporate as well as spoke with customer service representatives about my account constantly going into the negative and inquiring overdraft fees. I always calculated my balance whenever I would spent or withdraw money. It became apparent to me that the bank was committing some type or fraud or had to be experiencing some sort of glitch in their system. After reaching no resolution I decided to walk away and bank with someone else.
|
| 03/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I was trying to get a student loan and I was talking to Ms XXXX I provide information like date of birth and social security along with the bank information. The next thing I know she went into my XXXX banking chose XXXX put her telephone number in and proceeded to process a transaction with her phone accepting the transaction in the amount of 800.00. I filed a ddispute with regions and they denied my claim. I was suppose to receive the dispute information thru my email but nothing was provided
|
| 11/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2018, an amount of {$500.00} was paid to XXXX XXXX XXXX for a procedure for a specific doctor. The doctor, however, is no longer at the facility and, therefore, is unable to perform my procedure. I requested a full refund from the facility and did not receive the {$500.00} amount back. Nonetheless, I filed a dispute with my bank ( Regions ) explaining the situation and hoping for rectification. Regions sent me a letter denying my dispute and did not credit the amount back to my account.
|
| 04/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Card number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX Las t 4 of SS # XXXX I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim. ( 1 ) XXXX XXXX XXXX {$7.00 } ( 2 ) XXXX XXXX XXXX {$19.00 } I need t hese funds returned at once. Please assist me in this matter.
|
| 10/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I opened a Regions Bank " XXXX XXXX '' Checking account in XXXX 2015. Part of the terms of that account was that they would reimburse XXXX out-of-network ( non-Regions ) ATM withdrawal fees per statement cycle. The have failed to reimburse me for XXXX transactions that I know of over the course of the last 6 months, and have tried to say that fees charged by the ATM are not the fees that reimbursement program is intended to refund, but rather, another Regions imposed fee that they reimburse for.
|
| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I use Bill Pay through my bank to pay my mortgage, generally my account is debited the first of each month. On XX/XX/XXXX, my mortgage company called to say they never received my XXXX mortgage payment.
I sent a copy of the electronic check, front and back to my mortgage co., they sent me a letter stating they did not endorse this check.
I contacted my bank SEVERAL times, via emails, and phone calls, they stated the money had been withdrawn and processed and there was nothing they could do.
|
| 05/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
Checking credit score advised free but required {$1.00} charge. Paid charge but vendor opened account. Called to cancel immediately but number provided not operational. Emailed but more of the same. The company billed me {$29.00} and {$39.00}. attempts to stop failed and Regions bank could only change card. XXXX but Regions has not refunded the money. Opened XXXX complaint, Ic3 FBI COMPLAINT, FTC AND FCC but Regions has still failed to refund the money for over 60 days and multiple complaints.
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my XXXX credit report. The inquires were made with Regions Bank, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither Regions Bank, nor XXXX seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.
|
| 07/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I bank with Regions Bank on XX/XX/XXXXXXXX I went into a local branch and issued and deposited my government issued tax refund check I was told i would receive have of the funds on XX/XX/XXXX and the remainder XX/XX/XXXX then I received an email today XX/XX/XXXX saying that i would not receive anything to much later. And gave me information that was incorrect pertaining to my and my account I need help banks should not be able to just hold someone money and if so they need to provide why?
|
| 01/27/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
|
|
Web |
|
|
I got this card for donating plasma. The schedule of fees says there is a charge for using this at an ATM, even in network, and a charge for using a pin to get cash back. The only way to get cash without paying a fee is a bank teller withdrawal. I was told my card is not allowed to be used at a bank teller, and therefore the only way to get cash off the card will cost me money. That doesnt seem right. Due to the amount I have to claim this in my taxes, but I cant even get the cash from it.
|
| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I requested an investigation and the removal of the charge-off status in this account REGION/XXXX XXXX. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history that proves my late charges on this account and there is no balance indicated on the other bureaus.
|
| 08/06/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.
|
| 01/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was overdrawn in my Regions Bank account only {$6.00} and when I woke up I was overdrawn {$78.00} due to an overdraft charge of {$72.00}. Previously I have been overdrawn and was only charged {$36.00}. My complaint is that the fees change and dont make sense, I spoke with someone at the bank the last time and was told that an overdraft is applied to each transaction but the amounts still did not add up. I have also been charged {$100.00} in overdraft fees when I was overdrawn {$60.00}.
|
| 01/27/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks.
The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account.
The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.
|
| 02/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Recently, I, XXXX XXXX, was denied an extension of credit by EnerBankUSA. On XX/XX/2021, I applied for a home improvement loan.
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). EnerBankUSA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
|
| 05/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Saturday XX/XX/2019, I tried to deposit money into the OUTSIDE Regions ATM where the machine proceeded to snatch {$300.00} of my money and spit it out. I then tried to straighten out the bills and reinserted the {$300.00}. The ATM screen then turned Black and said shutting down. The atm machine still had both my card and the {$300.00}. It rebooted and kept both my card and the {$300.00}. No one knows how to fix this and I want my money. We are now on the verge of losing of losing things
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I want you to know that I missed the payment on my account due to my serious illness and hospitalization. The XXXX pandemic has significantly impacted my life, and I have faced various challenges because of it. I lost out on job opportunities because of the late payment remarks on my credit report, and I was unable to close on a home for my family as a result of this situation. This has been a difficult and stressful time for me, and I am feeling really XXXX about the whole situation.
|
| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Over the last two and half years Regions has continuously charged us overdraft fees even when we signed up for it to transfer money from Savings when an overdraft occurred. We discussed this problem time and time again with no resolution. We have slowly started moving funds to another bank. However, the little we still do have in regions continues to to have or charge us with hundreds of dollars in overdraft fees ( when they easily could withdraw from our savings to cover the amount ).
|
| 07/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I went to cash my tax check and the teller said we can only dispurse my cashed check in XXXX. I said that's fine. Then she said I can't cash the check but I can deposit it into your account and it will be available after XXXX. I said that's fine. I deposited my check and a few hours later they placed a hold on my check for 2 weeks without disclosing any information. I had a choice and if I knew that I wouldn't have deposited the check. They could have disclosed that information to me.
|
| 12/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
As of XXXX 2016, My wife and I have reached a payoff settlement on a 2nd mortgage / home equity line of credit with Regions Bank. The funds were received by the lender and the lien plus judgement were removed. The lender has not however removed the negative items listed on my credit reports which has a very negative impact on all other aspects of my financial affairs and since this was paid as agreed, I should not continue to suffer as a result of what was predatory lending practices.
|
| 04/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
It is really sad that in times of Crisis due to the COVID19, Strangers help each other, Corporations provide assistance, but I work on a " FULL COVED19 UNIT '' @ a Hospital in FL, ON THE XX/XX/2020 my Card was Lost/stolen, someone took {$440.00} from my Checking, and REGIONS send me a letter saying they investigated and they are not giving me a cent of my loss Money. I put my Life at risk every time I go to Work because I need to pay my Bills, a Bank is suppose to Protect your money.
|
| 04/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
about 4 months ago the Florida Department of Revenue froze XXXX dollars ( estimated ). Finally the department decided I didn't owe that and released the funds back to me. A couple days later Regions bank charged me a XXXX dollar fee for the transaction.
The bank id the only one who had access to these funds during that time > the transaction never went through since it was a mistake. and yet the bank still charged a fee that almost XXXX percent of the original amount. This is theft
|
| 08/20/2015 |
Yes |
|
|
|
Web |
|
|
received an offer that states 0 % apr for XXXX months then XXXX-19.99 % therafter/offer also states introductory rate on balance transfers applies through the end of the XXXX m, onthly billing cycle after the account is opened for all balance transfers requested within 60 days of account opening. Just opened the account last week called to do a balance transfer and was advised the rate was XXXX and then information that was sent to me was a misprint-that appears to be illegal to me.
|
| 01/17/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I am now trying to update my information with regions Bank on closed account information so they can have the updated addresses for three accounts that I have and they keep giving me a number with a repeating recording that does not provide any information the number that they provide to me is XXXX which does not give me the option to update my address so the letters that they provide on closed accounts to receive the compensation settlement can be directed to the correct address?
|
| 01/12/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
Regions Bank has brutally charged me overdraft fees and there is no retraction in place. All except to hide my bank statements and trying to remove any information related to my previous accounts when I did nothing wrong. Regions also sent to collections.i I am victim aggressive identity theft. At one time Regions had the incorrect address and I requested the address to be changed but somehow it was immediately changed. Having an apartment number as if to deceive and commit fraud.
|
| 12/22/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I received a promotion offer of 400 $ for opening a new checking account with Regions Bank in XXXX XXXX. I have met the opening requirements for eleven months and have not received the bonus of 400 . I have called and visited their customers service for more than times and they told me I qualified the promotion offer and met all the requirements. But I have not received the bonus to date. Therefore, I am requesting Regions honor the offer and award the bonus to my account. Thanks.
