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The online amount will say one thing and I will balance it to the penny (I am a former banker) yet overnight funds will literally disappear. They are thieves pure and simple. Get your money out of this so called bank.


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After noticing a transaction in my account I didn't make, a charge that caused an overdraft on my account twice I called the bank. On a 3 way call the bank representative heard the company apologize and say they would be refunding my money that it would take about 10 day for the transaction to reflect in my account. After hearing this the representative informed me they would be refunding the overdraft fees accumulated on my account. The next day the fees were still on my account.


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They cancelled my debit card due to fraud. I asked them if doing this would mess up any pending transactions and THEY SAID NO! THEY LIED! I had only disputed one transaction but two days later started receiving one letter after another where they had put a hold on transactions that I didn't dispute. It took them days to get that straight but now the next issue is there are merchants who are trying to issue refunds that can't due to the old card being no longer active. The merchant says one thing and US Bank has no clue. When you call US Bank you end up being on hold for hours at a time! Then they have the nerve to ask you to complete a survey... I'm looking for a new financial institution as soon as I get this whole refund issue resolved! US Bank Sucks! PERIOD.


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I’ve been a US Bank customer for over 15 years and have perfect credit and a large mortgage loan with them. I decided to pay off the remainder of my smaller equity line early and accidentally left 1 penny in the account. They didn’t send email, mail, or call that I had an outstanding balance but instead sent it to the credit bureau after two months who notified me. Once I figured out what was going on and that it was a US Bank account, I immediately paid my account. US Bank says it wasn’t their fault and won’t remove the delinquent notification to the credit bureau. All of this over a penny after I paid off a huge lump sum years early. It’s the worst form of customer loyalty and respect I’ve ever encountered. They’re willing to ding my perfect credit over a penny that they didn’t send notification was still due and are unwilling to help clean up the mistake.


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I wish someone would look into these 'reserve lines of credit.' I don't ever recall requesting this, setting it up, and I know I haven't used these funds. Yet somehow I owe them over $200 on an account I NEVER use?? I would never have known this, if I wouldn't have decided to just close this account.


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I called US Bank on 11/07/17 and reported fraudulent activity on my debit card (Reliacard) account. The agent told me that they would flag the account as fraudulent and that my current card would be immediately canceled and I would receive a replacement card within 5-7 business days. Two weeks later, no card in sight. The following Monday, I called US Bank to speak to an agent about the matter of not receiving my card in the mail. I spent 10 subsequent lunch breaks at work trying to get in touch with an agent with no avail. My lunch break consist of 1/2 hour so If I was on hold for longer than that 1/2 hour, I would have to hang up and call back the following day. After exhausting my efforts, I tried to call on a Sunday (my only day off) and much to my surprise I got through to an agent. I explained to the agent that it has been over a month and I still did not get my replacement card in the mail.


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I deposited a thousand dollars in the ATM at a branch and all I have is a receipt. It takes 10 days to get a provisional credit and I have bills due now. I will never use these guys again. They royal screwed me and they don't really seem to care.


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Been using Bill Pay since inception and lately having issues with the checks getting to where they should - checks are being returned by the PO saying invalid address. Says it is with the profile of the biller information but I checked and all the information is correct. Called Customer Service, 10 minute wait for a pretty rude agent and then 15 mins for a supervisor - when told I'm being transferred to a supervisor/manager another wait of over 10 mins. This bank is not what it use to be. Local credit unions have been doing a better job for me lately.


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Available balance is not your available balance. I pay my bills online. It shouldn't take a week to post. Makes it hard to keep up. And when I'm out doing errands, grocery store etc, I need to know. I think they do it on purpose so they can charge that huge overdraft fee of 35 dollars. 35 dollars?? That's robbery. 35 bucks for being 7 bucks over. Screw you.


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I asked how to prove I'm a student. To get a free account. She said "Ok. Wait a sec and there I put down that you're a student now it's free." Well guess what. I'm negative $8.60 because of BS fee saying I'm not a student. Never trust anything their tellers say. They are worthless lying pieces of **. Who are out to hurt people with $10 to their name and need to eat. I called customer service and was told all she knows is what it says on her computer. And there's nothing she can do. Another worthless CSR who can't do anything to be of any help to anyone.


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Absolutely the most inept financial institution I've ever dealt with. I fell behind in my auto loan by two payments after being off work for two months due to an injury. I paid the delinquent funds. Four days later my vehicle was repossessed. No notification whatsoever. When I called them they didn't admit their mistake however did say that they would waive the repo fee of $500 and that I would have to pay $180 in late fees to acquire the vehicle. I paid it online (There are no US Bank locations in my state). 


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I almost never go thru the hassle of setting up an account to write a review, but I just couldn’t let this experience go without telling whomever reads this to stay away from US Bank. The federal government should launch an investigation into this deceptive company. I’ve been a Harley-Davidson Visa account holder since probably 2004, and always paid my statement off generally every month. 


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This is the worst bank ever. I had tried for 2 weeks to add direct deposit, Did not work. So I was overdrawn because of the lousy bank not accepting the direct deposit. So they contacted me several times. Nothing has been completed yet. They still try to charge you by adding fees. What a Crap ** Bank. Stay away.


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On 10/4/17 I noticed on my business account that I was being charged for merchant services that I cancelled on 7/3 with teller C ** in Dunsmuir and a 1.5 hr wait on the phone with Elavon. Only to find out that I was being charged for services not rendered. When Confronted, Dunsmuir mgr S ** said in a week to 10 days 89.00 would be refunded... 10/25 and multiple charges later I received 74. Dollars and multiple service charges later I asked for them to be reversed... S ** said request was Denied by Jill **. The most unethical employee known to US Bank. Even laughed at an employee and her assistant mgr for failing an audit. Can you say low class? Closed all my accounts and warn all involved with this shady outfit to do likewise... Run... Run away from them fast... At least if you are in the Shasta Humboldt dist.


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Never in my life have I choose to use such a terrible bank. They forget to tell you that every time you check your account balance at a non US Bank atm you will be charged three dollars. Just to check your balance then if you deposit any cash into your account at a local branch you will not have access to your funds for at least 24 hours. Then if you use different atms after making a deposit then you get charged every single time. Also make sure you turn your overdraft protection off. If you do not and your account becomes overdrawn. They charge you twenty five dollars every few days till it's back to a positive Balance.


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Call bank to see if I could get a 30 day extension on my loan/CC. My wife had just pass away. Was told, 'No'. But I could let it get in the rears. And then let it go into collections. Or I could contact consumer services and reorganize through them. Both are not a option for me. As I have work hard for my credit. I been with US bank for years. Never miss a payment. Been late once in 8 years by one day. And had my corporation with US bank before that. Why treat your customers like this? I guess I will start looking for a bank that does care.


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This has got to be the very worst bank I've ever dealt with... Their hidden fees are outrageous. They don’t post these hidden fees till days later which causes overdrafts. Customer service is impossible to get a hold of. When you do you are told someone will get back to you within two weeks. This is a very dishonest bank whose main objective is to steal as much money from you as they can. Horrible service.


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I have been a very long-standing customer of US Bank. Last week I applied for an auto-loan. I received an email to check the status of my application; which I did religiously. Before a week had passed, I reached out to the Bank just to find out that my loan had been denied. My issue is that instead of calling me to tell me this (which I could have been looking for a loan elsewhere); had I not had the initiative to call to inquire, I would have wasted 2 weeks waiting to get the denial. Further, why have an online system that is not accurately updated thus further deceiving customers -- I could have found out this way. This is, by far, the most disappointing experience. After I get my loan situation squared away, I will no longer bank with US Bank. Over the phone the rep told me tonight; that typically if the loan is approved, a call is made but if not, there's no call - just a letter. Obviously, US Bank can't even distinguish itself from others bank. They just can't.


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US Bank has disappointed numerous times. It started with them paying a SECOND homeowner's insurance policy out of my escrow account WITHOUT COMMUNICATING WITH ME AT ALL. I was not aware they had done this until months later, when my escrow account was incredibly short. Then, it was up to ME to battle through red tape with the second company, because I had to do the legwork to get the refund, and then send it to US Bank so that they could deposit it back into my escrow account.


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If I could give them a lower score than one star I would. The past few months their customer service and the service they provide in their fraud department is crazy. I filed a fraud claim with them for fraudulent charges on my debit card and gave them the charges that I didn't recognize. A few days later I called them back regarding one of the charges and told them I recognized one of the charges. They said they would remove that charge from the claim and not pursue it. I told them ok and that I had resolved the issue with the merchant.


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US Bank has some internal administrative and supervisory issues that they need to look into. I paid my loan off on 7/25 immediately after speaking with a representative of US Bank, she calculated the payoff and I made the payment. Almost 90 days after the fact I was just billed an additional $260. I spent approximately an hour on the phone with US Bank today (plus the 10 or so minutes on hold) but finally gave up and paid the money so that I could get the lien release. I spoke with 2 individuals but my last conversation was with someone named Nancy, claimed to be a supervisor but I really kind of doubt it. This "supervisor" said that the US Bank Rep could have calculated the figures incorrectly but since she didn't have a recording of the conversation she couldn't do anything about it. The bottom line is US Bank just ripped me off, I guess that I can join the thousands of other dissatisfied customers.


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US Bank advertises Travelex services on their website. Surprised to find no one available for forty minutes while they take lunch. Bank can't help. The order says you can pick up your currency from 10:00 to 6:00. Not true. Poor reflection on US Bank.


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I am an international student from India and a student at Chico State. I have had accounts previously with Wells Fargo, Chase, BOA. My experience with each of them was the best. HERE IS US BANK EXPERIENCE. TERRIBLE! Read below WHY: Account Opened: 29th June 2017. I found online a US Bank promotion for opening a Checking account. Promotion: $200 cash reward towards account for opening a checking account (Silver, Gold or Platinum). Condition: $500 Direct Deposit or $25+ online bill payment. What Happened then? I approached the US Bank branch near me (ADDRESS: 260 E 2nd St, Chico, CA 95928). A banker greeted me to process my request. THIS LADY BANKER WAS NOT AWARE OF ITS OWN BANK'S PROMOTION! She took a moment, searched online, found the information, verified it and said "Let's do it. It needs a code. Do I have it?"


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I was sent a credit card promotion in the mail. I followed the directions to apply for the exact card that was listed as having a 200$ cash back promotion if you spent 500$ on the credit card in the first 90 days. I spent over 500$ dollars in the first month and waited for my money and it did not come. I called and they said it would come next month when the statement was reached. I waited till the end of the month and still no money. I called again and they said I was signed up for a different offer. I said I signed up for the offer that I was sent in the mail. They said that they would not give me the offer unless I mailed in a copy of the promotion that they sent me.


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Complete incompetence. Purchased lease out and they continue to bill me and threaten to report me to collections. Multiple phone calls, multiple promises and then re-bill me like no conversation ever happened. And the lease buyout was horrific although I am told that is typical in the industry. Charged me more than original cost of copier after 4 years of payments. Horrible, horrible experience.


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Today we just backed out of our loan to purchase our home. Our closing date was supposed to be today but instead yesterday the underwriters were still asking for more info when they had a month-and-a-half. Had to sign a lease because me and my family would have been homeless because of US Bank. We will try again to buy a home in 6 months and definitely not use them. The whole experience was a nightmare. Thank God our rental was willing to work with us.


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As it came to closing on the purchase of a house on the east coast I requested a wire transfer from my account to complete the process. US Bank refused to comply. I explained I was on the east coast and no branch for hundreds or not thousands of miles. They kept repeating I had to be there in person. After hours of explaining I could not get to a branch I got my lawyer involved. Funds clearly there. Attorney clearly verified. Power of attorney issued to a family member within driving distance. US bank STILL denied my wire. Now they wanted me there to show I wanted this family member to wire. Do not bank with US Bank. A customer for 10 years, not one overdraft, 2 lines of credit, always paid with due diligence.


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My husband and I had a very poor experience while banking with US Bank for the past year. Our families have banked with many other institutions like Chase, Bank of America, Credit Unions and Ally for the past few decades. Never have we experienced such poor service as we have had with US Bank. Once our money was placed in US Bank it became very hard to transfer it out. Linking our accounts to other banks or even setting up direct deposits proved to be difficult with US Bank. Their accounts charge maintenance fees unless you choose to forego paper statements. This can be a issue if you do no log into your online account on a regular basis. We missed a transfer error on our account and were notified not notified of a low balance until 2 months later. We were charged over 200$ in overdraft fees. 


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I'm a small beauty business in Los Angeles. I've had Wells Fargo Merchant services for over 10 years. Wells Fargo charge have excessive merchant fees. I wanted to save money for my small business for credit card fees. So I was referred to The Poynt system powered by Elavon Bank. Which you purchase for the best credit card rates at 1.99% on all cards including American Express /Discover.


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I recently decided to finance my basement remodel project and went to Lending Tree. Immediately I received a call from US Bank describing all of the options for a HELOC. I began the application process without any concern as my credit score is 824 and my salary is substantial and I have very little debt. I applied for a HELOC of $25,000. I had just had an appraisal done for a mortgage refinance 1 month prior but they would not accept it. The home was valued at $240,000 and my current loan had a balance of $187,000. I was looking at the HELOC with up to 90% LTV. I received an email with a request for multiple documents and completed the request that same day. The loan officer assigned to me was Jeffrey ** per the name at the bottom of the email.


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Today, I made a car purchase and I needed to use this bank in order to do a cash advance. Mind you, I have an account with US Bank but I never use it. I only opened it because of the area I previously resided in at the time and the discount I would get for opening an account as a veteran. The teller was very nice, and welcoming. But the issue more so lies with the manager who was present during the ordeal. The manager wasn't friendly, and didn't speak. I thought it was very rude that he also kept watching my account on the teller's computer. He would continuously glare and watch me but wouldn't speak or be courteous. 


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Working with U.S. Bank has been a nightmare. My wife and I have been working with a local mortgage company to buy a home and we were supposed to close back on July 6th. However, we have not been able to close because we are waiting on U.S. Bank to clear the title from the sellers. The local title company we are working with, and the agents associated to them, have not been able to do anything since U.S. Bank have begun to refuse phone calls from them! My wife is one week from our baby's due date and working with our current landlord is hard as he is trying to get someone to take occupancy when we leave, but U.S. Bank doesn't care about those things. To them, we are just another case number on their desk. They don't care about the stress this has put on my pregnant wife or the fact that we are almost 2 months late on closing because the U.S. Bank and their attorneys won't get the documents pushed to clear.


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U.S. Bank is awful. They could care less about their customers, unless you are a Huge depositor. We have been with them for about 25 years, and are still treated like crap. They could care less about your problems or issues that come up, unless you have lots of money, or are a local celeb. Then it's a different story. I have several issues with that bank. First, we have been trying for over 3 years to get a lower interest rate on our homeowner's loan, & we've had 2 different branch managers TELL US that we are paying U.S. Bank WAY TOO MUCH interest, but before either of them could help us, they would either quit or be transferred to a different branch. 


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We opened a small business with credit. Were told we could get an FFE Loan and then we used some credit and they said no dude loan as we used some credit and our small business is on the edge of BK because they charge us 30% interest and bank fees. Their practices should be illegal.


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I've banked at US Bank or its predecessors for nearly 40 years. They have convenient locations around Omaha as well as plenty of ATMs. Also, they have ATM locations where I usually travel. They offer a great no-foreign transaction fee credit card. The people are always friendly and helpful.


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I use US BANK BECAUSE WITH MY DIRECT DEPOSIT THERE IS NO MONTH CHARGE LIKE OTHER BANKS. Easy to use online banking. I pay all my bills online and being able to deposit checks via my cell phone with out traveling to the bank.


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We love the personal service that we get from the Idaho branch that we use. The LA branch is not so good. The manager seems to be the problem and makes us go through hoops every time we have to do something. It is a branch in LA but it is in an area where it is like a small town where everyone knows one another. We keep the account because of the Idaho branch and excellent online service.