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Numerous fraudulent transactions on our checking account. Regions Bank does not provide fraud protection, and wants us to assume liability.
Total of over {$43000.00} was debited from our account fraudulently. The Descriptions all have XXXX XXXX listed as the phone payment.
Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On Monday XXXX XXXX XXXX I made XXXX Transaction of XXXX and XXXX which were taken out my account. then the next I transferred XXXX to my personal account then I paid my credit card via debit card for XXXX. So the bank decided to hold all of my first transaction till the largest one went thru, then they proceeded to allow them to go thru so the can get the fees. this has happened many times in the past and they have stated to me that they feel the largest one is the priority
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was affected by the coronavirus and was given an option by Enerbank to satisfy a debt due to this and that if I did it would not negatively impact my credit however they did add it in XXXX as a charge off which negatively affected my credit score I was under the impression that the CARES act did not allow this and also told by them it would not and they are saying they will not take it off and I feel this is unfair given the pandemic issues we have been dealing with etc.
|
| 09/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
In XXXX I asked for Regions Bank in XXXX to deduct and pay a bill to my landlord until XXXX.
I was robbed in XXXX of XXXX of my wallet which had my credit cards and debit cards.
I notified the police and Regions Bank in XXXX and I submitted a police report except one report was not completed. The bank refunded the charge on my card by the crook.
I need the statements for court but Regions has not responded to my XXXX letter sent to the headquarters for instructions.
|
| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Im writing because I noticed that my most recent credit report contains a late payment of 30 day in XX/XX/XXXX of this years i call region back in XX/XX/XXXXof this year to change my payment due date to the XX/XX/XXXX of each month and also to set up an auto pay that never took place in my head i am thinking i am on auto pay and auto never took place i have the loan for a long time never miss a payment always made my payment on time.
Id have an excellent repayment record.
|
| 09/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble closing card
|
|
Web |
|
|
I received a pre-paid card from XXXX XXXX that would have the money I would receive from the company for donating. I have since stopped donating and requested my account be deleted by both octapharma and by Comdata. XXXX emailed saying Comdata would be the only company allowed to delete my account and Comdata have stated the XXXX company must reach out to them for the account to be deleted. All of this took place on XXXX XXXX and either company has done as I have asked.
|
| 08/03/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/2018 I was having fraudulent activity on my account, no alerts, for ( 3 ) strait days, called them and why we were on the phone and they were trying to fix it, some one was undoing what they were doing as we were speaking, so I ask to freeze the account. Later if was charged off and you my money on the secured card at {$800.00},, a lil over {$200.00} had been spent, they move have it in collections, refuse to give back my money, and don't take it out of collections.
|
| 01/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules.
They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
|
| 05/07/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
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.
|
| 02/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have contacted XXXX XXXX XXXX XXXX about an issue with a XXXX they sent me which stated they had paid out {$200.00} to account that I had once I brought this to their attention they stated that now they are not going to pay this out and give me a XXXX with a XXXX balance I spoke with the XXXX XXXX and they took over a month to give me this resolution and I still have not actually received anything but they had already printed a XXXX with the bank seems very fraudulent
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
This happened in 2021 and I had {$50.00} in my account, I went to withdraw it, I was able to withdraw the money but next day I go and look at my account and it has the overdraft fee, and every other day after that they kept adding another overdraft fee everytime until my account had a negative balance of $ XXXX and some dollars, can't remember exactly the amount it was but I ended up closing the account. They are still harassing me to pay it off when it was their fault.
|
| 08/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had several Regions Bank accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.
|
| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
My company was charged at least {$18000.00} in XXXX months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) due to what was called late fees and interest fees. When I discovered the issue in XX/XX/XXXX I contacted the company to discuss the statements and payments made, they were unwilling or unable to explain why I was being charged. Instead I was told the system attached the fees and there was nothing they can do about it even though my balance was paid in full.
|
| 07/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I used EnerBankUSA to provide credit for a home improvement project. The loan amount is {$5400.00} with 7.99 % interest. They have charged a minimum payment of $ XXXX and are now claiming that entire payment has gone to interest.
Daily amortization on that amount is approximately {$1.00} per day totaling {$36.00} per month. Unless they are changing the loan terms and not producing it on the statement their math is incorrect and they are enacting fraudulent charges.
|
| 12/16/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX
|
| 06/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have Regions bank personal checking account. After opening account for so many days also I can not : 1. Login to online banking 2. NO ATM/Debit card PIN Calling regions customer service toll free # is around 45+ minutes wait and no success even after that.
I have no idea why Regions make it so difficult for the customers to do something like this.
Talked to Regions bank on XXXX XX/XX/2021. No success. They sent an email to reset the ID etc ... but nothing works.
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
We sired money to an account that turned out to be part of a Ponzi/Investment Fraud scheme. None the banks said that the account was suspicious especially the destination bank, XXXX XXXX. XXXX XXXX is the one hosting the fraud account and has refused ALL help/cooperation.
We sent XXXX on XX/XX/2021. The fraudulent company is called XXXX XXXX XXXX.
Their account number at XXXX XXXX is XXXX. The company 's address is listed at XXXX XXXX XXXX XXXX XXXX, VA. XXXX
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act Regions bank signature account # XXXX, has violated my rights.
15 U.S.C. 1681 Section 602 States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account account under an open end consumer credit plan as late for any purpose.
|
| 05/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/2019 and XX/XX/2019 for my REGIONS BANK account.
I want you to know that I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record
|
| 04/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Used my debit card to make several purchases on XXXX. This made my account negative by XXXX. Went and deposited XXXX on the same day which brought my account positive XXXX. On XXXX I checked my account and it was negative XXXX with a XXXX nsf fee. Regions apparently decided to take the debits out before adding the deposit. This is wrong and deceptive. Its the same reason you guys fined them millions of dollars several years ago. Regions keeps doing the same thing.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.C 1681 section 602 A. States i have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On a regular bases they will hold me payroll check to allow charges to come through over drafting my account just to collect really large overdraft fees, as of today my account overdrawn XXXX, when a payroll deposit would have been made as it it always post on a Wednesday, others at my place of employment received their pay today, I think it's unfair and have have been banking with Regions for 20 years and have paid some thousands of dollars in overdraft fees...
|
| 08/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never applied nor opened an account with Regions Bank. This is NOT an authorized account.
Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports.
Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY.
Attached : Proof of Fraud Reports Proof of Police Reports Self Identification
|
| 06/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
The aforementioned company Regions Bank violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to the debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt.
|
| 01/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I joined Regions Bank with the promise of {$300.00} after setting up a monthly deposit of {$500.00} and making XXXX purchases with my check card. I met the criteria on XXXX/XXXX/15 and the bank had 120 days to to honor the promotion. I asked a manager to look into it, and she said she would call me on the XXXX or XXXX of XXXX as to when I would receive the funds ... no response yet. I have a friend who joined also at the same time and has not received her money.
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I wasnt told until later they were placing a hold my deposit. They have done this with every deposit I have made. Holding it for 9 days, even when it clears much sooner. Not releasing any of funds to me. They can verify it is good check. Even told me if I were not already a customer they wouldve cashed it right away for a several hundred dollar fee. I requested to just give me it back and they would not. Going to hold it for the 9 days no matter when it clears
|
| 01/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check on XX/XX/2022 and was told it would be cleared on Monday, XX/XX/2022. The check in question is being held until XX/XX/2022 and is going to cause a late payment for my mortgage. Also even after not opting in for overdraft protection, I am still having my account pay out reoccurring debts causing several overdraft fees to hit my account. My account is being overdrawn in the same manner as a previous investigation by the CFPB.
XXXX XXXX XXXX
|
| 01/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
On Thursday XX/XX/XXXX I received my bank statements from Regions, XXXX XXXX Mississippi. I had already told them that I have no other bank cards check cards opened in my name but one, and they have not explained to me why the cards are opened. They hung up on me twice because they were stuck and could not answer the questions that I was asking them, so I will dispute them charges tonight is XX/XX/2022 my name is XXXX XXXX. I could be reached at XXXX Thank You
|
| 10/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Regions delays payments into accounts and prioritizes payments out of accounts in order to force overdraft fees. They do this multiple times in rapid succession so they can charge you in excess of {$100.00} at a time. They can not be trusted to resist the temptation to take advantage of this lack of transparency in order to parasitize their clients. Consumers should be educated about financial institutions that engage in levying and extracting predatory fees.
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.
|
| 04/08/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Some one hacked into my Regions Bank account and enrolled me into XXXX and withdrew {$500.00} from my Regions Bank account the persons name that is listed on the transaction is XXXX XXXX XXXX. I have never heard of XXXX and did not know who they were. When I loged into my regions account thats when i was hacked and someone had a virtual connection of my computer using XXXX XXXX. This person XXXX XXXX stole {$500.00} from my Regions Bank account using XXXX.
|
| 01/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains.
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
|
| 05/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
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.
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have been charged over {$500.00} in overdraft fees and regions bank has been ordered to resolve this, I wasnt sure how to file for it but Ive been with regions bank for years and something will take out of my account without my knowledge ( XXXX, XXXX, XXXX, ect. ) and it will charge me a {$70.00} overdraft fee and it just keeps going up if I dont have the money to pay it, so I would really like someone to reach out to me and help me with this situation.
|
| 08/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I initiated a XXXX transfer of {$220.00} to a merchant thru regions bank and never received any products I ordered. I was scammed. I called my bank and they told me they would open a claim but that I would most likely not get my funds back. The money was XXXX on XX/XX/2019. The number was changed and the person no longer responded to any of my texts, calls or emails or messaging on social media. Then she responded saying get over it and cursing me out.
|
| 05/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
XX/XX/2022 Tried to deposit a check for XXXX. Used mobile deposit feature. Of course it didnt work. App kept saying error after error after error. Contacted regions and they cant tell me why. I told them I used several different options they have available and still didnt work. Said I would have to take it in to the bank. I told them it was a payroll check from my retirement systems of Alabama. Its a monthly direct deposit same account and same amount.
|
| 02/14/2019 |
Yes |
- Credit card or prepaid card
- Gift card
|
|
|
Web |
|
|
I was contacted by phone by someone claiming to be from The Department Of Treasury.His name was XXXX XXXX. He told me an arrest warrant was put against me. I was told I owed back taxes. HE TOLD me he had the authority to cancell the warrant if I paid the back taxes. HE used my debit card to the amount of {$2200.00} by using a XXXX XXXX card.I have his number. Also he keeps calling my cell number .I was scammed on XX/XX/2019 between XXXX and XXXX XXXX.
|
| 04/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received an email notification from a local bank about a new account that had been opened in my name. Then i got an email saying that the email address had been changed. I went to the bank that same day to resolve this issue. The account was in my name with the correct address, XXXX and email - the impersonator had used a fake DL with an incorrect DL #, and they changed the email to one that was impersonating me. The account was suspended that day.
|
| 11/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Received loan modification documents in the mail from Regions Banks, the modification terms is setting me up to lose my home. The interest rate isn't a fixed rate for the term of the mortgage and its a interest only mortgage loan. The economy is very unstable at this time and I don't want a mortgage loan or interest rate that is going to make me lose my home to foreclosure. There is also a pending property foreclosure sale set for my home XX/XX/2019.
|
| 08/01/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
Dealing with XXXX XXXX has been a nightmare. The statement for our construction loan provided by the bank was erroneous, and I contacted the bank to correct the problems. After being unable to resolve the issue with the Construction/Permanent Lending team member and the XXXX XXXX XXXX XXXX, I contacted the department manager XXXX XXXX He has acknowledged the errors in the statement but still refuses to correct them and provide an accurate statement.
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There is an inquiry from Regions Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.
|
| 12/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I am a victim of identity theft. Regions has requested that I fill out their identity theft document which is attached to this complaint. Also attached is a copy of my photo ID and the letters I received from the other banks where fraudulent accounts were opened and the FTC affidavit of identity theft as well as a copy of the lease for the apartment I lived in during this theft. The police report number filed with the XXXX Police Department is XXXX
|
| 08/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have made arragements to pay them but they continue to call XXXX XXXX is handling my creditors an they all have been notified properly/ I am not trying to avoid paying anyone just through this structured payment plan. Regions Bank been the only creditor that have harassed me calling day an night home and cell phone back to back. cell number \ XXXX XXXX have already made a agreement to pay off one bill 3 payments and will be negoiating the next.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My Name is XXXX XXXX, XXXX XXXX. I work with XXXX XXXX XXXX XXXX. I went to regions bank on XXXX to make a wire transfer of XXXX thousand dollars to my account in homeland, till today regions bank has refused to send the money to my account as instructed, and the money has since been debited from my regions bank savings account. I have gone to the bank several Times to have this silted out but they have been treating me with disdain.
XXXX XXXX
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| 04/05/2019 |
Yes |
- Credit card or prepaid card
- Payroll card
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Web |
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I have been getting notifications through text messaging on my personal cell phone about purchases that are trying to be made and how I'm missing $ XXXX..i talk to the card company and they said it was going to be investigated and they told me that since they can't provide me legal documents concerning my account with them through the us mail, that they would email me my documents and i have received nothing not even an update on possible fraud.
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| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My credit report was pulled without my consent with this company and I requested for it to be removed. I know I dont recall authorizing this inquiry and I do understand that they shouldnt be allowed to put an inquiry on my file unless I authorize it. This is infact causing damage to my credit. I didnt sign anything giving them any permission to pull my credit nor did they tell me they were going to pull my credit and nor did I authorize them to.
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| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened up an account at Regions and was told they have early pay. I have never received my payroll early. They are able to see it at least two days earlier than the payday but are not able to tell me why its not going in early. Also they are not honoring a credit when opening a new account. I asked about it and was told I have to open account online or in branch. However I did try online but was told so have to call to finish opening account.
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| 09/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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My bank changed my account numbers so that I could not access the money. My app pulled up 1 new card numbers that I do not have access to. They changed my account/ card numbers without my knowledge. I need assistance now. The XXXX was XXXX and they made it so that I could not touch the money. I cant touch my money. The bank also changed my Address information when I made the other complaints so my information could not be found in their system.
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| 06/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
Older American, Servicemember |
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I'mpresentlywithRegionBankXXXXXXXXXXXXXXXXXXXXMoXXXX.MyaccountisXXXXrouting#XXXXsocialXXXXI'vebeengettingchargedraftchargesat{$36.00}.peritemplus{$25.00}toreturn.Thisoccurtwotimeperweeksthenitsreoccurthefollowingweeks,checkshasbeengettingranthroughmyaccounts3to5times.Thatcreateanhardshipforme.Pendingdepositbeinmyaccountsaidwillchargefeesreturningcheckswhilefundwillavailable.AnagentofsaidquotaRegionmakemoneyoffoffeesThisisanreprehensiblepractice
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| 07/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my complaint.
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| 04/23/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Late or other fees
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Web |
Servicemember |
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in a time when americans are dying, suffering and lost jobs and income, why ARE some banks forcing us to call each week or month to ask for waiver of fees? JUST WAIVE THE XXXX FEES!!!
REGIONS is a bad bank with no empathy. Although it has waived last. month ; s maintenance fees it requires ME and ALL OF US to call back to ask for or BEG for the wavier when it can auto waive it due to COVID!
it is shameful and regions should be closed down
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| 06/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Incorrect information on your report
- Account status incorrect
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Web |
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Regions Banks are reporting that account was opened on XX/XX/2015 when this account was declined but was reported to XXXX XXXX XXXX XXXX I have never had an account with Regions Bank and they are reporting inaccurate information that may have other financial institutes decline or refused to extend me offer for the next 7 years. Regions Bank pleae provided all methods used by you to report this as accurate to XXXX XXXX XXXX Account Number XXXX
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| 10/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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I received a {$100000.00} check from XXXX insurance for a hurricane Ian claim. Regions released the sum in stages subject to their inspections that confirmed the repairs were made and completed. I then received an additional payment from XXXX for the remainder owed for that same claim. Regions is refusing to issue that check to me, for > {$140000.00}. They have the check now for over a month - generating interest for themselves on my money.
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| 01/19/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have a Regions Bank checking account. I was charged approximately {$400.00} in overdraft fees for purchases, some quite small. Regions Bank never alerted me that my account had issues.
The Regions Bank representatives I contactd in Alabama -- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX -- refused to give me the address of Regions Corporate office so that I could write a letter. XXXX XXXX refused to even give me his title.
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| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act, this creditor has violated my right to privacy. Section 602 of 15 USC 1681 states that I have the right to privacy, and section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instruction. Additionally, under 15 USC 1666b, a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
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| 12/12/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX XXXX. Spoke with representative about my 3 account and she notated that all 3 Would be paid by the end of the month XXXX XXXX another representative called about my accounts and I told her that I have already made arrangements on all 3 of them XXXX XXXX. Another representative called about my accounts and I told her again that I made arrangements and to please stop calling since arrangements were made yesterday and this makes 3 times
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| 07/05/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2022, opened a XXXX Checking account in response to advertisement offering bonus when opening an account, depositing via XXXX a total of {$1000.00} within 30 days of account opening and registering for online banking within 30 days of account opening. After meeting all terms and conditions, it was said that bonus would be paid within 90 days ; however, as of the date of this complaint, no {$400.00} bonus has posted to account.