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They have long hours, including weekends. Their ATMs accept stacks of checks for deposit and they have online bill pay. Of course, like all banks today they give very low interest on your money.


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I've never been happier with a bank. Every single individual I've had the pleasure to deal with, for whatever reason, whether in person, over the phone, or online has been extremely pleasant, knowledgeable, and more than willing, when needed, to go out of their way. I have a checking account which charges absolutely nothing as a "maintenance fee" each month, and, even though I had zero credit, I was given a credit card with a healthy charge limit, thereby then being able to establish a stellar credit rating.


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The staff is always positive and are more than willing to make you feel appreciated for doing business with them. They go the extra mile to notify you of services that are no charge making it more convenient to do your banking.


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I have banked at US Bank for over 20 years. The interest rates are the best and the apps they have are state of the art. They have been great and customer service is the best!


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I've had my account with US Bank since 1988 and have never had an issue or problem with my account. The customer service has been very good and I would not even hesitate to recommend the bank to anyone.


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Great customer service. Managers and tellers always acknowledge you by name and are actually helpful in a culture of robots/you're just a number institute.


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Trustworthy institution. Many branches all over the country which is good for ATM service. Our local branch has great people that we have a good rapport with.


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My loan was sold to US Bank also. I have never been late, and always pay extra early and extra amount. I've had this loan sold to them for about 5 years, along the way there has always been issues trying to escrow and everything correct. I won't go into all of those mishaps. The most recent really irritated me because I have had my account to auto pay monthly. I set my auto to make more than the payment then we going to start bi- weekly payments starting the same time with being a full payment ahead starting the same day. I sent it all up through my checking auto pay account. I call US bank to inform and confirm my upcoming way of bi weekly payments. The gentlemen I spoke with told me that US Bank doesn't accept non-full payments.


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I've been a US Bank customer for 17 years. I went to the bank on 6/1/17 and applied for a home equity line of credit. I supplied all the information that was required and was told that the loan would take from 4 - 6 weeks to happen. They were suppose to get an appraisal on my home and have it back on 6/16/17, so I contacted the bank on 6/21 to find out how the appraisal went and where we were on the loan. Found out on 6/21 that the appraisal wasn't ordered so it was going to be up to 7/12 before the appraisal would be done. I had informed the bank on 6/21 that my builder was starting and I need to get this sorted as I need to be paying him.


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We applied for a Veteran's Home Loan on June 5, 2017. Unfortunately, nearly 2 months later, we still don't have the loan. The mortgage originator ran our credit and collected all required documents. She even ran a "mini" underwriting to be safe. We have never encountered the issues that came next. First, the processor contacted us to say that she would keep us up-to-date. Never happened. Then she lost several documents multiple times. She's still losing them today. We managed to get to underwriting the first time without issue. Then the processor became involved again. She lost documents again, multiple times. We were told repeatedly by the originator who stayed involved to make sure we went through that there were no issues. The processor never contacted us. We informed her repeatedly that she didn't correctly fill out the IRS transcript request. 


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My account had switched over from Bank Of America and I had never missed a payment with them. When the account switched over to US Bank, I had requested an autopayment setup. The woman I spoke with was sending a form because I was not able to set up an online account. The form never arrived. I made the next payment over the phone and again asked for an autopay form. This one arrived, and I filled it out and sent it in. The next month I received a call from US Bank that my payment was late. When I called US Bank and talked to someone there they said the autopay form had not been entered. She also stated that the payment had not been logged as a credit issue. I paid again via phone and asked for another autopayment form. This form never arrived. I gave up on autopayment with US Bank and instead pay by phone every month. 


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US Bank has been our Bank for the past 20 plus yrs. Today, July 21, 2017, I had the worst experience with customer service regarding info below: we use our debit card... it was declined due to a so called levy garnishment from a law firm named Gamache and Myers, unbeknownst to me. No common courtesy call from US Bank, no legal paperwork indicating we owed anyone. Long story short, the garnishment was fraudulent, and illegal, and US Bank charged a $100 fee for the illegal attempt to clean out our entire account. 


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I recently opened a US Bank Harley Davidson credit card. Through their own admission my personal information was compromised via their online services. That person then changed my account email address and billing address, and opened a checking acct at a US Bank somewhere in IL in my name and transferred money from the card to the checking account. At that point I requested that the information be changed back to what it was when I opened the acct. and please close everything in my name associated with US Bank, including the bogus checking account. 


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I received a Master Card from my grandfather when I was thirteen. I am fifteen now and very frugal when it comes to spending money. I will only buy something that I truly want. Recently I tried to make a purchase using my gift card and realized that the U.S. Bank had deducted twenty dollars off my card due to inactivity for twelve months or more. It is too bad that I did not notice the warning they put on the back. This frustrated me very much. My mom and dad taught me to save money. It is disappointing that I got punished for doing so. In the future I hope for a fairer banking system and my twenty dollars back!


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I would like to share my experience with U.S. Bank ReliaCard with anyone that will listen. This card will steal your money. I return an item that I purchased from Amazon. Amazon returned my money to U.S. ReliaCard and U.S. ReliaCard did not give me my money. They actually made me file a dispute and now I have to wait 180 days for them to figure out if they're going to give me my money which is a refund from Amazon. I will not recommend sticking with this card at all as they will do anything they can to keep your money... Also had another experience where someone stole my bank card number. Not the actual physical card but just the number off of it. Also had to file another dispute for that. That took months and months to get my money back on that one.


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I opened my account on June 5, 2017, Ashley ** was the banker who opened the account. She never told me about a New Customer Hold On Check Deposited. On June 30, 2017 I deposited my payroll check with Ashley ** the check was from a large local business in Carson City. The payroll check was for $789,50, I took $100 in cash and deposited the balance of $689.50. After making the deposit I went to United Federal Credit Union to make my car payment of $303.35. I tried to use my debit card for the payment, but it was declined. I called Ashley by phone and asked her why was my debit card declining. She told me I had immediate use of $200 on the debit card and the balance would clear at midnight. So I wrote a check to pay my car payment after being assured by Ashley that all my funds would be credited after midnight of June 30th and available on July 1st.


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Have had my account for going on two years. The entire time my check was direct deposited at the exact same time I wrote out my rent check and dropped it off knowing my payroll would be going in in the morning. When I took out my account I signed a paper stating that I opted in to have all paper checks approved and I would face any overdraft fees.


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This company, US BANK will not ask if you want to renew your membership. They will send you an invoice directly and charge you interests. Very bad practice and very tempted to get a lawyer involved. They will continue to charge you interest until you renew the card. They told me I should close the account in order to cancel this subscription. I think closing a credit card account is bad for the credit score and that is why I don't want to do it. Bottom line, unlike American Express who will send a letter asking the customer if they want to renew their card prior to billing you, US BANK charges you directly. I find that very very shady, hence my complaints. They bill you instead of asking you if you want to renew first, then charge you the fee + interests. Very bad practices and I hope actions will be taken against these unacceptable practices.


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When I first signed up for this horrible service bank, I was told one thing, although my paperwork said another... Then, find out many over payments later was that they were charging me for an account I had not used yet and they never told what I had to do to change that until several bank visits and several phone calls. The branch manager said he would pay half of the charges when I should not have been charged at all considering what I was told when I opened this account. Now, they are not suppose to charge fees because I did what they said about opening a credit card and lo and behold, they are still charging me fees. I have to constantly call for them to stop and credit me.


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I have my auto pay set to send checks for payment on the 1st of each month to coincide with incoming pay. When the pay comes in on a Saturday they delay till Monday and set check to pay on Friday sending the account into overdraft. Then on Saturday the account shows payment for the 3rd on and the check for the 30th. Just a way for them to get the account to overdraft and make them $35 plus any other overdrafts that it may cause. Ripple effect. Be wary of the scams they pull... Won't be my bank for much longer. In the process of finding someone new. They used to pull another similar scam of taking money before deposit showed again causing overdraft fees. Just a new method to their madness.


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I have been a US Bank customer for over 20 years and recently I have been unemployed and unable to pay my bills as a result. I have had auto pay bills that somehow gone through and I was overcharged with overdraft fees and additional fees on top of that. When I got my tax refund from the federal government, they took half of the check and, as a result, when I tried paying my bills, checks were returned. During the month of May, I have had my checks electronically deposited and they took the entire check leaving me penniless so I couldn't pay my bills. Now they have closed my account saying that I had too many returned checks. They left me with no money so how could I pay my bills. This bank stinks and I will have nothing to do with it ever again. As far as I am concerned, they're thieves.


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I have been with this bank for over 11 years, I am absolutely disgusted at the recent events that have transpired. First my atm card was shut down without my knowledge due to not having a chip, a new card was sent out to my address and was returned due to a bad address. This is ridiculous as my address has not changed! Then I go to deposit my payroll check on a Thursday, was told the funds would be available on Friday and then find out Friday evening there is a 7 day business hold on my funds, which would not be available till for another 10 days. 


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I was recently charged an overdraft fee for a check I wrote. My account was in a positive on the 21st. I have screenshots of my account for the whole day. I made 4-5 purchases using my debit card on the 21st. No check was ever posted to my account on the 21st. On the 22nd, my paycheck was deposited. When I checked my transactions on the 22nd, it then showed that the check was posted to my account on the 21st. And I was then charged an overdraft fee. 


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On 6/2/17, My mom went into the bank to withdraw her money and pay her bills. Only to find out all of their funds had been swiped out due to fraud. My father was in the hospital in Intensive Care due to heart issues and just had emergency surgery. They wouldn't allow my mom to do anything to his account, but was able to inform them all of his funds were gone and there was no way that could of happen. My parents are on a fixed income, they only use their debit card to withdraw funds. They do not make any purchases or pay any bills, they withdraw their money and pay bills directly or get a money order. 


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I deposited a check at a US Bank ATM and it was returned to us via mail a week later because it was made out to our business (same name). I called customer service and was told it was because the ATM couldn't resolve the information and to take the check to a branch office where it would be deposited. We did this and everything was fine.


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I've been a US Bank customer for almost a decade now and this bank has dramatically gone downhill. I seriously never leave reviews, but I was compelled to. They have the worst customer service dept. I work in a call center so I know the job isn't easy, but these employees aren't even trying. I got transferred 7 times to update my address. They blocked my cards because the zip code wasn't updated. I called 3 times over the course of a month just to update my address. My cards have been declined and blocked over 3 times now, and I have not once received a phone call. 


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My card was blocked and I have been going on 3+ hours now trying to get a hold of the Fraud Prevention department. I have been transferred at least 3 times from the consumer banking side and I have yet to get anywhere with this. Some customer service this is. Take your business elsewhere. There is no one, but incompetent "customer service reps" here to help you with anything.


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I have worked with many banks (10+) and hands down US Bank has been the worst bank I've ever dealt with. Worked with them through a Home Equity loan and they are the worst at communication and process. My loan exceeded 80 days and is still going through issues. They outsource a large part of their processing on the loans which causes nothing but headaches and customer service representatives that don't know what's going on. Run and go to any other bank that you can before turning to US Bank.


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I am working on a class-action lawsuit against US BANK. If you feel US BANK has mis-charged you, mishandled your accounts/money, or has committed any acts of what you consider to be fraudulent, including incorrect reporting to credit agencies due to US BANK error or possible deception, please contact me at my email, **, and tell me about your claim against US BANK. I will forward this to my attorney for review. There is no cost on your end. It is time to stand up against banks like US BANK, Wells Fargo, and let a court of law hear your voices, to be compensated not just for funds that are yours, but possible money for pain, suffering, time spent, etc. Thank you.


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I have been with US Bank since 2013. Have been very happy with them until recently. In January of 2017 I set up an online payment to my car loan company. In February, March and April they took the money on the appointed day. When I changed the payment date with the loan company I changed the date of the payment with US Bank. In May, 2017 and June 2017 they took the money out 2 days early sending my account into arrears. When I tried to stop the payment and have the money taken out on the appointed date that I set they said "We do this so the check we send to your company will be on time". This is a new thing that they've started doing. It has all the ear marks of doing this to get extra fees. In addition to filing this report I have contacted my local and federal banking over site commissions and I'm trying to find a good law firm to start legal action against US Bank.


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I got a letter last October from US Bank with a $200 promotional offer. I sat on it for over a month and finally decided to just open an account one night online. I set my account up for direct deposit as required for the promo a few weeks later. Until recently, I had completely forgot about the promo and checked to see if it had been applied. It's hadn't. Contacted US Bank regarding this. They said there is no record of this on my account and want a copy of the letter I received! I am actually shocked. I have an email confirmation from a US Bank rep that the promo code had been applied to my account (which I sent to them last week at their request). The email has the reps full name, date and also my promo code and for them to say they have no record? Shows the caliber of people/company we are dealing with. 


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About a month or two into my new U.S. bank account. I received an overdraft fee although when signing up for my account I specifically chose do not overdraft and also before I made the small purchase I called the bank and listen to my available balance and I had plenty but for some reason that transaction brought me into an overdraft. I want to add that when you called US Bank on the recording it stated the amount that we tell you is your available balance will always be your correct available balance and mine was $10. I made a $4 purchase. Now that I am in overdraft I'm informed that if I don't pay it within 7 days I will get another $35 charge so it keeps going up and up I'm on my third overdraft charge.


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Refusing to Take Customer's Money - April 2017 through June 2017. I recently retired and from my retirement money I attempted to pay off my vehicle that was financed through U. S. Bank. I called in April 2017 and after being transferred 5 times ended up talking to the original person that I spoke to (Debbie). She advised that she was sending odometer documents that needed to filled out and said that I couldn't pay off my truck before then.


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After my dad passed away I filed to be the executor of his will. It took the court system 3 weeks to finalize the paperwork (which is perfectly reasonable and a normal timeline), I started getting threats from US Bank immediately after I told them about his death. "They would put his loan into default if I didn't pay it". I told them I would pay it as soon as I was legally able to (which again was 3 weeks). They told me that they "didn't know how much longer they could wait," which is clearly b.s. They have a computer screen telling them exactly how long until they file for "default." Basically DO NOT TAKE A LOAN WITH US BANK, if you die during the term of the loan your family will have to deal with a bunch of jerks that you ALWAYS paid on time.


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I've been a customer of US Bank for over 15 years. I moved out of state a couple years ago and there are no branch locations where I live now. I've exclusively used the mobile banking app. Recently, I was charged $277 in overdraft fees over a 30 day period because of several changes that US Bank voluntarily made to my account: Cancelled my overdraft protection account; Cancelled my credit card overdraft protection; Changed my mobile deposit limit to $1500 (it was $2500 prior for many years and I frequently deposited checks for $2500).


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I submitted an insurance claim check to get a signature. I was told it would take 3-5 business days. After no one contacting me for 10 days I called. I was then told it would take an additional 7 to 10 days before the funds would be available. I called 10 days later and was informed that I had not submitted a request for an inspection of my repairs which I did over 15 days ago. 1+ months later, I am still going around and around with these ??? people. They cashed the check over a month ago but still I have not gotten anyone to explain why they still have not release the funds to my contractor who repair the house. Worst customer service experience I have ever had. Looking to move.


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I received 2 checks written on US bank accounts. I went into the bank to cash them and was told that there would be a $7 charge to cash each check since I didn't have an account at that bank! I told them I wasn't giving them $14 to cash two small amount checks. Rudely, I was told that it was my choice. The customer service representative then told me they were in business to make money! Obviously, they are in business to fleece people!


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I sold a house in Texas and planned to buy one in Iowa. I chose US Bank and failed to read the reviews before I made this choice. The application process is the most stressful and accusatory process I have ever gone through. I bought a house before and put zero down and had very little money to my name, and the process was very smooth. This time, I have a little bit of money to use as a down payment.