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| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.
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| 06/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2021 I reported a fraudulent transaction on our checking account to Regions Bank. On XX/XX/XXXX, I found that no action was in process and returned to the bank to complete a claim they then said was necessary to start action. After numerous calls, visits, and letters they finally issued a provisional credit on XX/XX/XXXX. As of this date, approximately four months since this was reported, no final resolution has been provided.
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| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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I made a large deposit through the ATM at the regions bank on XXXX XXXX XXXX in XXXX ms . It was not credited to my account so I made a claim with the bank, it got denied, I made another complaint with the bank it has been denied. I have included a receipt where I borrowed the money from my grandfather, a receipt I printed out after making the deposit when I did not receive a deposit from the ATM and a copy of the second claim letter.
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| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 Region Bank located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.
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| 05/01/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I Have The right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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| 12/10/2018 |
Yes |
- Checking or savings account
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I had two line of credits, its showing as a hard inquiries. I got the credits lines to build my credit but somebody told me I didn't need to have two credit lines to build my credit so I closed them out. I never even used the lines of credits. now I'm stuck with a hard inquire that wont seem to go away and its been almost 3 years now. i was young and trying to build credit but in the long process it hurt me because I closed them out.
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| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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There are 3 hard inquiries listed and XXXX. The was a data breach with all 3 credit bureaus. I have not provided or requested a credit iniquiry from any institution.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
i have contacted all three creditor reporting companys
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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| 01/31/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.
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| 01/04/2022 |
Yes |
|
- Struggling to pay mortgage
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Web |
|
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My mortgage was at a price that was paid and now the hazard insurance as when up causing the mortgage to go up. From {$480.00} to {$650.00} dollars to be paid over twelve years. I want to sell the house but it needs some work done to it. I am in the process of getting a divorce. Is there something I can apply for that will give me some of the money I paid into the house. I have live there for 7 years and we have a 30 year mortgage.
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| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
|
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I incurred 6 overdraft charges in one week With regions bank I went overdrawn twice but the bank each time stacked pending transactions in the most advantageous way to take the most charges possible they do the same thing every time so its not coincidental I told them I feel its fair for me to pay two charges I talked to them and they are not interested I feel this is a predatory behavior and needs to be checked Thank you XXXX XXXX
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| 09/14/2017 |
Yes |
- Credit card or prepaid card
- Payroll card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
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|
Web |
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I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.
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| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.
15 USC 1666B : A creditor may NOT treat a payment on a credit/card account under an open end consumer credit plan as late for any purpose
|
| 11/03/2016 |
Yes |
|
|
|
Web |
|
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The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XXXX. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA ).
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| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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A deposit was made on my account..the funds are not stolen XXXX.my 1st deposit was {$4800.00} on XX/XX/2023 and 2nd deposit for {$5400.00} on XX/XX/2023 both deposit cleared..and is still available on my account ..so can you please help me get my funds because the money is not stolen..it 's just a big deposit with a account that I just opened... I would like like my funds and dnt want the account anymore after this ... thank you!
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| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American |
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I am attaching a detail of the events that lead to my complaint.
In summary, My bank, Regions Bank, allowed a fraudulently endorsed check for {$3000.00} to be deducted from my account.
Apparently, the bank of first deposit , XXXX XXXX XXXX, allowed a fraudulently endorsed check to be deposited into an account even though the check was payable to another organization.
There should be no time limit on correcting this fraud.
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| 04/27/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
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|
Web |
Older American |
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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.
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| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
My monthly mortgage payment is {$880.00}. In addition, I will includes funds in excess of {$100.00} as monies for additional principal payment. In the past, my lender has applied these additional monies to the principal but recently the lender has begun a practice of suspending the additional monies for a period of 30 days while the principal interest is still accumulating allowing the additional principal payment to be negated.
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
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I have been banking with Regions Bank over 10 years and lately I have noticed they are charging NSF fees for the payments coming in although the funds come in the same date. They refuse to refund the charges which sums up over $1500. Because of the untimely overdrafts the balance keeps diminishing to cause more overdrafts. I did asked the bank to stop overpaying too avoid the charges but I am still being charged since XX/XX/2019
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| 10/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
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I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam
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| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
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They said they would order the part to fix my refrigerator. The took the broken part. I wrote a check for {$210.00}. There were a few messages that they would order the part. They never did and then I couldnt reach them. Their phone number doesnt work. I read where they have scammed other people the same way. They are foreigners and barely speak English. The person who came to my home had to use a translation app oh his phone
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts REGIONS BANK XXXX XXXX : {$6900.00}
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| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
I have a loan with REGIONS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( REGIONS BANK ) with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX were reporting late and they told me that they would fix the mistakes and then they have not they have the wrong address after i have told them i have not receive any statement and i call on XX/XX/XXXX about this issue and told my payment wasn't due until XX/XX/XXXX very upset about this out come and need my credit back to no lates look at the records and calls regions credit card
|
| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My Payments with Regions credit line in XXXX was late, and was paid in XXXX. Although I paid account to {$0.00}. Regions did not accurately display my payments as they said both months were late.
I contacted Regions and told them the reason I missed was because of bills not being accurately sent to my address due to me moving, and I also did not get correspondence from Regions that I owed. I thought account was at {$0.00}.
|
| 10/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
Regions Bank at XXXX XXXX XXXX, South Carolina, XXXX told me to travel to Regions Bank at XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX and close out my account that they had a hold on because they refused to recognize my home address back in XXXX. This was the same address used and verified to open the account. The bank was gon na refuse to give me my money unless I traveled from XXXX to XXXX to pick up the money in the account.
|
| 08/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.
|
| 06/27/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited my payroll check on XX/XX/23 at a local Regions ATM. My account was opened that same week with them. I got an email receipt of my deposit but the funds have yet to be credited to my account. They had me to open a dispute and said I have to wait 10 business days, I have been to 2 branches and had several conversations to no avail. Meanwhile my bills go unpaid while they have access to my money and they dont care
|
| 04/28/2015 |
Yes |
|
|
|
Web |
Older American |
|
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.
|
| 03/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got a loan on a home I was purchasing. They gave me a PMI. I was trying to purchase a home in a way to avoid a pmi. Then they gave me conflicting information. Now I have over XXXX in pmi charges I can't get refunded. Then my bank said I need to contact XXXX XXXX because they couldn't do anything with out their permission. When I called XXXX they said I could get a refund because there is not an account to give it from.
|
| 01/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
WITHDRAWALS FROM SAVINGS -- XX/XX/XXXX -- {$7000.00} XXXX -- XX/XX/2014 -- {$10000.00} -- XXXX -- XX/XX/2014 -- {$20000.00} -- ANOTHER {$20000.00} -- - {$35000.00} -- -- ONLY TWO WITHDRAWALS -- XXXX PAID WITH MY PAID FOR XXXX XXXX XXXX I WENT SOME MANY TIMES FOR HELP THEY RUN WHEN THEY SEE MYSELF.. XXXX XXXX SIGNED EVERYONE-NOT SPENT ON MYSELF AS PAYEE REP. IN XXXX I RESPECTFUL ASK A CHARGE FOR EVERY CENT. MANY BLESSINGS.
|
| 10/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is a fraudulent account. The police report of the identity theft and theft was already provided to Regions bank back in XXXX. XXXX XXXX XXXX identified that I was an actual victim of Fraud where my purse was stolen with all Identification, debt and credit cards were inside.
Per my notes I spoke with an XXXX XXXX where the charges were supposed to be cleared out the system. I not responsible for this debt.
|
| 08/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My debit card information was compromised and reported on XXXX. I filed a Fraud claim for the charges made without my permission and Regions came back saying that after analysis, they find no evidence of fraud. They were the ones who alerted me of the fraud. How can they say they found fraud, followed by saying that there was no fraud? I am out {$680.00} because of transactions made in a state I have never even been to.
|
| 12/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 07/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
I opened my regions account on XX/XX/XXXX.
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.
|
| 11/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account REGIONS BK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that REGIONS BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 12/09/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX.
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
Asked to close account multiple times, requested to put a stop on everything and they will failed to do this. They keep telling me to call the fraud department and that number hangs up on you. The next issue is they keep reopening an account once you close it. If there are ACH or deposits they should fail and I as a consumer should contact the companies.
REGIONS bank is the worst bank ever. DO NOT USE THIS BANK ....
|
| 12/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
My employer uses XXXX for our payroll cards, XXXX makes it hard for us to do direct deposit with no instructions to do so, the app and website is confusing and not user friendly especially on a smart phone, I have reported fraud on my account they have been no help, I feel like I am being ignored, also they have numerous complaints on XXXX XXXX XXXX, this is a example of a company thinking that they are above the law.
|
| 07/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
When I signed the loan document with Regions Bank in XXXX Florida, my mortgage was suppose to be a conventional mortgage. After I moved in there were tow mortgages both variable and the agent that signed my contract had suddenly disappeared. I called several times and was told that I couldn't go anything about it. I had to refinance and now they have raised my mortgage twice this year alone. I need to have a solution.
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Hello Im reaching out regarding Regions overdraft policy, Ive called the bank numerous times about this issue, I even tried to opt out of the program, I was under the impression that I was opted out so that third parties couldnt charge my account without the funds being available. Ive tried turning off my card transactions and still theyre still allowing payments to go through even when theres no money in my account.
|
| 08/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I banked with regions XXXX XXXX, They give u 30 days to make a first time deposit, I couldnt make the deposit because the online banking app doesnt work and I had to call for a card to be sent out, Im finally able to make a deposit they send it back and close my acc when I have a check coming to that account. I did not have a full 30 days to make the withdrawal and within the time frame I attempted to make a deposit
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
|
|
Web |
Servicemember |
|
It is a CONDATA PAYMENT SOLUTIONS card provided by XXXX XXXX XXXX.
The paperwork it came with, stating " LIST OF ALLFEES '' is incorrect.
It states : " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) fee = {$0.00} '' I tried, it was denied by COMDATA. I called COMDATA and was told my card was not eligible for that feature. But it is on the document provided in a sealed envelope stating as such.
|
| 11/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
REGIONS BANK XXXX XXXX {$250.00}
|
| 05/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Have tried to close my Regions bank account for over a week. Called again on Saturday XXXX and was told it was closed. I check today XXXX and voila it 's magically opened again and I was charged another {$8.00} service fee. Called them today and was told that the fee that posted yesterday XXXX automatically opened the account back up! I ca n't close because the fee is pending. This is absolutely ridiculous!
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My checking account was unsuspectedly frozen and I was requested to visit Regions bank to verify my identity and they would release the freeze and I will have complete access to funds. Regions have not done so. After the pain and suffering of not being able to access my funds I ordered Regions bank to close my account immediately and send the remaining funds in a cashiers check to the address listed on my profile.
|
| 02/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
After a year and a half of fighting with regions bank they finally mailed me a cashiers check with my remaining balance from my checking account but they mailed it to my old address and they have my new address that I provided to them several times on a notarized letter and still they mailed it to an address I havent lived at in over a year and now they are refusing to reissue the cashiers check to my new address
|
| 10/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!
|
| 09/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
I had unauthorized charges from XXXX from XX/XX/XXXX until XX/XX/XXXX and when I spoke to Regions account representatives, they stated that they will issue the refund and directed me to go to a branch. I went to the branch and the manager didn't even know how to process the dispute and finally figured it out and about 2 weeks later I received a letter stating that my claim was denied after further review.
|
| 11/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I was aware of some suspicious activity on my account. I notified them. They said that I have nothing to worry about. A month later 9 or more transactions unauthorized happened in my account. I then notified them. They seemed uncaring and unbelieving. Multiple times I have went to them only to get pushed aside again and again. My account is negotiative and still active and me still unsure how to proceed.
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019 I went to my bank, regions, to find out about a personal loan. I was told they had to do a credit inquiry but that this was not a hard inquiry and would not show up.on my credit report. I recently checked my credit and check everything on it and sure enough a have a hard inquiry from Regions bank, had I known this would happen I never would have given them permission to run a credit report.
|
| 06/09/2015 |
Yes |
|
|
|
Web |
|
|
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.
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Ive disputed 4 late payments listed in my auto loan history with Regions bank because I made those 4 payments the day before the XXXX day.. It was their payment processing system that took extra days to process and in turn made the payment more than 30 days late.. Ive contacted them several times yet no help.. Ive had this account for going on 4 years now and have had no other issues with late payment
|
| 09/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I switched from Regions bank in 2021 because their overdraft fees was rediculous and overdrafts was shady like one month it would only let me overdraft by atm, the next it would only approve in store transactions, sometimes it would only approve certain transactions such as phone bill water bill. It made no sense.They charged me {$1200.00} overdraft so I switched banks and have had no problems since.
|
| 04/14/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
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.
|
| 09/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
The banking institution allowed a financial depository to claim a withdrawal and refused to file a report of fraud to the financial depository about a false withdrawal the financial depository informed me that they have never received the fraud dispute from me or my bank and that it is their obligation to contact them.
Banking institution is regions Bank.
The financial depository is XXXX XXXX.
|
| 11/09/2018 |
Yes |
- Credit card or prepaid card
- Payroll card
|
|
|
Web |
|
|
I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated.
I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll.
This not fair as the amount is exorbitant. Thank you
|
| 03/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2019 we reported a fraud dispute form to SuperFleet Mastercard stating that one of our company gas cards had been stolen and there were multiple fraudulent charges made at a gas station in XXXX Ohio. There were multiple purchases of Premium Gasoline made on the same day very obvious fraudulent activity. SuperFleet would not cover the charges and sent our statement to a collection service.
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Regions Bank - XX/XX/XXXXXXXX XXXX
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am receiving medical bills for a extensive medical procedures in 2020 that I did not have. I did not have any medical services in 2020. As for Regions Bank Mortgage. Refinance at the lowest available rate. Ive never been able to get that. XX/XX/XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other black people to get home equity loans at the lowest fixed rate.
|
| 01/22/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.
|
| 01/04/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
My husband XXXX on XX/XX/2022. When my husband XXXX XXXX we were current with our bill. With XXXX XXXX i have had a hard time to make payments however, I have paid the regions bill out and i need to be able to rent a home in the state of Florida however, with this on my credit it is very hard to get placement. Please reach out to regions bank and request this be removed from my credit bureaus.
|
| 10/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regions and their overdraft fees have been beyond ridiculous. They have been doing it for years. There has been several times we have wondered why they have been taking so much. Its out of hand. I did read where regions was getting sued for this. We had one account, then closed it and opened another account with them. So far no fees with the new account, but our other account it was continuous.
|
| 08/23/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX
|
| 11/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
My XXXX credit card payment was {$290.00} which i had paid in full.
When i received the XXXX statement ; i saw there's interest charged {$2.00} on my statement. i do not know why?
I have called the REGIONS credit card company about my issue on XX/XX/2021 ; but the representative told me that she can not remove the Interest Charged.
Obviously ; this is a kind of ABUSE CHARGED.
XXXX XXXX
|
| 05/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I had one late payment over 46 months ago. I've tried calling to speak to someone about forgiveness on this as I've only had one late payment in over 5 years with this line of credit but no one at Regions seems to know who I need to speak to. I keep getting told to call numbers that just referred me to their number. It's frustrating, that the employees CAN NOT point you in the right direction.
|
| 03/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
Regions Bank does not report credit information accurately to all credit reporting agengies. Why doesn't Regions have a duty to report TRUTH IN LENDING CREDIT REPORTING? REGIONS FAILS TO REPORT see attatched 1 ) Regions Account ( XXXX ) {$50000.00} PAID AS AGREED XXXX BALANCE CLOSED XX/XX/2013. and 2 ) Account ( XXXX ) Limit {$15.00}, XXXX PAID AS AGREED XXXX BALANCE * NO CLOSING DATE?
Why???
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX I had a fraudulent XXXX transaction. I called the bank as soon as it posted ( less than 2 business days ) The bank basically says I did it and will not put the money back. I asked for paperwork supporting the denial and they sent 3 screen shots. Luckily a teller at the bank printed the whole investigation file ; ) so I know that what the bank says and what they found are not the same.
|
| 02/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The # is XXXX XXXX a landline in Alabama giving an XXXX saying that they are Regions Bank attempting to collect a debt. I have NO accounts with regions and even called them gave them the # which keeps leaving messages even though the # is blocked. They have reported this to their fraud department. I owe NO debts to anyone!!!