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I had a account with US Bank for over a year, but I got charge so many times a overdraw fees for payments I didn't make. I make a 1 time payment on my Macy's credit card, and was posted and clear. After my payment I didn't see any money to Macy's. They started making payment to my Macy's credit card and return the payment as insufficient funds, payments that I didn't authorize because it doesn't make any sense that I will make payments when I don't owe anything so they make 5 payments and then return them. 1 each day is so stupid, so I got charge a 5 $36 and 10 $25 extended overdraw fee and 5 $34 fees from Macy's because of the return payments. I had to closed my Macy's credit card. I didn't notice those fees because I didn't really use my US Bank account but now my account is close with almost $2000 fees.


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In my opinion, this is my WORST banking experience in 55 years. Tried to buy my car at lease end, and their phone staff is friendly, just don't expect them to fulfill their promises. Didn't initially tell me I could BID lower than their 'low' offer, then they were QUICK to cash my check, but slooow to provide my title/BOS. Had to incur extra costs, such as $90 overnight FEDEX label, that was never USED. Contacted my dealership, who said that they received SO many complaints that they have DISCONTINUED using US BANK. I will never consider them again. Worst banking experience EVER.


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This bank was the first bank I ever had. I didn't know it was bad until I opened an account at Chase. US bank, at least the one I go to, have very bad staff. They barely speak English, dress unprofessional and look at you like a nuisance! I once opened a small loan, the lady said there'd be no interest only until a month has passed and then I have to make minimum payments plus a little interest. 


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US Bank has ruined everything! My husband and I just sold our house and paid off the mortgage, but because of the craziness of buying and selling interstate, I missed the last monthly payment (which was included in the payoff quote) on time, but the mortgage was paid off a few days after the cut-off. Right before closing on the new home (literally days), our new lender informed us that US Bank put a 30 day late on our account and now we cannot secure the loan with a large down payment and will be homeless. All of our belongings are in transit to the new home that we will not be able to purchase because of US Bank.


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I currently have a home mortgage that was purchased by US Bank from NOIC or Concorde Mortgage. This was a FHA loan and contained rehabilitation funds within the loan. I am now currently paying on this loan and have been for over a year and I have yet to receive the funds. I completed the project on my own with my own money and they claimed I would get reimbursement once it was complete. I have had the house inspected according to their criteria and still have not received the $27,000 that is owed to me.


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I opened an account in 2004. They closed the account out in 2009 and allowed the account to accumulate fees. Now the account has been sold to multiple brokers. I contacted their customer service department and provided my social and the representative told me that I didn't owe US Bank. I only needed to pay a 36 dollar fee. Prior to that they sent me out a letter to take in case I was to appear in court. Turns out the information I was told was incorrect and now I being told it was a mistake. They're sorry but it's nothing they can do and also they just started recording their calls as of last week. Anytime prior to this they only recorded up to 10% so trying to cover your back won't help because they lied about calls being recorded.


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US Bank Mortgage only offer one courtesy late payment waiver for the LIFE of the 30 year + LOAN...(even when they raise your monthly payments, the smallest amount for adjustments to the escrow account and even though you consistently pay on time through Autopay for a decade or more but simply forgot to change your Autopay the added amount). Only one minor mistake allowed in 30 years. They are simply not reasonable or have any respect for their customers. Be forewarned. Stay away if you can.


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I opened an account with US Bank after having to switch my account with them. While I heard horror stories I never thought they would be as bad as people say. Upon opening my account I deposited a check in the bank and the money didn't transfer properly. They assessed me a 36.00 fee. My account was negative 1.88 cents. They didn't take money from my savings to compensate the negative. They charged me 2 36.00 dollar fees. When I asked why was I charged they advised me because the account was negative. When I asked why didn't they take it from my savings they advised I didn't have that option set up. I went into a branch, showed the branch manager I had that service setup and was advised there was nothing they could do to waive the fees. 


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I needed to make a purchase (furniture), because of my wife's medical condition. My bank card was declined. I had to use a credit card and I did not want to add to my debt but was forced to. I had more than enough funds in my account to cover this purchase. I called the bank and was told I had a limit on what I could spend from my account. They said they were protecting me. Someone from US BANK is making decisions for me and I was told they did that to every banking customer. I control what I use my funds for and how much, not some bank. You don't want to use this bank, you will regret it if you do.


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US Bank has no regards to their long term bankers, not to mention that they lack the appropriate customer service skills when addressing any problems, especially the ones that occur on their end. They do not go out of their way to assist you with your inquiries and when they make error, they basically tell you there's nothing they can do. For example, my husband and I have been a customer of US Bank for years. They have never come through for us when we've needed them to despite the fact that they have full access to our accounts and clearly see that we have always been in great standing. Despite all of the issues we have had with both US Bank and their staff over time, the most recent problem that my husband and I have encountered will result in our taking our money and investments elsewhere.


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I applied for an Auto refinance loan exactly one month ago VIA online submission. The tracking on the application was great, but after 3 weeks on being stuck on the "credit check verification pending" stage I decided to give them a call. The first call sent me straight to VM. After the second call a gentleman on the phone answered and notified me that the application had been denied, did not explain the reasons nor why hadn't I been contacted regarding the status of my application. Had I not called, they would have never contacted.


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So I am sharing an old past experience and here's what happened. Back in 2008 my gym wrongfully charged my account because I canceled auto pay and was charged two months after the change. The gym admitted it was in error and corrected the transaction. This caused me to be $0.38 negative for 15 days but was in error and I was not at fault. After a couple weeks I go to deposit a paycheck and find out that I owed 375.00. There can't be any other bank that is this savage with late fees. If your banking is impeccable you might say "oh what a great bank" like you would anywhere else, but if you are like me and have the slightest mishaps occasionally this bank will take advantage of you. They will seek as much damage on you as legally possible. Be warned folks, they're not worth the risk.


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Home mortgage, loans & refinancing -- I am very disappointing with the way US BANK is treating their long-term customers. They only care about people with perfect credit. If you are struggling trying to make ends meet,you are "zero." Our mortgage interest rate is 5.8%. We still can't lower our interest rate. Bank of America is 2nd worst bank too. Even when our equity is high.


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I move to the United States 7 years ago and opened an account with them on because my wife has one there. 7 years later I can see the mistake I made, to trust this bank to take care of my finances. When I opened the account I told the manager that I do not want to be able to have overdraft or be in the red. He assured me that it was taken care of and if there were any payments and not sufficient funds the money wouldn't be able to leave the account. Coming from a country where checks have been absolute since 1990's, I've been thought about the above statement being a lie. It appears that checks still can be written off of your account and when it gets bounced they charge you a lovely $36 overdraft fee.


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I was told the following when I applied for the loan - it would be finished in 45-60 days, because it was new construction there would need to be a full appraisal, that if the appraiser was one that I was not ok using that I could refuse that appraiser and they would go to the next one in the pool, the loan would fund 3 days after closing, and that I could designate what balances were paid off with the funds. The mortgage center was sloppy and clearly I had been lied to through the whole process. I supplied all requested documents almost immediately and then couldn't get any communication from them for about a month until they sent me incorrect documents and I got the local bankers involved. They did a drive by appraisal so it didn't include the house in the value, and that messed up the numbers, which they refused to fix during the rest of the process until the very end. 


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Recently they have been trying to charge me with $30 late fee despite I pay in on time and all the time they bring up the Easter/Central time problems. I never had this problem before, they are just trying to rip the money off people. How come they can post the late fee before processing my on time payment. Customer service person was very rude to me and he said it takes a day to get the payment posted, are you kidding me!! You can post the late fee in the middle of night but can't process my payment and wait for charge me money. I am changing my bank and will never do business with US Bank.


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I submitted an insurance claim check to get a signature. I was told 3-5 business days. 2+ months later, I am still going around and around with these bozos to get a stupid signature. Worst customer service experience I have ever had.


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I setup 'Pay a Person' to send my landlord the rent and she uses it to send me money to pay for repairs. I send her an instant payment; she gets the payment and it is deposited to her account, at a different bank, within minutes. She sends me money for a plumber this weekend-Sunday, and here it is Tuesday and I still don't have the payment, or anything in my account to suggest it is pending. It was sent from an instant payment system. And US Bank has an instant system but they hold the funds. This has also happened with payments made to me from wire transfer-over three days.


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This is my first experience with US Bank and my last. I applied for a credit card through REI to book a trip because of the 5% reward offered on this card. After I finished the application online they told me they would send a letter of approval within 7-10 days. WHAT! My credit score is between 840-878 depending on which site you pull credit from. I called US Bank to see if I could have the process expedited so I could purchase trip with the 5% off. No they are going to manually approve my application. I could maybe understand this process 10 yrs ago but today that's ridiculous.


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I will never lease a vehicle or do any type of business with US Bank again. They are extremely unorganized and do not keep records or previous calls or transactions. My experience started when they charged me for a month after my lease had termed, granted the car was turned into a dealer 15 days before the lease had ended. Still, I get charged. Now they are stating that the vehicle was turned in 20 days later than the actual turn in date. Basically trying to grant a reason to keep the extra payment. They refuse to work with the dealership and cannot get this resolved after months of back and forth with me. Now they are requiring me to prove when the car was turned in.


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US Bank, was assigned my "loan" by the most disgusting Nationstar, a servicer, by removing any traces of my first assignment for trust/trustee and completely wipe them out of my chain of title and placed three back-dated assignments in its place. Now they, as trustee, are named as plaintiff in my illegal foreclosure action!! The US Bank wrote me a letter stating that "as trustee we have nothing to do with the foreclosure process". THEN WHY ARE YOU STILL NAMED AS PLAINTIFF??? Some of these banks will stoop to any level to steal your home, in my case, however, they chose the wrong person to try and steal something that no one has a beneficial right to and I intend to prove it in court with a massive amount of evidence of fraud, misrepresentation, slander of title, mail fraud, RICO violations and many others. They are going to pay for screwing around with my title!!


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I won't even give them one star, this has been the worst experience. I have spoke with 6 or 7 people in this department (US Bank Retirement department) and have gotten 6 or 7 answers. There is no accountability for anything. It's just, "I'm sorry you feel that way." I have been trying for almost 4 weeks to get my 401k out of US Bank.


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The due date for my credit card payment was March 1, 2017, so I made my payment when I came home from work around 9:30 PM. Next day (today) I received an e-mail from US Bank stating that I have a late payment fee of 36.00 Dollars. I called customer service to clarify this late fee, and the answer was that I made the payment after the cut off time 6:58 PM and they would not remove this fee because I was late. The customer service rep. was rude and not helpful at all. Due date to me means any time until the end of the day 11:59 PM. This is a rip off, I would never recommend this bank to anyone.


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I have had my accounts with US Bank for the last 17 years (my local bank was taken over by them and since I was already there, I stayed). Only within the last couple of years did I decide to take up a CC with US Bank, I figured it would come in handy for use with certain things like car repairs or items of immediate need and other like needs of that nature.


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I have had my US Bank card for over two years. I made all payments and then some on time, never never late. I recently tried to pay it down so I could use it for a larger purchase. When I checked my balance it was $1000 less than it should have been. I called the company. They said that their system had done a review and had lowered my credit limit by $1000, therefore the large payment that I had made was no longer available to me. When I explained that I would not have paid that large of the payment if I would've known this they said they would refund it to me. 


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First... I would like to say that I am VERY good with money. I understand finance, investing and business concepts extremely well and have always been able to take a little and grow it. I am extremely frugal and track my finances every day and spend a good 4-5 hours a week on my finances. Now... Stay away from this bank. You cannot budget or track expenses with them. It can take up to a week and a half for expenses, deposits and transactions to go through and it's NOT consistent even when the expenses or deposits are routine and are coming from the same companies in your banking profile.


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US Bank is by far the WORST bank I have ever dealt with. I set up an automatic payment with Comcast to withdrawal from my US Bank card. Woke up to my service disconnected. Made a manual payment for Comcast online – figuring the ACH failed. Hours later service is still disconnected. Called Comcast and they said the payments were BOTH made but were pending. Went onto my app and it showed US Bank was holding those funds for 10 days. 10! A total of $320. US Bank said they can't do anything and I have to wait for the hold to expire... in 10 days. So all of my money is gone. My grocery money for the month and the money I was saving to go out with my boyfriend for Valentine's Day. Also my cable and internet will remain disconnected until those payments clear in 10 days.


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I had a bad experience where I had to wait six weeks to get a check from a company I was working for. When I finally received it and have them sign it over to me US bank told me that they would not accept it even though it was signed over to me. I checked to see if other banks would accept it if it was signed over and they said that they would but US Bank said that they would not. They just didn't do that and I thought that was not very professional. They even told me that there were no managers available as their manager was sick and could not be reached. If you have a business especially a construction business I would definitely advise you not to use US Bank ever.


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People be aware!!! When asking for a loan, make sure they don't include your taxes, and insurance or else you will be paying $443.82 at the end. They don't make aware of this fees. I told the mortgage loaner not to included and still did so he knew I have to pay this fee. This is so corrupt. People just be aware of US Bank.


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US BANK is only good if you have a physical branch to attend to your issues. If you do not, then you are seriously S.O.L. They make promises they can't keep when it comes to mailing a physical check to people and/or business. You jump through all the hoops and fill out all the information online and select send. They give you the date of arrival and even give you a GUARANTEE! <----- read the fine print. This "guarantee" only affects people who are penalized with late fees when the check arrives late. It does not qualify towards people sending checks to themselves or to others. I had to send my check to myself TWICE since I do not have a local bank and destroyed my Debit and Credit card to prevent overspending. So this was my option to rely on the USPS.


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I bought my house May 2015. September 1st 2016 two of my nieces got put into my care for emergency purposes until they could go live with their mom. So due to the new and temporary expenses for that month I called US Bank and asked for a deferment. The man said he could help me with that. I've never done anything like this so I didn't know what I was dealing with. Well he set up a payment plan to where the $702 for the month is September would be split up between the months of Oct, Nov, Dec and Jan. I asked if I'd have fees to pay and asked if it would go on my credit, he said all fees will be waived and NO it won't go into my credit report as long as I make the payments on time on or before the agreed iPod due dates! Which I did!!! I was never late I was ALWAYS early!!! So then I find out that they have reported me to the credit bureau anyhow saying I've been late 5 months which has now dropped my credit score from a 720 to a 612!!!


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I close my account, got a new card. The bank allowed Geek Squad to take money out of closed account. When I call the bank, I got the money back into my account. Because it made me go negative. They won't give back the refund to get me out of negative. When I call the 1800 Us bank, they informed me that the bank issued me a new card but never closed my old account. Like they're supposed to. And they're not responsible to pay the negative money. So every 2 wks they're gonna keep charging me $25.00 which is B.S. I ask how could they take money out then put money in and I'm still in the negative? How could they keep my account open after it was supposed to be closed.


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I opened up a small business checking account with US Bank in Manhattan Village. I had deposits go in to the account over the first couple of weeks. One night debit card doesn't work. I call up and they leave me on hold for 8.5 minutes and when they're back on the phone they say they'll have to call me back. I receive no call. A day or two later I call again. The girl on the phone says I didn't activate it. She says now it's good to go. I try to pay a bill and it's declined again. I call back only to find out they froze my account for whatever reason they can not tell me. I've called and called and called and my money (all of my money) is stuck in this account. I am still waiting. It has been a week and a half and no one has said a thing to me. I keep calling asking what they need and no response.


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After 15+ years of banking with US bank I was turned down for a bank loan on a nice vehicle that is worth more than the $5000.00 I was asking for. Granted I had a bankruptcy 5 1/2 years ago. I have had direct payroll deposits for 15 years too. My girlfriend has been with US bank for several years and has an excellent credit score and mine is only in the good range. You would think after that many years with several thousand dollars in my account at all times I would be considered a good reliable customer with no problems paying off this loan. Also, the banker offered to loan her the money by herself, but not me on the note. I will closing my account as soon as I can get a new bank set up. Up until now I have had good customer relations with US Bank, but will end soon as I will start a good customer relation with another bank here in Council Bluffs, IA.


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I opened a new Checking Account at the US Bank at 7451 W. Lake Mead Blvd in Las Vegas, Nevada on 6/17/2016 after receiving a notification in the mail for $150.00 Bonus. The new consumer checking account requirements were a minimum of $25 dollars deposit and a direct deposit into the new account. I opened 2 accounts one because I have a Living Trust, so one was opened in My Name the other in the name of the trust. I met all requirements with US Bank including a transfer of funds of $500 dollars from the Living Trust to the name new account on 6/21/2016. On 7/21/2016 the Direct Deposits started to be placed in the Name Account ending in **. At this point I felt that I was on the way to received the $500 bonus as promised. I was told that it would take from 60-90 days to receive my bonus. This was the 2nd time I was lied to by the bank.


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I am a victim of the 2016 flood of Louisiana. I hired a contractor to work on my home but they ended up being fraudulent. They took 23,000 from me. US Bank will not release the remaining funds to me to hire another contractor to repair my home. I have provided a police report, contractor license board complaint, documents from the Secretary of State as well as license board proving these people are frauds! The mortgage company will not release me from my contract with these people and they have not done work in my house since NOVEMBER!!


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My father-in-law passed away unexpectedly last March. My husband and I inherited the home that he bought in 1972 and raised my husband in. We have provided all the documentation to show that my husband is the sole heir to the home and transferred all the property over to our name in the state. Prior to his death my father-in-law had taken out a loan on the house. While my husband and I are not opposed to taking over the loan we decided not to and to just keep paying off the loan as it was only $614 a month. At the time we were both active duty military and he was retiring in August and me shortly after. We provided US Bank again with all the required documentation and even sent it registered mail to ensure that we have documentation that they did indeed receive it. 


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I am currently abroad and it is very important that I access my online mortgage account. I have been trying for months without success! Each time I try to log in I receive the message "This site cannot be reached." I have never experienced such poor customer service! Is not the bank in noncompliance with banking regulations? Can anyone answer this question?


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Holding on to the checks until after the 16th in order to collect one of the highest late fees in banking. This has happened to me on two occasions. I send my check out on the 2nd and it does not get processed until close to the 14th 15th or after. They try to blame Post Office but I have sent it with tracking number. It is not the PO fault.


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On Friday January 6th, I was notified by text that someone had changed my online banking password. I called Customer service. They informed me that someone had logged into my account and transferred 16,000 points out of my account. This may sound like an easy call. I was on the phone for 1 hour and 45 minutes and transferred back and forth to departments EIGHT TIMES. In the end, they apologized and said they will overnight the card and I will have it by Tuesday. Tuesday arrives - NO CARD. I call Customer service, they apologize but the person DID NOT overnight it, but sent it 7-10 business days. And then they tell me "points were added to your account by a hacker, not taken." REALLY. Who does one believe? So now I have 16,000 less points than what they told me Friday. They apologize AGAIN, and say they will overnight a card, AGAIN, and swear it will be here Thursday. 


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First of all last year 2016 when I travel to Hawaii all my things were stolen including my wallet and everything. I had no ID so I couldn't get any money. I survived on the streets and basically on my way back and answered questions to get on the airplane. The point is with US Bank no id means no money. Here in what I will call my home branch in Portland Oregon at 7200 Northeast Sandy Boulevard I did ask if you could get money if you didn't have an ID and the branch manager said that I could if I answered questions properly. So on and on and lo and behold a couple days ago I lost my wallet. Herein lies the hassle. First I called the credit card department which then I actually got the customer service department and had to wait twice as long on the phone because the automated system doesn't work. SO after holding and hassling back to the credit card department I put a temporary hold on my cards.


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US Bank currently handles my mortgage. I'm a customer that ALWAYS pay my bills early or on time (before the 1st) and NEVER miss a payment, but US Bank seems to have used their system to where I accrue late charges every month. I changed Mortgage insurances from Geico to Allstate (who was cheaper) which caused my overall Mortgage to lower. I was quoted the new amount by the representative on the phone and sent in that amount before the statement was processed and mailed to me. US Bank told me that because the amount wasn't exactly the same that the representative quoted, that my check was held and suspended because it was a few dollars off from what the printed bill amount would be. 


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If you can go to any other bank besides US bank I would highly recommend that. I was charged $25.00 for a .30 overdraft. How is that even smart? Then the manager Jeff basically told me it doesn't matter what I'm going through it needs to be paid. Wth! If I could give them negative stars I would. Please go elsewhere for your banking because US Bank are total ripoffs and have the worse customer service. EVER! I'm going back to bank of america.


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Since I've opened this bank account with Regions Bank myself and my husband have had to call multiple times begging them to unblock our debit credit cards through simple transactions or international transactions. Athough we have put in calls to them to let them know that we travel internationally and this was a great importance to us. However we have found ourselves in situations to where we cannot access any of our funds at any given time either during an emergency or just within leisure. This bank continually blocks his card and my card at any given moment. It is frustrating. Absolutely absurd and we are getting out of this bank as soon as possible!!


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On August 10th my wife and I went into Regions Bank to add her own to my checking account and to open a joint savings account. We will deny the service to put my wife into the checking account because she did not have a United States identification card. Mind you the law states that all my wife needs is a current passport and a current driver's license which we produced and we were still denied. So I attempted to deposit a $13,000 check into my checking account and open a savings account. I was denied service because I was told I did not have matching funds in my account. After some disagreement I got my check and my identification back before things got out of control we drove about 15 minutes away to another location off of Beltway 8 East and all services that we were denied at the Valley Ranch location which is in New Caney we received at the Beltway 8 location. Truly discriminated against at your Valley Ranch location.


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PEOPLE OF COLOR, that are citizens, or new immigrants of color married, or not to a U.S. citizen DO NOT USE THIS BANK IF YOU WANT A HONEST ONE. They highly discriminate. I am a ** man with a top secret clearance and married a year to a Jamaican woman who I have been with for over 3 years that she was living here and going to college for her master's degree. The bank never seen or met me. I was smart enough to use Bank America in Saint Louis where I work. My wife working her first job in Highland Illinois wanted her bank in the town where she works as a nurse and also to have her bi-weekly checks deposited. 


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The customer service has no knowledge. No solutions. It's like they read it from a book and repeat it. The simplest things they turn in to a nightmare. If your acc has a 0 bal for a few days it has a soft close. Then when your direct deposit posts you can't get your $. My Ss check was held..for 2 days. The same deposit I've had for over a year with Regions. I. 62 year old widower. I am alone with little finances. In a world like we have now $ is needed to help keep me safe. Keeping me at a atm for over 1 hour and still no funds.. It's a joke.


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I just got my income tax back. I am homeless. With 2 heart attacks. They kept my checks saying, it has to clear in about 10 days. I begged to have my monies. They said, "Have a nice day." I'm back in the hospital, because the heat stroke I endured from sleeping outside. All I wanted to do was pay my rent. I called everyone affiliated with them. No one heard my cries. All because I owed them 5$. They've kept my refunds check for 3400$.


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Do not do business with Regions!! They LIE!!! I made a deposit and received a hold notice from the teller, signed and dated, stating that funds would be available the next day. The next day I received an email from Regions stating that all of the funds are now on hold for 7 days. Relationships are built on trust, if I cannot trust the word of the bank, in writing and signed by an employee, then there is no trust. I won't do business with a bank that I cannot trust. The branch would do nothing, the 800 customer service would do nothing. I have been a customer for over 20 years and my sons have all opened accounts with Regions but we will be moving our business now.


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I write this out of boredom and frustration while sitting in the commercial banking drive-through line for going on 30 minutes now… there is absolutely no sense in something taken this long. Why is this bank Always so slow?!? If this were my personal account, I would pull out every penny and go somewhere with better customer service but as previously stated, this is a commercial account so you would expect to be treated as a priority, but I guess not at Regions.


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I have a checking account with Regions Bank, because they give a loan and they required me to open an account so they can automatically debit the payment every month, but happens that is a commercial account and I only use it for that purposes, so I used to transfer money from my primary account in Chase Bank, but now they don’t accept Zelle transfers for commercial accounts, you can’t see your online account if you don’t have paperless statements, I have to keep $2,500 to avoid monthly fees, I don’t know about other banks, but compare to chase bank is a lot of difference, it works like a small community bank, so trying to send money thru Zelle, they block my online account and I have to go to the branch to fix it, I am very disappointed with regions bank, too many stupid rules and restrictions, I hope this help somebody to avoid it


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This is the worst Credit Card Bank. The service dept is absolutely impossible to deal with. Is a constant run-around of misled information. First they submit my credit card for payment on a service that I never authorized. After disputing and complaining, they totally ignore me and begin adding late fees and finance charges. Three times contacting for waiving the fees after being confirmed by an associate over the phone that they would do that. I paid my disputed amount in full because my husband said he didn't want to mess up with them anymore and they were going to create issues with my credit. This is still ongoing until I get a response, which I can assure it will never come. Worst customer service. I will happily just stay with my Chase and American Express!!


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Regionsbank.com has completely lied and misled me on a financial transaction. They told me they were putting my total life savings in a money market account. They kept telling me I would make 1.33% every month. It was the furthest thing from the truth. We are down $50,000 few months. I would never use Regions Bank for anything. We have contacted the BBB, the Attorney General, & Regions Bank. Nobody will do anything. Please help me get the word out. 1 ⭐️ all the way.


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This bank must have the worst customer service of any bank in the Southeast for sure. They will literally shut the door in your face and tell you that they are closed and cannot open the door and then open the door and let customers out after you walk away. Waited this morning thinking the drive-through opens at 8:30 as my other banks do although that was my mistake. Rushed back after work and driving 1 hour back into town to literally walk to the door at 5:00 according to my iPhone to be told that he cannot open the door for me. I watched him close the door as I was approaching. He did not care. This is only 1 example of several that I have to reflect the customer service that they provide of the same careless attitude toward their customers. Do NOT use this bank as you will be disappointed in customer service and you can see the numerous other 1-star reviews besides mine so I am not the only one.


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On 11/27/22, I did a mobile deposit. The mobile deposit went through, and the app said it would be available the next day. So, I was ok with that. But what do I see when I wake up... nothing. I called and the rep stated that it would be the next morning due to the holiday. OK, no problem. Welp, it happened again, but this time there are now 2 mobile deposits on my account. One that says available tonight and another that says on hold until Dec 7th. Now what bothers me the most is, my father just died in Dec of 2021 now I am planning his mother's funeral. Trying to get prepared for a funeral with a 7-10 hold on a check is ridiculous. Nobody can tell my why. I deposited a check from the same company in Dec, just different amounts and there was NO ISSUES. They will not stop the check nor stop the hold. They do not care about their customers nor what we have going on.


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In late August, my Visa credit card was scammed; but, I did not know where it happened. The next few days, there were fraudulent charges appearing on my account. I reported them and Regions canceled the Visa card and removed the charges. I received my new card a few weeks later and the first time I used it was at a POS device at a grocery store. The very next day, a $106 unauthorized charge appeared on my Visa account. This happened on the 3rd of Sept and I reported it on the 4th. Again, Regions cancelled the card; but, they although they accepted my dispute report, they did not put a hold on the fraudulent charge.


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Every time you want to log in you have to have a text sent to your phone and twice validate, every time! I tried to contact someone from the company about it to potentially change the settings but the website literally bounces you from page to page looking for a "message me" button that doesn't seem to exist. The feedback button does not open the page which could be blocked by cookies but all of that time spent looking and trying to get a message to customer service is time wasted. Companies make it so hard to get in touch with someone when you have an issue and that needs to be a thing of the past.


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Replacement card was requested 8/11/22. On 9/11/22, since it had not been received, that account was closed and a new card requested. It was again not received, so a replacement was requested on 10/5/22. In the meantime, the temporary card has expired. It cannot be extended. It cannot be reordered via phone. The closest office with Saturday hours is 65 miles away and only open until noon. All offices are closed until Tuesday due to a Monday Holiday. I have no access to my own funds and the newest card has a 7 - 10 BUSINESS DAY lead time to arrive, so I can expect it around 10/19. 


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I the account holder deposited a check on September 25th through the mobile banking. I knew that I needed the funds to be available before I was to travel to Hermosillo, MX. I called on Monday to confirm the check would be release and Chavon explain the with the night transaction the funds would be available. I arrive in Mexico on Wednesday and there is a hold on the check for 8 days. I call the fraud department because the account was placed on restriction while in Mexico. It's a good thing that I don't have all my eggs in the same bank(basket). There was no urgency to get this corrected. 


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I opened an account to receive a promotional bonus. I asked multiple times about fees and was assured if I met their criteria, I would not get any fees. But, surprise! I still got a fee. Honestly, I expected it based on some of the other reviews, but they offered $400 to open a new account, so I thought it was still worth it. I got the bonus and naturally wanted to close the account due to the high fees. At first, I thought I couldn't figure it out online because it is a very poorly designed online banking experience, which it is, but it turns out my account was locked! They would not allow me to withdraw the money unless I visited a branch or sent them a notarized letter. I read a review below, and it looks like they'll charge me a fee to close the account. There are plenty of better banking options out there. Avoid Regions.


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Be very wary of opening any kind of account with Regions Bank. They play bait and switch with their customers and do not honor their bonus offers. Regions makes their customers jump through hoops to earn their bonus offer as an incentive on to open a new account however when it’s time for Regions to honor the incentive the customers will be denied the bonus offer despite meeting all requirements. I have contacted my district attorney’s office as well as the BBB. I have posted many reviews on Google and Yelp about my experience with Regions Bank as well as telling my story to friends, co-workers and neighbors.


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To begin, I Yasmine ** account holder at Regions Bank deposited a check in the of $4,875.00, on August 9, 2022. The check was endorsed by my attorney for an settlement against a Company. I deposited the check through Mobile Banking. I requested for the funds to become available immediately, such as available next business day. However, a hold was placed on the check for 8 days. The funds had been stated to become available on August 17, 2022. On the other hand, the fund had been cleared on the 15th of August 2022 by the check bank; but the funds were placed for fraud at Regions Bank where I am a account holder, and where the deposit was originally made through Mobile Banking. I was instructed to visit a branch. 


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I am not a Regions customer and never will be. I used my debit card at the Pearl, MS branch and it was retained by the machine with no explanation. They could not care less. Teller simply said it could be a number of reasons and Regions could do nothing as the ATM is serviced by Loomis. Regions later sent me a letter saying, "Sorry contact your bank," which I had already done, and they had no problems whatsoever with my debit card. A letter to Loomis went unanswered. I am having an attorney contact Regions, but beware if you are traveling and need access to your money!


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Don't go to Regions. I have been with Regions since 2019 here in Nashville. I have had my debit card block more than 50 times for transaction that is recurring and transaction I do e every week. So they lie to you and all they do on the phone is say, "I understand and I am sorry." No that don't understand unless they are in our shoes. They lie about your account and won't admit their fault but yet use you to cover up their mistakes. Heck if I had to go to bathroom and pay to go they will block it.


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I entered the Cedartown, GA branch today, after receiving my long awaited disability and back pay. Only to be treated like my money was not welcome there. I asked to open a checking account and Patricia **, who works there, looked at another lady who works there, and said, "I am not going to do it." To which the other lady responded, "Neither am I." This was not at closing time and there were only three customers in the bank excluding myself. At that point I was embarrassed and humiliated and told them thank you anyway and left. I cannot believe that I was treated with such blatant disrespect. I would advise anyone who does not necessarily "look the part" to think twice before giving them your business. And I intend to communicate this to everyone in every way possible in my hometown.


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After ten years of difficult business with Regions, they’ve ruined my credit score over a $5 credit card balance when they stopped my auto pay for reasons they refuse to reveal. This card had been on autopay for several years since they finally began allowing autopay from external bank accounts. In Jan ‘22 I took a $5 Uber ride billed to Regions CC. I work out of town for months at a time, hence the need for autopay. Feb and March statements were missed as I was 1100 miles away. By the time I got home, my first clue there was a problem was a denied credit card application despite a credit score of 842/850. The reason was a current delinquent CC account. Long story short, 1st customer service said many people had their “external autopay” deleted and she didn’t know why. Complaint filed requesting credit correction. 6 weeks later no written letter as promised. 