I haven't called either of these # 's back as I know this is FRAUD!
|
| 04/19/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have sent a message to the company in charge of comdata. I have explained to them that the atm made a mistake when it dispensed the money i was supposed to receive. I have not heard back from the company and the representatives keep informing me that it would take about 60 to 90 days to resolve my dispute ; please advise they have been taking longer than normal with the disputed transaction
|
| 04/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I applied for a credit card for Regions Bank. I have a credit score above XXXX. I have never defaulted on a card and never had a late payment. I own my home with no mortgage and I am not a financial or credit risk. I have outstanding. I am unclear why my credit limit is so low at {$1700.00}. I feel as though it is arbitrary based on my protected class because my credit history is impeccable.
|
| 03/03/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I applied for the BP business solutions gas card in XXXX with the wrong EIN, so the representative on the phone deleted the application and processed a new one in XXXX. I never heard back from them, and they already pulled my credit on XXXX. I had a XXXX at the Time and still have good business credit. I called multiple times and never received an approval or denial or anything in the mail.
|
| 09/25/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
|
| 08/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
XXXX XXXX there was an {$300.00} being reprocessed on my account due to payments that I havent payed or even subjected to swipe my card, I also included information on why my account was being charged due to a friend stealing my information. XXXX XXXX I no longer have info for my regions account due to owning regions {$300.00}. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, email address XXXX.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was charged an overdraft fee yesterday in the amount of {$36.00} but there was money in my account. I received a refund that was available on my account when they claim the transactions took place, but Regions Bank seemingly rearranged the transactions to where my account would overdraft. I am also not enrolled in standard overdraft coverage so i dont understand why I was charged a fee.
|
| 08/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I had a write off at Regions Bank and they told me that I owed {$400.00} on account # XXXX and {$84.00} on account # XXXX. I over paid $ XXXX hoping they would force open the accounts but now the claim I still owe $ XXXX because the amount originally given me was in error that I owed more. They never would send me a balance payoff as I so requested at the beginning of the payment off plan
|
| 07/02/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
My husband and I opened a savings account with Region 's Bank a few years ago and had my husband 's SSD directly deposited. The bank suggested with open a XXXX XXXX XXXX account which we did, not the bank has put us on notice if we do not open a XXXX our savings account will be converted to a regular savings account with numerous fees. I think the bank does not care about loyal customers.
|
| 08/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a loan on XX/XX/23 and the principal balance was XXXX, XXXX. I was told that the interest rate was 10.99 % but was not told that it was daily interest. When I asked, I was told it was in the fine print. The statements that I receive does not show the full amount owe, it is noted to call for full amount owed. The statement does not show interest accumulated or other charges.
|
| 06/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2019 I received a notice in the mail from XXXX XXXX XXXX XXXX a debt collection company and they are attempting to collect a false debt. XXXX admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.
|
| 01/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I have been without my new ( renewed ) ATM Card sinceXX/XX/XXXX I have sent myriad requests to obtain my new ATM Card. I've been told that it has been sent to me sinceXX/XX/XXXX ( 1st that it would take 15 days, then 30 days, then 45 days ). Today isXX/XX/XXXX and I have still not received it. This is my 2nd complaint to XXXX and my American bank has not responded to your first request.
|
| 05/14/2016 |
Yes |
|
|
|
Web |
|
|
Regions Bank charges a Fee of {$1.00} if you pay early on your credit card account. Not interest, just my normal monthly payment I pay in full each month. Yes, they waived it, but I had to call. I 've paid early on various other cards under the same conditions, and never seen any penalty for paying a few days early.
Please determine if this policy conforms with regulations.
Thank you
|
| 01/17/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
My windows were installed by XXXX XXXX XXXXXXXX. My loan was with Regions now Enerbank. The original loan was for windows in the amount of {$11000.00} on XX/XX/year>, I have made a totaled payments in the amount of {$1500.00}. My balance is {$11000.00} which does not make any sense, I was just informed today the interest was compiled daily. The more I pay the more interest they get?
|
| 03/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Since being a customer with Regions for the past 14 years I have been charged an excessive amount of NSF fees based on an unfair methodology used to calculate said fees. The method used by Regions to calculate their NSF fees is unfair. The most recent situation has allowed for Regions to charge me three ( 3 ) NSF fees on a positive balance of {$28.00}, as shown in my online banking.
|
| 06/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I spoke with Region Mortgage advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the 7th of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XX/XX/2019 Regions has only updated XXXX that my account is not past due.
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not give Regions written permission to file anything on my credit report.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
|
| 09/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.
|
| 10/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I had open accounts and they accused me a red flag had got all my information and open my account when I got ready to deposit money in the account it was closed and they charge me all type of fee I dont know wat wrong with this company getting people money and business and still treat us like animal and take money money we dont no about and closed accounts without our permission
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Credit fraud on the following accounts : XXXX XXXX {$550.00} acct # XXXX XXXX XXXX {$550.00} acct # XXXX XXXX XXXXXXXX {$410.00} acct # XXXX XXXX XXXX {$420.00} acct # XXXX XXXX XXXX XXXX {$1800.00} acct # XXXX XXXX XXXX XXXX {$300.00} acct # XXXX The following laws have been violated : 15 U.S. Code 1692e 15 U.S. Code 1692f My identity theft ( idtheft.gov ) reference # is XXXX.
|
| 06/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
The loan company put money into my bank account which froze my bank account. Then when I tried to contact them they acted like they knew me thought it was funny and kept saying I love u. My bank account is still froze. My pay check was direct deposited into that account and I cant even touch it. So I got an eviction notice and my fines are past due so I am going to get a warrant
|
| 12/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.
|
| 01/26/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I have had a checking account with Regions for over 20 years which provided free checks if I maintained the required balance. I call Regions today on XXXX/XXXX/17 and spoke to a manger who advised me they had changed their policy and free checks were no longer available. I reminded him that when I applied for the checking account they stated free checks were part of the package.
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report.
This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
|
| 06/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Monday XX/XX/XXXX at XXXX XXXX I instant transferred my earnings from XXXX in the amount of {$100.00}. Overnight, my deposit has disappeared and my account has become negative. Regions intentionally removed my deposit to overdraft my account. I opt out of overdraft coverage so this scenario shouldn't be possible. I have to have an available balance to make any transaction.
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company is inaccurately reporting late payments to the credit bureaus. I was never late paying this account. This account was paid in full on time. I have tried to get this resolved with this company by telephone and the company response was that it will stop reporting this incorrect information but this has not been corrected. This is a common practice for this company.
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received emails indicating that 2 accounts had been opened in my name and that standard overdraft coverage for ATM had been declined. I never opened any accounts with Regions Bank and tried calling them to resolve the problem. They would not look up the accounts without me giving my social security number. They told me to file a complaint with the consumer finance website.
|
| 06/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
Older American |
|
I have a prepaid card issued by Regions Bank. On Saturday XX/XX/2019 at XXXX I tried to deposit XXXX on to the card at their atm at XXXX XXXX XXXX, il.
It took the money and never closed the cover, therefore in order to get my card back I had to cancel the transaction.
When I cancelled the transaction the cover shut did not give a receipt stating transaction was cancelled.
|
| 05/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
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.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
# XXXX, has violated my rights.
15 USC 1681 Section 604 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My credit score with XXXX decreased by XXXX points in a matter of a month and nothing about my credit profile and spending habits changed. I am not late on any payments, I am not over charged on any credit accounts, and I pay all of my credit bills on time. I applied for a business credit card thru Regions Bank, and after they ran a hard inquiry, I was docked XXXX points.
|
| 11/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Regions Bank XXXX {$1300.00} Regions Bank XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to regions and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.
|
| 07/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
after checking my credit report I discovered credit card accounts had been opened using my name and social security number, his address and phone number not mine.XXXX card XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance and XXXX XXXX which has been turned over to a debit collector. All opened in XXXXwithout my knowledge or permission
|
| 07/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Please refer my previous complaint ( XXXX ). Finally, after a lots of follow-ups I was able to get my online access with not much help from Regions bank.
But now Regions bank is giving me tough time to give my {$400.00} cash back bonus for which all the conditions are met except online account statement ( which i can not do because I had no online access for so long ).
|
| 06/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
Received a credit card via 2 day XXXX XXXX looks totally bogus. Never applied for any credit card. Received on XX/XX/22. Did not call number on back as I believe this is some type of scam. It shows XXXX logo but does not say XXXX. Customer service number on back of XXXX. There was no terms or explanation with the card just a card in an envelope sent in a XXXX envelope.
|
| 11/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Regions bank of Alabama has charge my account several false overdraft fees and will not reverse them. I have explained them how it is inaccurate and I have receipts to prove the fees are false, the agent did not care to listen. Some of the charges are noticeably false. Please help. After review I have found that this same bank was fined for similar reasons in the past.
|
| 09/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American, Servicemember |
|
Regions Bank mailed me a credit card offer, their Signature Prestige Visa, which promised a {$150.00} cash bonus if I made {$1000.00} in purchases in the first 3 months after opening the account. I applied, was accepted, and received my card in early XXXX. I made {$1000.00} in purchases in the first three months, but Regions refuses to pay me the cash bonus promised.
|
| 08/16/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
If a consumer does not report authorized ACH entries with sixty days of receiving the periodic statement with the unauthorized transaction, does Regulation E dictate that financial institution must refund the amount of the unauthorized entries occurring with the sixty days of the periodic statement. I am confused with 1005.6 ( b ) ( 3 ) and the official interpretation.
|
| 05/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
In this XXXX , I opened a new checking account with Regions bank as the promotion required. I met all requirements in the first month but I have n't received the opening promotion offer of {$400.00}. When I contacted the bankers recently, they told me additional terms which were not on the promotion at the time when I received and then told me I didnt qualify it now.
|
| 01/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
In attempting to pay off the loan balance, I have repeatedly tried to contact Enerbank to find the loan payoff amount and process and have not been able to reach them for a response. The main problem I face is that, unlike any other financial product I have had, the loan payoff is not provided on written statements or online nor is an option to pay the whole balance.