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My checking account was compromised while I was out of town. I reported it to Regions that same day while I was out of my state. The fraud department reviewed the claim and issued a denial without a proper investigation. I had other cards that were used to prove I was never in the location where my card was used. Regions did absolutely nothing. My advice for you is to run from this bank fast. I will be closing all my account. They are not for the hard working consumer.


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I been banking with Regions for 15 yrs and I had an overdraft of .98 cents that I paid when I got up before they closed but they STILL charged me 36.00 fee. I have part of my check going there direct deposit. I also have a credit union that I bank with and they give me 250.00 free overdraft coverage long as I pay it back in 24 hrs so I HIGHLY RECOMMEND if you are not rich DO NOT BANK WITH REGIONS. Go to your local credit union. Regions will not even give you a loan no matter how long you been with them


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Updated on 05/06/2022: I'm still waiting for MY money to be deposited into my account. Been a week since I put cash into the ATM and the ATM crashed. I've been dealing with robots, rude "chat" people and nothing but a run around. ONE person has been helpful but still can't get my cash deposited into my account. This bank is a joke and should be shut down. After reading reviews from other customers (over 1,000) complaints about the same issue I am going through is a shame. Can't contact an actual person and God forbid corporate do anything to actually help their customers.. Funny but they need to realize they work for US! Without us they wouldn't have a job. I'm hoping people will start reading reviews before trusting their money going to any bank. Hopefully this review and the 1,000+ other reviews posted about this bank will help someone. GO ELSEWHERE. READ REVIEWS.


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Wow. This bank is HORRIBLE. Wish I NEVER came across them. I have perfect credit and a perfect pay history for over 20 years. I signed up with this joke of a bank for one of their credit card promotions - DON'T DO IT!!! Their website was a disaster to get set up. I set up auto-pay but it didn't take. They then (without sending any notice) gave me a late on my credit (first one EVER). I asked them to remove it. They said, "NO". Then, after 3 months, their system screwed up again (how does auto pay work on all my other cards but now with this place?). Again, a 2nd 30 day late - with no notice. And would not remove, although it auto-paid for the other 3 months. This place SUCKS!!!


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Do NOT open a business account. They will pull so much money from you for their “fees.” I spent at least an hour a week trying to get resolution to banking issues. Went in person two months ago to close my account as per their instructions. It’s two months later and I still can’t get it closed and yep! They are still collecting fees. It has been the biggest nightmare. Don’t try and speak with someone because their automation will have you going in circles.


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I'm a retired business owner and dealing with Regions and trying to consider them a real Bank is beyond my ability. Never have I had dealing with any financial institution that was so damn uncaring and sloppy. Four times they stopped purchases for no reason. Brainless people running this bank and for sure their so called fraud department. I'm shopping for a new bank today and will be leaving these clowns very soon.


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Tried to review my online bank account today and received a notice saying my account had been locked to security reasons. I was given a number to call, waiting a ridiculous period of time. Then I went through an identification process and then was told I had to be transferred to another department. This time I was told the wait time was greater than 15 minutes. I have been an account holder for many years & the process for addressing a situation is ridiculous. I have had numerous similar episodes over the years and the bank refuses to publish local branch phone numbers. If it is possible for anyone to avoid opening an account at this bank, I strongly recommend you look elsewhere.


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This is the single worst bank I have ever encountered. They accept checks for deposit that are made out to people/entities other than the payee! I am astounded by this behaviour and when called on it I was in essence told: Too bad, so sad. This is something I would expect a bookie to say, not a major banking concern. In any event nothing could be done because they arbitrarily decided the matter was not worth their time or scrutiny. I guess when you're a big corporation you can pretty much do whatever you want. They blew me AND the BBB off. Mr. **, you should be ashamed of yourself!


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I put 700.00 in the ATM on Friday and it basically ate the money and gave a receipt. I went to the branch and called customer service they said it could take up to 10 days to resolve. This is my rent money. I spoke to branch manager Andrea and she was nonchalant and didn’t help. Customer service on the phone said the branch should be able to fix the issue and they refused. I spoke to the area manager and it was the same thing. They won’t provide the credit and hold your money while they investigate instead of just fixing it on the back end. DON’T TRUST. I am out of my rent money because of this bank and at this point don’t know if the issue will ever be resolved because they DON’T CARE. All THEY DO Is APOLOGIZE.


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This bank for 9 months has did activity in my account. Several customers are angry with this local worse bank in century. Ok so last August how you send money to credit card and take back and make me pay; last September you give IRS and take back and re again December as a $200 payment once a new agreement with them set! Crooks I promise!!!! Yesterday took the cake for me and never banking there again!!!! They will be paid by the 30 day mark and that is it and never ever never!!! They try to make my job Uber not give me rides but to bank they paid every day I should never see longevity overdraft period. As they curiously. I was told they pay back is 7days then 30 days!!! I am in absolute anger!! Don’t bank with them then my IRA account they rejected as wire transfer and then took it!! How when it was under review at Fidelity! Crooks! Then placed it in my bank account as a negative!


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I had missed a call from Regions Bank and I returned it. The lady let me know that the company I work for loan is 34 days past due. I told her that I’ve been a week and a Hospital and just got out but when I get back to the office I will look into the matter. She proceeded to push me to go ahead and pay over the phone and I reiterated that I am not at the office and I just got out of the hospital after a week stay. The disappointing thing is regions has built this big PR campaign on relationships but this lady Was unconcerned about my state of health and just wanted to get a payment. Sidenote. I have banked with regions Bank for at least 20 years. I am not a fly by customer. Sad and disheartening regions has gotten to this point.


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I wanted to use the external transfer service from Regions Bank checking account to another bank's checking. When I asked beforehand, I was informed that there would be no fee for the outbound EXTERNAL transfer and was said to feel free to do it without worries. However, I was charged $3 as the outbound service fee. After seeing this, I contacted 3-4 agents by phone, and all of them said the $3 fee was charged by another bank, not Regions. Now, it turned out that Regions bank actually DID charge $3 for the outbound external transfer. A Regions banker says that they are sorry but that there's nothing they can do about this.


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I was amazed when leaving Regions Bank. I had been a business, and now only, personal account holder with Regions Bank for many years. My activity with them due to medical reasons had been dormant for quite some time. Finally after improvement I visited a local branch for the first time in years. Today, in light of changing times, digital access, reduced interactions, and effective communication, I was left in amazement with how I was made to feel once my banking business had been completed. I can assure you Regions Bank still values their customers with dignity and respect at a level not often found, today.


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Every branch appreciates your business, regardless of your financial situation. They're friendly, and are loyal to honorable Veterans or proven customers. I'm disabled, and they afforded me a better life when I was down and out. Prove to them, and they will prove to you, their loyalty. I love these folk. They got your back. Much love.


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On 9/22/21, I sat in front of Steve **, Regions Bank branch manager, Republic MO, for one hour to open business account in name of Lamarch Capital Holdings, Inc., handed him $100 and today I learned account is not open!!! Where is my money? I want my account open!!


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Regions doesn’t do anything well, my branch keeps the phone off the hook and say it’s had problems for a week, when actually it has not been answered for months. 941 238 6100 try it yourself. You will always get the same answer to your problem “we can’t help you” “sorry we know how you feel” 800 253 2265 will answer some time. Always 30 min wait at best. Very poor bank. l have automatic payments set up only reason I put up with poor service. They were a solid bank when it was AM South but keep going down. I don’t think Regions can get any worst than they are. But I am sure they will keep trying.


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Submitted application in May. It's soon September 2021. I still have not closed on Refinance. Guess Mortgage dept is putting me off for Purchase home because the commission is higher. Wow this experience is the worst I've seen yet. Some of my former colleagues used another Mortgage company and was able to refinance in 45 days. I'm pushing 120 days. Always let me check with coordinator blah, blah..Just a little frustrated!


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I have had a terrible experience trying to receive customer service assistance today regarding my Regions visa account. I have been passed to 4 different people to fix a problem with my online account. After signing on, I can't see my prior transactions or make a payment. After being transferred 4 times over 1 1/2 hours of waiting time and explaining my problem at least twice to each individual, I was hung up on. I am so fed up with this bank that I am fixing to close my account out. They have kept me waiting over an hour and a half today and still no assistance. If I could give their customer assistance a 0 out of 5 stars I would, but since I have to give them a 1 star in order to send this message I am going to complain about it.


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This is the HARDEST bank to get in touch with. I went to a Regions ATM machine to make a deposit and the machine took my money. The bank was closed so I tried to call the customer service and no one responded for days! No one picks up the phone. Not to mention, they deactivated my card due to me disputing a transaction and it took almost a month for my new card to get delivered.


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I don't know how this bank stays in business. There are NO local phone numbers and the phone numbers they do give out are so automated that it takes 10 minutes to MAYBE finally get to a real person who then tells you that your problem can be solved online or at your local branch, blah, blah, blah and you are NO better off than when you started! I would NEVER trust anything of mine to this runaround company.  Good luck ever being dealt with upfront and honestly! I am extremely disappointed in this so called bank!


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I am a long time customer (credit card, private bank customer, HELOC and checking account, who applied for a HELOC with Regions. My credit rating is 827 (per Regions). Application process started in March until I finally was exhausted and gave up in June. I would be requested for my information, submit then would repeatly be asked for some new item, submit that info then a week later a new request would be sent. There has to be a list of information that is required at the start. I went to the local office in April to complete application process only to be stalled for another 2 months. It was like they did not want to make any loans. Poorest customer service I have ever experienced by any lending institution


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HSL, the owner of a small business, is a victim of Regions Bank. Last year she was contacted over the phone by a representative of Ascentium Capital, a subsidiary of Regions Bank. They advertised financing for a POS system called Clover. It was seemingly a great deal, they stated that there wasn’t a contract and stressed the quality of their customer service. When she started the service, the price was significantly more than what was said over the phone, and it grew monthly. She tried calling the number she was given and had trouble getting a response, when she did, they would dodge her questions and kept talking to fill the space. The problem of being overcharged stayed the same no matter the number of times she called. She wanted to cancel the service as it had become too expensive for her to continue.


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I am currently working out of state due to Covid 19 as nurse that was relocated for 6 months. I need a replacement debit card for my checking account because the chip was broken. I ordered a new one and they froze my account and reported me as fraud because while I was away the name of my street changed and for a moment I blanked on my new street address. After 3 hours on the phone they agreed to send me a new card. They gave me the Visa 911 card replacement service. After an hour on the phone with Visa, Regions Bank was sent an approval to provide a new out of state card. Regions denied it. I had to spend another 2 hours on the phone with regions again.


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My father died in January 2021. I am trying to take care of final expenses and affairs. I received a post card from Regions stating IMPORTANT NOTICE INSIDE. Inside had printed NOTICE OF CHANGE 04/13/21. I call Regions Customer Protection Center. The representative stated he could not help me so he transferred me to 800 S Shackleford Rd, Little Rock, AR 72211 and provided a phone number of 501-371-6400 just in case the call got disconnected. The phone rang until the call was disconnected. I immediately called the number directly and received the same result, no answer.


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My card was compromised and I had to replace my card. Since then the fraud department has locked both my daughter and husband's debit cards without cause no fraud just locked them without warning!! Absolutely no access to money on their debit cards. I have called to have the block removed and no one will ever pick up. This is the 4th day!! I’m on hold in excess of an hour every call and only a stupid recording. I called customer service, they apologize but say it’s nothing they can do. Do NOT bank here unless you have the patience of God!! After 20 years this is the piss poor service you receive. And calling 1800-REGIONS is of no help in getting anyone to answer.


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A customer use to be able to look the telephone number to a specific branch and talk to someone in your local branch. Now it's a number to a call center and "Reggie" is your contact. An automated answer service that attempts to answer your question or assist you. This normally waste about 30 minutes of your time. Now they are closing branches and my local branch is one that is being closed. Had they maintained their original customer service and ways of operating this branch would probably not been affected. Believe it or not there are still some people that like to have that personal, professional interaction especially when it comes to your financial institution. I will be changing where I do business in the very near future. Regions Bank USE TO be amazing! Not anymore. Look at your options closely.


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Well I been a customer for 10 years and the only thing I keep with them is a checking account which I will be closing very soon. I had a credit card and a credit line but this bank Customer Service is awful. I got excellent credit score and they dare to deny me. So if they don't value or appreciate my business is time to go somewhere else. Also, the place really doesn't help either, my loan was processed in the "GREAT STATE OF ALABAMA". Thanks for wasting my time. Never again!


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I opened an account years ago and because I moved into a house they want to see my lease or they said they will close the account. None of their business. Very unprofessional. They closed my account. I have heard the same stories from other members and I can't be more dissa.


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I had my father close my Regions account, and since he managed the account, they couldn’t disclose anything to me so they sent me my money in form of cashiers check for $2,000 cuz he’s been stealing from me. My banking experience with these people was horrible. They don’t do anything but sit on their phones from what I’m seeing. If you do get with someone in person, you will feel like you're talking to a wall or to yourself because they don’t what you're talking about and if they do know what you're talking about, they’re not gonna care anyways. 


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Regions bank froze my account because someone got into my account and deposited a bad check. My bank account is on hold until my local branch manager returns from vacation...which will be after February 3 when my retirement check hits my account. If my account is still frozen on Feb 3rd my bills linked to my retirement will all bounce.


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Opened an account 3 days ago online. Went to bank 1 day ago to make in-person deposit of my payroll check. Teller told me payroll check will be available in 1 day, yesterday. Went to get money today teller told me my money won’t be available till Tuesday even though it says on my on-line app it available NOW. Talked with teller, then customer service then teller, everyone of them had a different explanation. I wish I would of read reviews before opening a new account. I only opened it here because of the 62+ free checking. If my funds are not available on Monday I am contacting BBB and whoever else I can scream “don’t do it, run” to. So far worst experience ever.


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Where do I begin? Their $400 welcome bonus is a scam. I do welcome bonuses frequently as I have moved a lot and this is the first time I have been scammed. None of their online tools work properly: from opening an account, to asking/emailing a question. Errors come up constantly telling you to call. When you call, just expect lip service and never expect your problem to be resolved. The specific location in Missouri City, TX can't help you with anything. The drive through will show "closed "and you have to walk in (during covid, with your kids) and ask why it's closed. It's always because the teller "forgot" to turn the light on and was too distracted by her phone to notice you there. There are never any customers at that location, so being swamped isn't the problem.


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I opened an account. Went to the bank and made my opening deposits on a checking and savings account. When I try to use the debit card it says no account found. When I try and call it says the same. I was switching from Wells Fargo but I think I’m closing this account out and going back to????


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My wife and I applied for a home equity loan. We have stellar credit and our home is paid off. We only wanted about $6k for a pole barn. Our rep. Diane ** said we could borrow up to $200k. No, we don't need that much. Well we settled on $25k. 3 months pass and our phone never rang one time. We called to check the status on occasion and our rep was rarely available. Then after blaming the underwriters for the delay, we received an email to authorize an appraisal. The address on the appraisal was for a previous house we owned over 2 years ago! Still no phone calls from the bank. 


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After disputing another charge that had been previously disputed for services not received on a Adobe subscription charge. I went to use my card only to find out the card was killed after the unauthorized dispute was filed today. I went into the branch in Decatur Ga, and was issued a new card. When I tried to use the card the store said the card was counterfeit. The police were called and I was detained until I could prove my Identity. I go back to the branch, 2 people were being helped at the counter so I asked a lady sitting in the first office if a manager was available. She says, "I'm the manager but I'm on vacation. A teller can help you." I said, "I need a manager." She turns back around and ignores my request. 