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Region charge overdraft fees for over {$180.00} in 2 days same day {$100.00} same day {$100.00} today the charge me {$100.00} even if make deposit {$1500.00} and i try to stop check they said that i have to pay {$36.00} for stop and i agree but now is {$36.00} for overdraft plus {$100.00}. is not fair. please they charge a lot money and i receive payment every week.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
|
| 07/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I called to get a promotional balance transfer. I was told yer and given promotion over the phone. Now Regions bank will not honor the balance transfer. They are charging 19.9 % interest rate and a balance transfer fee of {$230.00}. I am 100 % sure it was a promotional rate if not would have never done. Their employee made mistake and does n ; 't even want to honor.
|
| 11/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
|
I am unable to retrieve the funds on my account without incurring a fee. I XXXX XXXX and received this card from XXXX. In the agreements, it says {$0.00} teller withdrawal fee but when i called to ask what my daily limit was, i was told my card wouldn't work at a teller. This was the only option to take out the funds from this account. Something doesn't seem right.
|
| 05/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Authorized User on the REGIONS BANK - I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
|
| 10/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regions changed me surprised overdrafts fees on certain a ATM withdrawls and debit card purchases despite telling me that I had insufficient funds in my XXXX account. During XXXX XXXX XXXX. With this being said this institute would post me having money in my account, yet using the card the transactions would post incomplete, requiring me to pay an overdraft fee.
|
| 03/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I continue to incur unnecessary charges to my account.
I have been attempting to have thee named fees returned and the bank refuses when most of them aren't valid and the other half are mistakes that need correcting.
I need help resolving this issue prior to closing my account. I do not have funds to simply " throw away ''.
Please advise, I await a reply.
|
| 03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit report.
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
Regions bank took {$2000.00} out of my savings account for a secure loan of {$2000.00} I informed them to keep the {$2000.00} they took out of my savings account to pay off the secure loan in full and close the account they took my money but they are still trying to collect money from me bye sending me a bill still on this account which should have been closed.
|
| 06/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX XXXX XXXX check deposited {$600.00} and paid a {$5.00} fee for immediate deposit. I noticed that the deposit sequence was not customer friendly and I was charged NSF of {$72.00}. I called the bank, they know Im elderly and on a fixed income, and the couldnt show me the courtesy of trying to resolve this issue.
Please help me.
XXXX XXXX XXXX, AL
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX and Regions should look at this also XXXX opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from XXXX XXXX Regions XXXX XXXX XXXX name goes on and on
|
| 01/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
A wire transfer was done to XXXX through Regions, however, XXXX called XXXX later that A/c was fraudulent due to a scammed email of incorrect wire tranfer info., to go put a stopment at Regions. ; which was requested the same day. However, Regions Bank was not aware ob how to deal with the issue with XXXX XXXX, causing tgem to close the case, after XXXX weeks.
|
| 02/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Used " Been Verified '' offer 1 day {$1.00}, paid for it & done. Then a charge of {$31.00} left me a balance of {$1.00}, which I didn't authorize or use services. Filed a dispute onXX/XX/2021 Was told by CSR XXXX days for answers. I updated numerous times same run around with no avail. Now we are XXXX days from 90 days & I know no more than I did XX/XX/2021
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a car that I had to give up because of monetary issues.There were no payments ia arrears.I called the financier to come and pick up said vehicle.The car was sold and the remaining funds that were owed have been paid off.I want to know how to get my credit report cleared of this action as a " WRITE-OFF '' transaction! Please respond to this e-mail ASAP!!
|
| 08/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Regions it at it again. My account was low so i stopped using it for a few days. Regions seems to be re arranging charges/transactions in order to elicit NSF Fees. When I go to bed my account is green. When I wake up it's in the red plus overdraft fee. This is not the first or second time. Charges that have already cleared will show as pending in a few days.
|
| 08/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received in the mail on, XX/XX/2023 ( it was post marked XX/XX/2023 ) a letter informing me that I have opted into overdraft protection however I have never had an account with Regions bank. I have not authorized anyone to open an account nor have I opened an account. I need this resolved please. I have never had this happened before and it is scaring me.
|
| 02/07/2017 |
Yes |
- Prepaid card
- Payroll card
|
- Unauthorized transactions/trans. issues
|
|
Web |
|
|
Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.
|
| 09/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Im being told that I owe XXXX for a card Im very unaware of The card was opened back in XXXX of XXXX Also shows a secured loan and a bank account that was used as well Where withdraws and deposits were made I just settled the same case with XXXX XXXX which I did not have at all but it finally got closed after 3 months of me being told my info was verified
|
| 01/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
My auto loan was paid off XX/XX/2019.
I overpaid {$690.00} and asked for a refund. The bank wont provide a refund of the overpayment without asking two times.
My account has been closed so Im not able to gain access and submit a request.
Ive tried calling multiple times, and hold the line for an hour multiple times before ha hanging up in frustration.
|
| 07/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My account balance w as discharged i n a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX file d XX/XX/XXXX . To date the financial institution has continued to report my account negative to XXXX XXXX . I w as granted relief from this debt and I want the account removed from XXXX XXXX immediately.
|
| 08/11/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.
|
| 03/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.
|
| 01/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child
|
| 12/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Regions Bank Institution is charging me overdraft and non-sufficient funds fees ; I have paid Regions Bank Monies with regards to the personal line of Credit to bring that Account to XXXX Monies owed.
Regions Bank unlawful practices are unfortunate. This will be the second unlawful fees reporting I have from filed.
I have documented files to upload ;
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Regions has been reporting an account delinquent that never was. According to statements and printouts from the bank the account is current. There are late fees that are passed due but payment has been made before being 30 days. Regions back office and branches can not figure out why the systems do not match up. This is affecting my credit and business.
|
| 03/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
XX/XX/XXXX I submitted a REGIONS complaint CFPB XXXX of NO RESOLVE ID THEFT FRAUD this is * Still OPEN * REGIONS NO RESPONSE. 1 ) Regions sent me to collections for ID THEFT FRAUD beginning XX/XX/XXXX. 2 ) Regions does Not resolve fraud. 3 ) Regions does not respond to complaints to CFPB. 4 ) Regions provided NO ACCESS OR XXXX XXXX OPTIONS FOR MY XXXX.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
My best friend XXXX XXXX transfer to me XXXX us $ from his regions bank account ending on XXXX to my regions bank account ending on XXXX at the day XXXX, the both account was blocked and i can use my funds, and customer service said that they have to check the transactions and we also verified all the movements buy they dont want to release the funds.
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
Hello I contacted my bank and let them know I lost my bank card this is very unbelievable I never in my life experience this. And my debit card was use for {$3900.00} dollars of my hard working money. I really need my money and is under XXXX due to this happening I pray to XXXX find the thieves I have a XXXX XXXX XXXX daughter this is very terrifying.
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Over the past few months I have been charged numerous overdraft fees due to pending deposits. On XX/XX/XXXX I was charged {$100.00} in overdraft fees but I had money in my account and would not have been negative had it not been for fees,. When this fee posted it brought my account negative and then I was charged {$100.00} the next day on XX/XX/XXXX!
|
| 11/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American, Servicemember |
|
Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!
|
| 07/13/2015 |
Yes |
- Prepaid card
- Transit card
|
- Unauthorized transactions/trans. issues
|
|
Web |
Older American, Servicemember |
|
I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss.
|
| 07/06/2016 |
Yes |
|
|
|
Web |
|
|
i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.
|
| 12/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2020.
I sent a secure message to the bank asking them to close my account.
They replied on XX/XX/2020 saying that I need to go to the branch.
Theres a global pandemic going on and I have elders at home so I cant risk going out.
One month later XX/XX/2020 they still havent closed my account and now its over drawn from monthly fees.
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I opened an account with Region Bank back in XXXX XXXX XXXX dollars was stolen out of my account between XX/XX/XXXX and XX/XX/XXXX. I reported the matter, I cooperated with the bank did everything they told me to do as far as filing a police report. The bank had decided not to refund me my money back. My money was stolen and I want my money back.
|
| 12/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
XX/XX/2018 they said i missed a payment. I have not missed a payment in XX/XX/2018 till this time. I'm a XXXX XXXX and I'm in the process of buying my first house. But it wont allow me to because my credit score is to low. This is a good will letter, to clear all the late reports off my credit with this credit card. reporting to all 3 creditors.
|
| 05/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Signed up for over draft protection through regions agreeing to {$36.00} over draft charge but recently over drawn account and was charged {$100.00}. I contacted Regions about the unfair over draft charge and was told thats how its going to be and it can not be refunded. Im very upset about this and will be closing my account through Regions.
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
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.
|
| 06/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have contact Regions Mortgage and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.
|
| 06/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a letter in the mail from a credit agency ( XXXX ) stating that I have a dept from regions bank and I needed to pay the debt collector. However I do not bank at Regions Bank nor did I have an account with them. Someone has stolen my information and opened and account on my behalf without my permission or knowledge, this is fraud
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Regions Mortgage has reported that my mortgage payments are late. And this has been falsely recorded by XXXX and reported as part of my credit report. This however is NOT true. My mortgage payments have all been made on time and in full. Regions claim that my account is delinquent is false. This must be rectified immediately if not sooner.
|
| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed a chapter XXXX XXXX. My bankruptcy has currently been completed as of XX/XX/XXXX. Doing the bankruptcy I didnt include my mortgage. I paid it outside of the bankruptcy. Regions Mortgage and Bank will not report accurate information on my first and second. The bank says its the credit company and the credit comapny says its the bank.
|
| 05/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Regions Bank Teller withdrew {$2000.00} dollars from my saving Account At the XXXX Branch XX/XX/2020 without my knowledge. And the bank claim to have a video of tranaction of me doing so, the bank want produce the video. so I filed a fraud complain with the banks fraud department. also filed a police report with the XXXX police department.
|
| 01/05/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I came across information re the overdraft lawsuit with regions. I have incurred overdraft fees and held deposits over the XXXX years of banking with them. I have complained for years. Commonly about my deposits going in after transactions to cause the overdraft fees. I would like to be added to the current overdraft lawsuit if I am able.
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have an account with regions bank and I am being charged excessive withdrawals fee incorrectly. Whenever I contact them in regards to this, they do not want to credit this back to my account. I have also received discriminating remarks from there staff in the Florida area and North Carolina area. So I would like for this to be resolved.
|
| 09/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XX/XX/XXXX and its also reporting as opened on XX/XX/XXXX first inaccuracy this account is paid and closed at a XXXX XXXX credit report says its deposit related while the other two says installment. the amount is {$250.00} again with a XXXX balance and closed i called the company but they refuse to remove the account or report as positive
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
Was charged 10 overdraft fees for transfers I didn't approve from a account that was hacked and fraudulent transfer was made resulting in negative balance of $ XXXX and charged {$360.00} for Nsf and overdraft fees and trying to dispute transactions because of account being hacked and transfer made was not by me it was fraudulent transfer
|
| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened a XXXX checking account on XX/XX/2021 with a {$400.00} bonus promotion. The bonus was to be paid upon 10 debit card ( checkcard ) transactions within 30 days of opening the account. I made 10 purchases to XXXX within the 30 day period. It is now XXXX and I still have not received the bonus as stated in the terms and conditions.
|
| 09/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score.
No derogatory information should have been reported, because the account was closed in XXXX.
|
| 01/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
# XXXX - XXXX 1. I took email, code to regions local bank 2. I did XXXX ATM DEBTs 3. A direct deposit more than {$500.00} was done Its say very clear, regions bank gives {$300.00} bonus, the major problem is were is the {$300.00}?
4. Is it fake?
5. Is it good for all bank customers?
6. Does a bank have the right to have false claims?
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
I tried to close my accounts in XX/XX/2020. Bank failed to close one account and deducted {$18.00} per month in fees. Over the past seven months I have tried at lest ten times to close the account, both in person and via telephone, without success.
A can not obtain my balance from this account nor can I get them to close the account.
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
{$4500.00} in fraudulent transactions on debit card ending in XXXX occurred, which is representative of Regions Banks reputation for allowing fraud to occur then resolving the situation afterwards. Much undue stress on the client with no temporary credit and probably the maximum 10 business days to resolve to the clients satisfaction.
|
| 08/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Applied for auto loan with lender and was told I was pre-approved. XX/XX/2023 credit transaction was taken place after I completed the application using my personal information and security information. Called company and wasnt able to receive any help. They letter they send is in violation of my Equal Credit Opportunity Act and FCRA.
|
| 08/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
I have had enough of big banks stealing money from me because i did not sign up for overdraft protection and was taken for XXXX i am a XXXX veteran who was hit with by the pandemic i can not afford to be taken advantage of like this because they dont care can and will be homeless if cant pay their bills because of your outlandish fees
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX Prior Case Credit Submitted by Customer Representative did not fully complete all as promised.
I was promised a credit which was provided - Completed I was promised a letter of clearance This entire conversation was recorded as proof of promise and will be attached. The debt was paid and letter of clearance was never provided.
|
| 06/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The collection is not from the original creditor. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.
|
| 05/13/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Confusing or missing disclosures
|
|
Web |
|
|
My tax refund of XXXX and my stimulus check XXXX went into another account off by one number I told them it should have never went into another person 's account should have bien rejected and sent back to it's they told me account holder spent it already and it was my mistake sorry but your money is gone we can't do anything call IRS
|
| 04/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
XXXX XXXX got a small loan with Regions Bank. They are trying to make it look like a credit card. These people are crazy. Since when did they give credit limits on a personal loan? Payments are being made but they are not acknowledging the payments being made the balance is not being updated either. The balance is remaining the same.
|
| 06/06/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
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.
|
| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a credit card with my Regions bank. I paid off the balance of that card on XX/XX/23 in the amount of {$9500.00}. I then get another bill of {$120.00} on XX/XX/23! I called them and they said this is a " trailing interest ''.
Paying off a full amount is a huge deal, and then seeing more bill afterwards is just not right?!!!
|
| 03/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Regions had been stealing money. Not applying it to the account. Marked me>30dpd XX/XX/2019. I made aXXXX. Credit card payment. They never put it on my account. I disputed. They said don't make a payment soon as XXXX days was over I got 2 late charges. They would take my credot and add it to the charges. They owe me a lot of money.
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Company denied my application I paid off my debts on a account I dont remember for only XXXX and I received a letter saying Im not eligible to have a account it didnt give me the reason why and I dont know if they are checking my credit or not and I need to know why I cant have a account with this bank and someone give me a reason
|
| 03/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
I was the victim on an online job recruitment scam. I was sent a check for {$5200.00} to purchase materials with. I deposited the check on XX/XX/XXXX. I sent money through XXXX and XXXX to who I thought were XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they returned the check and I am now over XXXX XXXX dollars negative in my bank account.
|
| 05/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Im responding saying that I wont be able to pay it right way Ive been trying to find a job for months i got kicked out moved to XXXX and couldnt find a job there so I moved back to XXXX with my girlfriend and ur grandma to find a job but still nobodys wanting to hire me I need time to get the money Im sorry for any inconvenience
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am being charged fees everytime I receive unemployment without my account ever being negative. On two occasions the overdraft fees have place me in a negative balance. Regions is placing the withdrawals prior to deposits and never showing that you are negative or pending negative. Something is going on here, please investigate.
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
According to the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
|
| 12/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Got a personal loan through regions bank to build my credit and was set up to auto withdrawal from my checking account in the amount of {$15.00} and was not made aware that there was a hiccup in the auto withdrawal process that caused a late payment without my knowledge. Have filed a complaint with regions bank but was no help.
|
| 07/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/19 I deposited a check for XXXX from my husband account the funds cleared on XX/XX/19 was told there was a hold on the check because its a new account I deposited a new a check on XX/XX/19 for XXXX the bank is holding my funds and is refusing to give me my money and both checks cleared on the account it was written on.
|
| 11/26/2022 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Problem getting a card or closing an account
- Don't want a card provided by your employer or the government
|
|
Web |
|
|
I believe someone may be committing fraud using my personal information for employment. I received a letter from Comdata congratulating me on my payroll card, along with a pin and phone number to contact them. I filed a report with the FTC. I tried calling them and I get a machine asking for a card number. I don't have a card.
|
| 06/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Regions Mortgage is frauding checks to me. they are sending me Escrow Payments from my insurance company for hurricane Ida repairs. Regions had mailed checks twice pay to order of wrong payee. called on XX/XX/XXXX and no response or solution. I'm suspicious they are stealing my money. the current escrow amount is {$240000.00}
|