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I check my account daily, on 12/14/20, there were pending charges of $54 and change, had an available balance of over $170. On 12/15, we get a monthly deposit (every month on the 15th). I check my account on 12/15, they charged me $180 for 5 debits! It's now showing they cleared the day before. Those specific charges were not even pending the day before! I know they came through on the 15th the same day as my deposit. I've talked on the phone and email with them,  they refuse to reverse the charges. Not the first time they've done this, however, this is the first bank I've had problems with overdraft fees that should not have been charged to me. 


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I would like to say that I have been happy with my service for many years until now! To make a long story short I was the victim of fraud. I received a check that was supposed to be paying me back for money loaned and deposited the check. The Bank placed a hold on the check. Say they didn't think it would cash? I called the sender of the check about it and was told the check was not good because of a bad routing number? I then called the bank and told them the check was bad and could they just stop the transaction. I was told it would just have to be let return and it would work out. 


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Regions Bank sent me an email invitation to open a Money Market account and receive a bonus. I still have the email; I followed its instructions. Now ... after phone transfers and a half hour on hold ... they're telling me they have no record of such an offer. Additional frustrations gave me to understand I wish to do no further business with this bank — and, when I indicated as much, they informed me they are now going to charge $25 to close my account.


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I'm helping elderly Dad close acct, customer svc said we're all set couple weeks ago after phone call w/ both of us. Now they want notarized letter. Long hold times, calls dropped, asking him too many questions to verify acct (he has memory issues). He gave SSN, birthdate, phone, had to go find his address, that wasn't enough for them! Ridiculous. Good riddance!


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They make everything look good, but it is all a scam! They make it impossible to actually qualify for any of their advertised special "deals". There is NO customer service at all. Have to drive to a location and sit in drive-thru line for any help. Phone is never answered. Your money will be tied up for weeks and will likely get very little or none of it back after the fees they charge due to your money being tied up by them! It has been a full time job for the last 10 days just trying to get my money back and close the account! Their behavior should be illegal if it isn't!


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I wouldn't bank anywhere else. Very friendly and personable tellers and loan officers. Online banking system is very user-friendly and secure. When we have needed a loan, always easy to obtain one. Great bank for consumers. Highly recommend.


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Regions Bank is a NSF fee predator. I clearly noticed posted charges and a posted balance on 08/07/2020. There was a single pending debit card charge making my available balance negative. I went to a branch to cover the negative available balance. I was not able to make the deposit as the lines at the drive through were backed up and the branch closed before I could make the deposit.


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We switched to Regions because we wanted to be able to bank from several locations. My husband is a Merchant Marine. I run our ranch. We switched to from a perfectly good bank for this promise. We attempted to use this promise and was not able to use it with out going through a manager. I recieved a check from a friend and she wrote it out to cash. I tried to cash it. It was only for $60. They said you can't cash it here even with an account. The reason because you can cash that anywhere. I looked at her and said evidently not. I got locked out of our on line banking account. I am deaf so I have to get someone to repeat what they are saying so I can hear it. After waiting the full 45 min. they hung up on us and never called us back.


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Many years ago when Regions first bought out Union Planters I had so many huge problems with them that I said never again. When my husband and I got married 3 years ago and combined accounts he already had one at Regions and where I banked didn’t have a branch where we were living. So I ate my words and went back to Regions. I can not complain about anything since moving back. We have a checking, savings and have had two separate loans. So I give them a 4 since I did have such bad issues what must be 20 years ago. But if I based it on just my experience over the last 3 it would be 5.


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Regions is big enough to provide most of the services I need and small enough to provide personal service. I do wish they were better at providing loans. We had to go to NFCU for a $23,000 loan because Regions would not fund it.


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Worst customer service I've ever experienced. A phone call to Regions will take no less than 45 min-2 hours to have simple issues dealt with. I tried calling the fraud dept 4 different times and was on hold between 45 min and 2 1/2 hours each time I called and never spoke with anyone. They would literally answer the call and then hang up after I was on hold for hours. This happened 4 different times on a Friday and a Saturday. I spent almost an entire Saturday on hold and never spoke to anyone. They also don't offer a call back feature so you are forced to sit on the phone, on hold, listening to some of the worst music you will ever hear. There is so much more I could go into that is just so bad about Regions but just know to stay away from Regions Bank! Truly a horrible experience each and every time. Nightmare...


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So I’ve been with Regions for only a couple of months and I would suggest anyone who is interested in opening up an account to run! I got a rental car though ACE rental ATL and was scammed out of $910. Regions bank denied my fraud claim twice even after me sending proof that the car they provided me with had a check engine light on, a broken mirror (which is a safety hazard) and dirty seats. Not only did they rent me a terrible car but they charged me an extra $400 without me authorizing it. When speaking to a teller they said they can only give me a credit if the scammers agree to refunding me. Now if they were going to give me my money back would I be disputing it with regions? Absolutely not! What’s the purpose of having a bank account with you guys if my money isn’t insured.


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I have two checking accounts with them. I’ve since moved to a new bank because of my total disgust of this institution. I regularly transfer funds back and forth through the two accounts through my log in. I had a large amount deposited in Regions which sat there for about a week. I decided to move that amount to my new bank. I wrote a check to my new bank against my Regions account to keep from physically handling cash. I made the transfer per usual but the amount didn’t show up per usual. Instead of freaking out I gave it about a day, saying to myself maybe this is their normal system trickery to secure funds of this amount. I inquired about my transfer and was then told that it went into another account which I have no association with. A closed account that they couldn’t tell me anything about because they can see closed accounts.


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I have had a business account with Regions for 6 years. During the Covid-19 pandemic, I tried several times to get guidance about applying for PPP funds through Regions. Because I live in another state and am unable to visit a branch in person, this went against their "normal process" (though they accepted online applications for over a month at the beginning of the program.) I called the Orange Park, FL branch manager Darcy several times for assistance and did not receive calls back. When I finally spoke with him (through my own persistence!), he said he would call corporate to see what could be done and then, you guessed it, he never called me back. I was finally able to apply through another bank, but I feel very let down by my business bank at the time I needed them most. I will be closing my account and moving to a bank that values its customers.


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Please don’t bother banking with this institution. Horrible customer service. Went to the branch on Johnson Ferry Rd Marietta GA. Obviously some racial profiling going on. Never again would I step in this bank or recommend anyone.


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Long story short. I opened a dispute for a transaction on my debit card. The dispute was opened as fraud. I do not work for a bank so I was unaware the dispute should have been opened as a merchant dispute. Regions sided with the merchant without having the merchant provide a phone number or tracking number for a order I placed.


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In all my years of banking, Regions is without question the WORST! Terrible customer service. I'm very disappointed in this bank and one star is being generous.  I wouldn't recommend this bank to anyone. In reading many other reviews on here, I'm sure that I am not alone. Do yourself a favor and look elsewhere for your banking needs.


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This is the worst bank ever! Someone tried to pass off a bad check. I opened a separate account and brought everything to Regions' attention. I did not complain about the hold and simply waited. Without even telling me, they placed a freeze on my completely unrelated business account, closed it unilaterally, then only after spending hours on hold and waiting, then hours on hold again I was simply told that their "back room" decisionmakers decided to just send me a check by mail. It is going on three weeks during a period of National Crisis and I cannot even buy groceries, not to mention operate, pay my rent, etc. with MY MONEY!!! Unconscionable! Run Away! I have a Federal Complaint pending, but they are just riding on a National Cr. I would love to see what a jury does.


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My debit card expired at the end of February. I didn't have a replacement available when this happened. I thought it was lost in the mail or stolen so I blocked it to be safe. It ended up being postmarked on March 3 and it took a whole week to get to my mailbox. By then I called my bank because Regions didn't even bother to send a new replacement when I blocked it. The local bank ordered a new one and said it would take 5-7 business days. Two weeks later and IT'S STILL NOT HERE. I pay bills with this card so I'm not exactly happy about having to roll everything to my credit card until whenever I get the new card. If I get the new card.


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This is the worst bank ever. They are rude. They don’t do their job. They won’t give you your provisional credit even though you get direct deposit. You call they don’t care. I have had nothing but problems with them. I’m on a set income. They don’t care. It’s ridiculous how they treat you. Run from this bank.


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I've been banking with Regions Bank for 4 years. They have ripped me off from the beginning. Rearranging my deposits and debits on my account to make it look like I've overdrawn my account then charging $36 per overdraft. See I keep a very close check on my account multiple times a day. Every time I purchase something I log in and check that the money has come out. It always looks good to me at first. After a few days cleared deposits go into pending section. Cleared debits for the bigger amounts of money THAT HAVE ALREADY CLEARED and are OUT OF THE PENDING SECTION Switch with smaller debits that are still pending. So the smaller ones go to the cleared section and the larger ones go back to pending.


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Please do not waste your time banking at Regions Bank. Their fees are horrible. They charge you $36 on a $10 reoccurring debit transaction. They look at reoccurring debits as electronic checks, automatically opt you in without your knowledge and cover it so they can charge you $36. They suppose to decline it but instead they are stealing money from you. I have recently opened an account at another bank approximately 6 months ago and so far, it's awesome. You will regret banking here if you do.


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Regions is not a real bank. They are criminals and an incompetent business masquerading as a financial institution. There were fraudulent transactions made to my checking count. Someone managed to withdraw $1500 from my checking account. They did nothing to resolve the situation. They assisted me in no way. They denied my claim and refused to dispute the fraudulent transactions. 


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I have been banking with Regions for years and have had several issues. First, their customer service is awful. Expect at least a 30 minute wait if you call.... and that’s after going through about 15 minutes with an automated teller that tries to keep you from talking to a representative. I recently had an issue with my account that was not resolved, yet, I was on the phone with customer service for an hour. I finally hung up as they kept putting me on hold to talk to someone else. I even had to go to the back of the “line” when they “transferred” me to another department. They were not apologetic at all and did not solve my problem. I have decided to switch banks, but, wanted to share my experience with others to save them time. Oh, and they have lots of fees that other banks do not have. Frankly, they are big business and do not care about their personal banking customers.


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I had Regions for over five years, always fairly good experience. Then they changed to the chip card. It never worked, so they had to keep sending a new one every few months. Everyone wants your debit card now- no one takes checks, so every time they sent the new card, I had to call several companies- it was a pain! In addition, the customer service was awful. I would often wait up to an hour to speak to someone who did not seem to care. After a year of switching 20 bills to my new card every four months and waiting an hour for help, I switched to a new bank.  


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I have been a customer of Regions Bank for at least 25 years. I'm a senior widow who had to file for bankruptcy, mostly because I was scammed. Around two weeks ago I got correspondence stating that my checking and savings accounts were going to be closed. When I went into the bank to find out about it, the associate called the main office and found out that it was because I had filed for bankruptcy. I was not told that they would be freezing my funds right away, but I found that out a day later. 


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I had my credit card set-up for auto-payment, you know set it and forget it. They failed to withdraw the money and did not send any type of email or any other communication to say they were having problems with the transfer. They did nothing except submit a derogatory report to the credit bureau. Now they are telling me it could be 60 days before they can fix it. If they do.


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I do not have an account with Regions nor could you pay me to have one. I use a credit union debit card and their ATM in Milan, TN simply ate my card. I called "customer service" and received zero... customer service. I asked supervisor, again, no service. Apparently Regions does not "maintain" their own ATMs so if it eats your card for no reason, you're stuck and will have to order a replacement. Regions Supervisor: "If you had an account with us I could help you," Me: "Why would I want to do that to myself?" Don't do it to yourselves, people.


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On Jan 3 I got paid so the daily routine to pay bills is started. I use debit card as I do not like cash because I usually spend it and never remember where it goes. I had been delivering puppies from 5:30 am and since I hadn't had any money prior week groceries in the house were at 0. So 1st stop is at local general store spending about 17. 2nd stop was at atm to grab a little cash to pay a bill where cards aren't accepted. Ok good. 


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This is to express my disappointment in the way that my account has been handled. The agents I spoke to have been kind, but unable to fix my issue. I've been a Regions Bank customer for almost 15 years. Recently, I married and started a new job. We've been in the process of moving our money around so that we can set up to purchase our first home, & a few PayPal transactions processed without warning.


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I have had my Regions account for numerous years now- my accounts always in good standings. I recently deposited a check and was given the standard “Hold Case by Case Basis form” by the person who deposited my check into my checking account. The same time the person was insistent on me speaking to the banks Investment Banker. This person was also extremely pushy on me NOT touching my money until I speak with said Investment Banker. I left there with a general understanding that within 2 business days 5,000 of the check would be available. Well we are nearing week 2- and nothing has been released. The bank won’t return the check to me- they won’t clear it- they just want to continue to hold it. 


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I am so over this bank! They charge you NSF fees of $34 if your account overdraws by even $0.01. I understand the account is negative, but, come on. They will also charge an NSF fee is their monthly service charge makes your account go negative. They pay debit card transactions that would normally decline on your check card but if that merchant has billed your card before (a reoccurring charge) then they will pay that and charge you the NSF fee, of course! Even though it should decline the card. They are fee hungry and their customer service is completely worthless. I have switched over to SoFi, there are no fees and if you don't have money in your account they decline the transaction -- as it should be! I will NEVER bank with Regions again. PERIOD.


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I've been a customer of Regions Bank for over 2 years. Had 2 different business accounts. Have had hundreds of thousands of dollars go through their accounts. I went to an ATM on Wednesday December 18th. I deposited $1000 into a standalone ATM in the Cloverdale branch Montgomery Alabama. The machine shut down, took my money, took my card and did not spit anything back out and did not give me credit for it. I've been on the phone for over 12 hours total and holding and in talking with their customer service and here it is 10 days later and I have still gotten no help in any way. 


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We always make sure we have enough funds in our account for purchases and bills. We had sent $100 to a family member when an unauthorized payment of $137 came out of our account shortly after which left it overdrafted. We were given a refund on the fee since it was the first time but was still left with -$17.00. We deposited $150 into the account to account for the $100 we sent and the negative $17 and thought we were in the clear. By the end of the night, our account was in good standing with a balance of $33 which we were going to use for gas. The next day, there was another $36 overdraft fee for the $100 we sent that was already posted and they refuse to give it back even though the overdraft fee was not there the night before.


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First of all it's hard enough to get ahold of anyone at regions Bank and it's sad that I had to Google a phone number and follow what other people have done to get a live customer service rep on the phone. Then I talked to someone and I feel like I talk to a wall! No help at all. These people literally want you to get up and go into a branch because they don't want to help you at all! Well I'm done. I will be taking my money out of the bank and going to another bank because they have proven themselves the stupidest Bank in the entire world! Thank you regions for being the stupidest Bank in the entire world proving that you don't have any customer service skills and making people have to get out of bed after they've taken their sleeping pills trying to get themselves killed. Sorry not me. I will handle this later after I've gotten some sleep. But if I could give zero Stars I would or even negative zero 10 plus stars for stupidity I would! 


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I am new to regions bank and had a overdraft email sent to me, I always check my balance before I make any purchases to avoid overdraft. I called customer service. Spoke to a banker and they told me as long as I can transfer money to my account even using Zelle that I will be fine. I got a few of $36 I called and they then notified me that I had a couple overdraft but since I’m new they will return it to me. They did return one and told me to wait for the other 2 I had pending. I then call now since I never got a reimbursement for the other 2 which all happened together, I was told they can’t do anything for me that because they had already did one and sorry about the misunderstanding from their employee. I wasn’t given the right information apparently from their employee but I still Have to pay for their mistakes? Horrible service, worst bank and customer service.


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I’ve been with Regions for 15 years. I know for a fact that when you use your debit card, the funds are debited out of your account right then. I paid a bill, the amount was taken out, I had funds left over, but somehow I ended up with an overdraft the next week. I called and was told that the merchant put it through last night (weekday night), and it caused my account to be overdrawn. I called the company and was told that they received the payment 2 days after I made the payment. So I called Regions back to discuss it, but didn’t get anywhere. It’s always something with them, I’m done with Regions.


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My debit card was about to expire and I called customer service to try to speak to a human to find out when I would get the new one. The experience was extremely frustrating. The menu items were not appropriate for my question and when I selected the most general option, I was told to enter my SS# but went right to a message two digits in. I also tried to call my branch but of course that just went to the general Regions' customer service number. I already waited ten minutes to speak to someone this week and I'm currently doing the same. Regions just does not get it. They think that someone yelling out "hi" when you come in the door represents good customer service. In my experience when you really need something their customer service is awful. I'm switching banks at the next opportunity.


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AVOID AVOID AVOID!!!! 1st instance, the atm stole my $500 deposit and shredded my card. The customer service reps are useless. They are uneducated in regards to Regions policies. When you call you are on hold for at least 30 mins. One time I was on hold for over an hour about Zelle and my issue still wasn't resolved. I was transferred 3 times. The only reason why I held so long is because I needed the issue to be resolved that night so I can sent money to that account to cover transactions scheduled to come out the next day. I ended up with $108 in overdraft fees. Customer service reps ARE NOT equipped to resolve issues. They will just tell you to go into the branch... the same branches that are opened during my working hours so it's impossible for me to go in there during the week.


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My daughter and I both had accounts at Regions for years and closed our accounts and moved to Chase and Capital One. Every time we had a question on our account they would make us "come into a branch to discuss," when it was something they could take care of on the phone, they just wanted to make it difficult to get anything done. They would find reasons to slap fees on our accounts, would open my daughter's closed account and charge fees to her, it took us four months to finally get an account permanently closed (hopefully, still waiting to be sure this has actually been done). We are both business owners and if we treated our clients the way they treat their clients, we would be out of business, stay away!! (I gave it one star because 0 stars wasn't an option.)


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I went to a branch to deposit a simi-large check from a well known banking establishment and after I made the deposit they informed me that they were holding part of the money for over a week. Later I made a payment online for a semi-large amount and instead of sending it electronically as usual and without telling me they sent a check to my credit card company. The worst part is that the payment is not showing up on the main balance page for that account and not even showing as pending which makes the balance showing on their online banking page as incorrect!


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Took out an auto loan couple of years ago thru Regions. They had no on line payment options unless I opened a checking account with them. Had to call in to make a payment or mail a check. Paid off the loan in full. One month and a dozen calls later and I still don’t have a letter from them showing the loan has been paid in full. It’s holding up a $2000 refund for an extended warranty cancellation. Furious. They only use snail mail and sent the letter to the wrong person and address! I can’t imagine having my checking or savings with a bank like this. Just warning others!


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Overdrafting me as soon as my deposit hits. Because they reorder transactions. That is taking money from me. Then no help at all from customer service. Worst bank ever!! They owe me $200 in fees and says it's my fault how when I had funds in there. My mobile app and statements look totally different from theirs. They told me they reorder posting transactions with deposits first then your larger transaction..therefore it shows you have pending transactions and they take overdraft fees from those pending transactions. Reordering transactions should be illegal.


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I have been at Regions in Springfield Tn. since 1995. I get a letter telling me my accounts will be closing on ---- day. I have never had a bad check or overdraft. Always had good balance in both accounts and they will not give me a reason for this action. If this is how they treat loyal customers STAY AWAY!!!! Just tell me what happened!!!! It's not right!!!!


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My wallet was stolen several weeks ago and the experience of trying to receive a new checking card from Regions has been hell. They said they shipped a new card as soon as I called. I was told it would take 7-10 business days, which already seemed pretty ridiculous because I’ve received new cards way sooner in the past. 


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They claim to have 24 hour customer service and they dont! You can't speak to a live rep on Sundays. And their overdraft protection is a complete waste of time and your money. They charge for it when you open an account but good luck on using it.


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Regions Bank Lost $1000 of My Money and No One Can Seem To Find It! I had auto payment on my checking account to my credit card. When my credit card balance was 0 dollars Regions did not stop two of my payments from going into my account. These two payments were then refunded out of my credit card account, but to where? No one knows. The credit card account is no longer linked to my social security number. No one knows where the $1000 dollars or the account is. They say the only way they can see the account is with my credit card number (which I shredded the credit card). How does a bank lose $1000????


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My ATM card was stolen and I reported it within an hour. The person who stole my card was able to use it at Target and got $1200 out of my account within 30 minutes. I was told if I made a police report I would get my $1200 back. I made report and submitted it to Regions Bank and 3 weeks later I was informed that my claim was DENIED. When I went to the bank in person I was accused of giving my PIN number to the person who stole my card. The only way I got my money back was because I had made a SECOND POLICE report in the town where my card was used. Luckily the police had pictures of the thieves from cctv. BEWARE of this terrible bank.


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As a small business customer, we secured a 3 million dollar debt at Regions to open and operate our business. We never missed a payment... NEVER. We were never were late on a payment... EVER. Despite this, we made changes that improved our profitability by over 30% and removed unnecessary cost. Mind you we did this just because it was good business. BUT, our market and market competitors who also financed with Regions in this industry mismanaged their businesses and many of them shuttered. So, what Regions kindly did for us was put out an olive branch to "make sure we were taking care of you" and with the other hand told us that they were going to start looking for ANY reason to accelerate our loans (despite us never missing any payments ever).


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When I signed up for an account they told me you have X amount of days before they locked the account for 24 hrs. They then changed it to be less than that without telling anyone, and extended the length from 24-48 hrs again without saying anything. Do not use this bank, any other bank is better than this one. If I could give it 0 stars I would.


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We had our bank card stolen on last month. Katy was helpful on Friday of last week but today indicated that we gave our pin number to the crooks that deposited the check and withdrew the money a little at a time. I had a stop payment on the cards when we found out it was stolen. I went the extra mile to call the company that the check came from and talked to the accountant. The accountant told me to tell the bank manager to call her to discuss the situation and she didn't want to call her. She finally decided to call her to discuss the situation of the fraudulent transaction. 


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Canceled my child support payment to my ex because of a "fraud alert" but didn't notify me. Two weeks later she's asking me where it was, and I find out it was canceled and my online banking was locked. After a long hold and getting transferred several times, I get my account unlocked and my ex unblocked as a payee. I rescheduled the payment and called the next morning to see if they would expedite it for free because of their mistake.


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I called the fraud claims department of Regions Bank (888)-987-6540 to report a claim as referred by the agent who notified me of fraudulent charges on my debit card. Their hours are 9-5pm M-F. For those of us who have a day job, it is almost IMPOSSIBLE to get a hold of a claims agent. I called 4 different times across 3 separate days and was on hold for 20-30 minutes each time and still did not get a hold of an agent. Who has half of an hour to lose to be on hold these days? I literally lost money by ignoring my own clients during that wasted time.


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Regions Bank charged me 218 dollars in overdraft charges in the past week. I Understand overdraft fees, but 218 dollars is just stealing from the customer. I have been with Regions for 8 years, but I can’t keep having money stolen from me. Please do not respond with solutions on how I should “avoid” overdraft fees, Regions shouldn’t steal from their customers. I bet Regions makes a ton of Money on overdraft fees!


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What bank closes on Saturday when most people are off work that day and what bank closes their ATM at 12:00 am. And they lie about the $50 referral fee. They don't tell you you have to open an online account. It is the worse bank ever. Strike that 1 star. I give them 5 demerits.


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I can’t believe this keeps happening. I’m about ready to close our accounts. I check on a daily basis (usually in the morning) to make sure we’re not close to being overdrafted. I let him use the card for a $5.99 purchase at a gas station. (We only had his cell phone pending, but the amount was adjusted accordingly and we still had $23 and change.) I go to pay the credit card, look on the account. -$150.38, overdraft fees of $108.00. Wtf?!?! They’re absolutely ridiculous with that nonsense! If something has already cleared, there shouldn’t be fees (and certainly not that high). We left BoA because of fraudulent activity. I think it’s time to find yet a new bank to go to after they keep wanting to move payments around to justify their overdraft fees. I am absolutely furious!


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I own a small business. I burn a lot of gas in order to run the business. I applied for a separate gas only card in order to help track that expense, primarily to ease collection of paper receipts. Universal Premium Fleet Card, "issued by Regions Bank" charges predatory level fees for unnecessary services that they do NOT ask the business owner to sign up for (I do realize that this is done "legally").


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Easy to use. Very efficient and always available to help. No fees to use. Like the fact that they have lots of brick and mortar offices in many states. We have been customers and account holders for decades.


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My account was hacked through online banking and they transferred $1000 in 3 transactions. The thieves used a cash transfer service called Zelle that Regions is partnered with to send the money somewhere in central Florida (I don't live in central Florida). When I discovered the fraud, I froze my account and reported it to the bank. The transactions were still pending at that time. Now, Regions will not refund the money because the breach did not trigger any security measures. Doesn't transferring $1000 by way of a cash service to a city I don't live in sound suspicious? How many more red flags do you need? I have been a Regions customer for 15 years. I will be closing my checking and savings account tomorrow. Whatever you do- DON'T USE REGIONS. If you do use Regions- DON'T USE ONLINE BANKING. Your money is not safe with them. I am twice victimized.


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I reported a check fraud that was done against my account because my card was stolen and they froze my whole account for 30 days without giving me a notice. I couldn't pay bills and provide for my family because my paycheck is direct deposit. The police indicated that it was nothing they could do concerning who made the fraud check. I'm leaving that bank.


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So I deposited a 20,000 check from a bank drafted check not 2 party or personal. The teller tells me there is a hold on 5,000 for 4 days. Cool, I can live with that. She hands me a paper stating that. So I pay several bills 5 days later only to see them all return. NOBODY TOLD ME THERE WOULD BE A HOLD PUT ON 15,000 for 10 FRIGGIN DAYS. I WAS NEVER TOLD THAT by THE IDIOT TELLER. Come on, everyone knows that it only takes 3 to 5 days for a check to clear especially a bank check. So no, Regions Bank is having a field day collecting 100's of dollars from my overdrafts. Using my damn money for themselves. I could have waited but I was not explained properly the protocol. These damn banks get away with this all the time. I will find another bank, screw Regions.


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So my account closed September 2018. The bank was supposed to send me a refund. Well I never received it and I mailed them a notice of my new address. Refund never came. I contacted the bank July 2 2019 and Remy the one who opened my account told me I would have a refund within 5-7 days. That’s been over a month. Remy said the managers aren’t in and she can’t give me anyone higher or any other phone numbers. I have been very patient but enough is enough. She says I will have it tomorrow. Now she’s unsure about that. My kids start school and need supplies. I have been having a horrible experience. The branch phone number is 317-744-5830. I’m hoping someone from corporate will care enough to call me but who knows.


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I received an offer in the mail for a credit card and made the mistake of applying. The person that processed the card linked it to a business in another state. The sob sorry I was told is that my social matched a tax I'd number. Proved the number belonged to me which should have been the end of it but no. Account closed with no explanation and the promised reward points were lost as well. I wasted a lot of time between the branch and customer service (which kept sending me to the branch). They just bounce you around from person to person with no resolution. I will never make the mistake of doing business with Regions again.


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I was approached by the investment division of Regions Bank. It is called Cetera. They offered an investment for 3 years that 'was just like a cd but not a cd'. It was thru a company named Forethought Insurance. Owned by Global Atlantic. Everything was good for about 18 months. Then my area was hit with a flood and my house demolished. So in March of 2019, after my area was declared a national disaster area, I asked Regions to allow me to use my investment funds to rebuild my house. They referred me to Forethought. Why? I invested my money with Regions.


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Glad the Fulton Branch is closing. When I opened an account they couldn't have been more accommodating. Then things and attitude change. The manager was less than professional, rude as was the counter staff, almost to the point of being bullies. They make you wait for service while they stand around gossiping and smirking at people that come in. All the staff and management are very rude. I went back to my old bank. Good riddance! Management and staff should do more customer service training because as it stands they all suck!


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Ten days. Disaster so far. Prepping for child going to college. 1.) Website advertises & Invites Online Application for Student Accounts, but THE BANK does not allow that. Made multiple unsuccessful attempts. Huge waste of time! 2.) Email complaint to Regions about this has never been responded to, and I left a phone number too! 3.) Long waits for polite but borderline-illiterate help on the phone. 4.) Initial deposit REQUIRED to open account BUT NOT PROCESSED over 10 calendar days and counting. 


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My credit score is around 820 (depending on whether you pull it from Experian, TransUnion, or Equifax). I have six figures (cash money, not including IRA, 401K, etc.) in the bank. I have never missed a payment in my entire life for anything (20+ years of having credit). I have several credit cards with a total credit limit of more than $100,000, yet am using approximately $500 of that total credit limit... Yet it took Regions nearly a full week to approve my credit card application. That was just the beginning.


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Not happy. Have a business account and every time I call or need something they tell me I have to go into a location to take care of it. They are in need of a much better customer service department for businesses.


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I have had nothing but wonderful experiences with Regions since I opened my account 10 years ago. Recently my account was hacked and they walked me through the process and had my money returned within a week!


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I deposited my retirement check and it was pending for 6 days. Regions LOCKED my account on the 6th day for fraud. I called and was told I needed to go to the branch, went to the branch and was told I needed to wait out the investigation. I called my retirement company and guess what? My check cleared 7/3!!!! No one will answer why my account is locked, how long this will take, and keep giving me the run around regarding my case. Definitely closing all my accounts!


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The 800 number customer service is beyond terrible. Very sad when you know what race of people they are without even seeing them. Their DISPUTE CENTER is a ZOO full of wild, uneducated, MONKEYS. This is why they could never own a business. It would burn to the ground. I'm glad my local branch has nothing to do with them. They need a complete makeover of employees if they plan to stay in the game. How embarrassing to have such filth working for them. Obviously cheap labor and too incompetent to complain, so they just hire their own. Disgusting beings. Regions needs to make a move or they will lose a lot of customers. No one wants to be a part of such people. TRUTH HURTS? Good. Sucks to be you and race.


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I had a deposit of 640 dollars into my account Friday and so I spent a weekend spending money trying to have a fun time since I haven’t had that in a while. So now on Monday, I wake up to see -601.55 in my account which pissed me off so I called them and they made it seem it was my fault and that I need to fix it but I told them how could have gone through if it was pending so now. I literally ask them how can I fix this and their exact response was “You will just have to find a way to bring back to a positive balance” like what. I am very disappointed like the one time I do something for myself I ended up have to deal with this. Thinking about changing banks.


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I would give 0 stars if I could! Every. Single. Month. that I have to call these people to make a payment on our car loan I have to spend at least 45 minutes (today was an hour) being transferred from person to person! No one knows who I am supposed to talk to!?!? They say I can't go online to make a payment so I either have to mail a check or call. Well, my check has gotten lost in the mail before so I don't do that anymore. I asked to speak to a supervisor this time because it just got so asinine! The supervisor was rude and completely unhelpful and told me she would have to transfer me to another department!


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I called May 15 to close my account when I had $10. They told me they would send me a check. They never did. They took out an $8 monthly fee on May 17th making my account $2. They then took out a monthly fee again on June 17th making my account -$6. I called on June 18th and they said they didnt see anything anywhere where they had tried to close my account, so they did it again. It is June 18, I still received no check from them. She told me to wait a few days and check if I can still access online banking. If not, she told me I would have to go to the bank (45 minutes away) and have them close it. Really???


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I've been banking with Regions for 40 years (including the time before they bought out my bank) and my experience has been a positive one. Checking, CD's, IRA's, and investments. I've also been banking with other banks over a long period, (never keep your money in one bank for FICA) and I've found overall for a bank, Regions has been my best experience. But I find a Credit Union is best for loans and smaller investments, and they have lower fees. Other Banks could learn a lot from Regions. Wells Fargo, BOA, Capitol, Guaranty are among the worst banks I've encountered.


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I spoke with Chris who really helped not only dispute my fraudulent charges but also helped me understand how skimmers work and how people may have gotten my card info. He was knowledgeable and courteous, and he was patient with me when I asked a lot of questions about the skimming process. Great experience!


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Called customer service about a debit card issue. Robot on the line states 15 minute hold avg. One hour and 8 minutes later still no rep on the line. They have gotten increasingly worse since their merger with AmSouth a few years back. I never liked Amsouth and they aren't any better now that they're posing as regions.


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i have been doing business for 2 months with them. For some odd reason my insurance check of $500 was put on hold which that is understandable but they froze my entire account with over 5 grand in it. I was in entire 2 weeks on complete hold and not able to get ahold of anybody that can help me. The fraud department is closed on Saturdays which is my only day off. I work in landscaping. I find it ridiculous that no one was willing to help as of right now. After 19 phone calls I am now calling an office in Chipley Florida which is 5 hours away from me to see if they can help me because no one will help me then in the branch in person but the fraud department was closed. I am disgusted with this and I am going to sue. I have lost more than seven Grand in business due to the incompetence of this people.


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I don't know where the value and loyalty comes into play for their customers. I did not have that experience. I experienced fraudulent activity on my account. A check for a large deposit ($8 hundred and some dollars) was made into my account from what I thought was a legitimate banking institute. Regions froze my account due to "security reasons". When I contacted them to find out why they said, "we have received several of these checks drawn on this particular bank (Costa Ibiza, Ltd.) from Community Choice Financial, that were fraudulent. Until our fraud department does a thorough investigation, all monies are unavailable at this time. We advise you to file a police report, a fraudulent report to BBB and to all credit bureaus." 


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Please avoid this bank at all costs. They will charge you NSF fees even of you deposit cash to cover the transactions. The claim is if it hit the account on pending status before your cash deposit is cleared by them (even if you deposit cash the same day) they will still charge you. Way to steal hard people's working money.


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They charge my account literally for no reason. I asked about why they charged it and the lady at the bank in Chattanooga told me “you can beat the bank.”This bank is out for money only and doesn’t care about their customers. Their customer service is very inconsistent with answers I never get the correct answers then all of a sudden I have 108 dollar charge from them afterwards. Never fails. Worst bank I’ve ever dealt with. We will be switching.


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The branch I deal with in Bay St Louis MS and they have been wonderful. I'm seeing a lot of issues with other customers as well. I had $180 in NSF fees over a three day period. They said the money showing on my end was never processed on their end. The deposits were done before 2 pm on Friday and when you call the number on the back of the card they talk to you like you're stupid. If the money from my deposits was not in the bank when it said they were, by that logic once the deposits are posted then the money should be in my account right? And it's never shown up. Reviews that I have read seem to point to the same conclusion I've came up with. These fees are charged as a way to pocket extra money from people in hopes they don't look at their statements. I have a lawyer and an accountant looking over all of this to get some real answers.


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My mother has had Regions Bank for 10 years. I decided to open up my account with my son who is 11 years old with $25000 if we have 5 accounts together and I decided to open up a credit card with them. They decided the day forgot how to report to TransUnion and Equifax. They cannot figure out how to get the accounts to reports. So on to of the credit reporting agencies. The credit card dropped off and my score dropped over 75 points and it has not been reporting for over a year and a 1/2 showing that I have no credit history. They have also not given me any type of credit limit increase. 


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I deposited a check yesterday for $2,838.83. Received a letter at the time of deposit from the teller stating that 200 dollars would be made available today the 16th and that the balance would be made available on the 17th, This check came from Chase bank. I deposited at your Dania Beach branch on Sheridan street. The letter stating when the funds would be available was signed by Adriana ** and now since the funds have not been made available I call the bank and am being told that there is an indefinite hold on my account and the words, "fraud" keep coming up. I was told the funds would be made available on the 23rd of April and now it's the 24th. 


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Used to love Regions Bank. They somehow switched my credit card account to paperless statements in December 2017. I rarely used my credit card. However, my card was used about 1x a year to keep it active. I was used, by an merchant that had my card on file, I had no idea. Regions did not send me a statement, as they has transferred my account to paperless. For 2 months I was charged late fees. I made a fuss, payments, complaints. The bank could care less. They were willing to give me back the late fee charges, BUT they dinged my GREAT credit score with late fee notices on my credit report. All because THEY cannot communicate. My recommendation is to think twice before dealing with the NEW Regions Bank. I'm shutting down my credit card account.


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My company does not provide direct deposit so I use the mobile app to deposit my paper paycheck each week... like clock-work. Not always, but sometimes I have to use AVAILABLE IMMEDIATELY option and pay a fee to access my money right away. I understand that they can charge anywhere from 1-4% of the check amount. The first 3 times I did it they charged me 1.5%... Then one day they decided to charge 4%. I declined the fee, waited a few hours and tried again and it was back to charging me 1.5%. 


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Do NOT bank with Regions. I was with Regions for 5 years and the majority of those 5 years were great. But over the last few months I’ve been receiving OD fees on my account, which should not be happening because when I opened my account I refused to opt in to OD coverage. The first few I had thrown out because I told them it should never had have happened. The OD was $13 and the fee was $36! Talk about interest right? Then the following month I got another OD fee. $10 OD and $36 fee. This time I went in person and asked what was happening. They told me that if you have automated withdrawals on your account the bank decides if you get OD fees (came to find out later that was a lie, they were supposed to reject payment) but I decided ya know what, I’ll pay it and they’ll fix it.


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We have banked with Regions for over 10 years. On Friday March 22, 2019 my wife deposited a check using the mobile app. This was a check from unpaid wages from Interscapes, owned by Barry Holt. He failed to pay several employees and we had to go through a 7 month investigation to get our back pay. The United States Department of Labor Wage and Hour sent us the check. Regions decided the check was fraudulent and LOCKED ALL OF OUR ACCOUNTS. Not just the account the deposit was made but ALL of the accounts. We pay our bills, support our children's college and everything else from these accounts.


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In person and onsite banking has been great. However, recently regions removed all local bank phone numbers and anytime you need anything at all you must call their 800 number. It is the WORST! I cannot begin to tell you how infuriating it is to spend 20 min waiting to talk to someone, give them every detail of your account and personal history, then be told they can't help you and that you will now have to wait 30 min to speak to someone else. Every....single....time I call this is exactly what happens. Do NOT use this bank.


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Regions Bank charged me an overdraft fee saying that my money that I deposited into my account to cover my mortgage payment was not processed on time which is a lie... I made all necessary deposits at 7:40pm to make certain that I put the money in my account before the 8pm deadline and at that point I had a positive balance.. Well when I woke up the next morning my account was over drawn by $65 which is completely bogus and makes no sense at all.. I could not get a justified answer from anyone at the bank branch or customer service as to what caused this overdraft...I think some of my money was held so that this would happen..Some money was cash and some from my Square account.. Complete bullcrap and they refused to fix the problem saying that the funds didn't process until 11:30pm that night... Do not bank with Regions!


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In good faith, I opened a NEW account with Regions, mainly because of how they treated my Mother. I was asked to co-sign for my Mother's account because she was going on long cruise and was getting her affairs in order just in case. The branch manager was kind, thorough and met all my Mother's needs. All I did was co-sign. I have no access to her account and didn't plan on it. It was at that point I thought I would also open an account. Then I found out they offer a bonus for new accounts. Now it's a no brainer. New account, bonus, close branch location.


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My debit card was declined with the reasoning being the card was "expired". The expiration date on the card was 08/19, this is March. I called Regions Customer Service, they noted the card was not expired but apparently an error was made by the "computer had generated it as expired". With it being the weekend, bank branches closed, I was left with only a "I'm sorry there is nothing we can do". Will be moving checking, savings, and IRA's to a bank that is able to do something about an error that is made on their part and a bank that cares.


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I've been banking with Regions for over 20 years, but I have decided it's time to move on. They do not have any loyalty to their customers who have stuck with them. When issues arise you are only another number or dollar to them. They charge unnecessary NSF fees to their loyal customers to out of greed. I understand that if your account doesn't have the funds to cover a purchase that you will be charged a fee. I understand that! But, you see what they do is, they manipulate your transactions and reorder them so they can charge you fees.


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I received an offer in the mail to open an account, Offered money for meeting all objectives. I am 69 and not very good with technology. Went in, talked with the manager and opened account. 1 year later after meeting all objectives for reward was denied. Why? Because offer was in my daughter's name (I received one in my name but picked up wrong mailing when I went in). However a manager opened the account, never said there was a problem. Now I am denied the rewards due to this. FRAUD as manager knew, had offer in his hand and still made the promises. Filing a fraud complaint for all the good it will do.


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Regions put 1800 of my dollars in another account, and are telling me it will take 5-7 days to correct it and return MY MONEY! In the meantime, my business rent check will bounce. They admitted that it was totally their fault, but claim there is nothing else they can do to correct it sooner! I will be closing my accounts with them ASAP.


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I deposited a check on Monday. My account went into a fraud hold. ALL of my monies aside of this check were being held captive. My paycheck, my social security, they sent my phone bill back, I couldn’t pay my rent. Not ONE person including my own branch was helpful in any way. So here I sit on a Saturday on the side of the road with $12,000.00 in my bank, 4 miles in gas left till I run out and no access to one single dollar WHICH says available and had cashed through my brother's bank DAYS AGO! I’m insulin depends and can’t get my meds. LEGALLY NO BANK CAN HOLD MY SOCIAL SECURITY AND WEEKLY PAYCHECKS CAPTIVE! I am spreading all of this on EVERY PAGE SITE CAN FIND, along with tell my children community, family and friends (and I got A LOT) to never use these thieves!!!


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Deposited local checks into my account only to have a hold put on my entire account, debit cards cancelled, and only "there is nothing we can do ☺" from the local branch, branch I opened my account at and 1800 #. The most useless inconvenient inconsiderate bank ever. Funds were verified. Also check issuers confirmed with Regions fraud prevention and after I kept reaching out for help they EXTENDED the check hold for 3 more days. My business is now out of work for a week. Can't buy materials for construction jobs, or gas, or pay help, or pay my rent, and my son's 10 year old birthday... Regions will screw you up. They have you by the balls and "there is nothing we can do ☺." As soon as this nightmare is over I'm closing the account and will bash them until I see their doors close. Worthless excuse of a bank.


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Regions put a hold on my entire account because of a large deposit I made. They kept the hold on the account even after the funds were verified and had already cleared the account it was coming from. I was told by the branch that I had to come into the bank and remove the money that was in the account before the deposit was made, in order to access the original funds. I have to remove my legitimate funds in order to get access to my own money! What happens if a check I wrote tries to go through my account?? Would I be charged overdraft fees due to no fault of my own? No one could answer that question. And I repeat the funds have been cleared from the account the funds were coming from. The person who wrote me the check even called their bank and confirmed that the check was good. 


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I am with Regions Bank and I monitor my account usage after every transaction and recently I had a fee added to my account for $108. When I contacted them, I was informed that my account was overdrafted for 0.17 (17 cent) and then another transaction for 1.07. I explained to them that I check my account after every use of my debit card and they told me that sometimes it won’t show up and there was nothing they could do about my fees. This bank is stealing people's money and covering it up by accessing fees that the account owner should never have. Someone needs to be informed of what is going on.


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They are trying to get rid of their cheaper non high net worth customers through faulty call to bookkeeping practices, long holidays, deposits made to their ATMs of cash or checks is the slowest call to bookkeeping in America. They don't honor the nation's ECN system which made digital bookkeeping easier for the bank and a necessity for Americans... ie NSF fees from gas station rollovers, also we noticed secret periodic discontinuance of customers requested online stipulations or when online requests for overdraft protection were taken off unbeknownst to the customer. 


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I'm dissatisfied with Regions Bank. I Trusted them with financial funds and every week it's a different story. Do not trust Regions Bank. At first my account was set up properly. As time went by, items that you purchase from stores start to pend longer than post. Their fees are ridiculous high. They will hurry and refund you for 1 overdraft item and take it back out of you at later date and holding items to pend before they post out, so you will have overdraft fees. Regions Bank is not a trusted institution. I have paid for a fine Monday 2/4/2019 morning to the courthouse out of my available balance transferred from my savings and I still have been charged an overdraft fee for my own money. Posted from account Friday night 2/8/2019. Not their money but mine. Poor poor service. I give them a F for ** You!!! Incompetent!


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Got a line of credit on my home with Regions about two years ago. They refused to give me more than 20% loan to value Despite owning my home outright and having over 800 credit Score. Eventually closed the line due to constant unannounced changes in the rules to use the loan and pay it back. I have had more issues with this bank than anyone would believe. Now that I have closed the line, the bank is refusing to sign over an insurance check endorsed to me and the bank. That’s illegal! Despite the fact that a customer service rep who works for her told me to simply bring in the check and they would sign it... The manager at the bank is a robot who refuses to recognize that I have no account or monetary obligation to the bank. And won’t sign it. Stay far, far away.


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My mother lived with me in a state with no Regions Banks but chose to keep her accounts with her East Peoria Regions branch. When she died, the branch manager, Ms. **, was amazingly helpful, compassionate, and knowledgeable. She filled out all the paperwork for me for an annuity with another company, calling them and even giving them her Social Security number when they questioned her. She issued a check immediately for my mother’s CD and made a very good suggestion to clear her checking account with a check to the funeral home. I know my mother always had very positive relationships with the bank staff, and I now understand her loyalty. Ms. ** greatly exceeded my expectations, and I would definitely bank there if so lived nearby. She made a difficult time so much easier for me, and I will always be grateful to her!


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Enticed by their $200 bonus for opening a new personal checking account, I would pay them that just to quickly end this business relationship. Held two check deposits for 11 days, one of which was tendered by my previous bank. Locked me out of online banking until they cleared (still locked out as I write this). And, I'm done. Please keep in mind that at least with corporate, they were snarky and rude throughout. This place is a joke. Bank elsewhere unless you want to spend part of your working day dealing with this kind of nonsense.


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Regions Bank is a total rip-off. I've never been robbed by a bank as worse as this. The overdrives are a total rip-off. Yesterday when I login to my account I have one pending overdraft. Today I deposit $120 into my account. Today I checked my account and they hit me with two overdrafts. When I call to complain they said my other overdrafts. I wasn't able to see it on my end but they can see it on their end. I am leaving this Bank. I advise you never to deal with this Bank.


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Yesterday when I logged into my online Regions account to see about my (1) overdraft and I saw that Regions charged me (2) Overdraft Fees and I called them and they only gave me back $36 and $18 and the guy said they do the rest at midnight til 6 am. When I looked again on my online Regions account I saw they did refund the other $18, then when I logged on today I saw they took it off and I called them and they said I was not available for the second refund of the overdraft fee. They ripped me off $18 half of my other overdraft fee. So I'll be switching to another Bank. This Bank is a ripoff.


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I'm totally frustrated with Regions. I have been banking with them for a long time now. Back in July of 2018 Regions allowed someone to change the address on my account. No one can tell me who did it! So therefore I went to redeem my reward points and I never received my gift cards because the cards went to the incorrect address. So I then asked could they resend the gift cards to the correct address and that say no. I also asked could I get my points back and they say no. That is so not fair. Totally frustrated with them. They didn't even try to accommodate a life long customer.


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Yesterday, on the first business day of the year, I went to a brand new branch that opened very close to my home to open a small business account. The bank also has a branch conveniently located 2 blocks away from the office I rented for my new business. So it looked like an easy decision for starting our fresh new venture, with a wonderfully “green” look. The process of opening the account took more than TWO HOURS (thank goodness they have computers). Today I went to register in the online banking, and the page gave me an error. I tried again, and again, obtaining the same result… Then I decided to phone the customer service number noted there.


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I’m closing my account today and moving on. Within the last month, Regions has created more problems for me with no solutions given on their end. They’ve run out of money (that’s what the teller told me when coming to the bank for a withdrawal). The next closest branch was more than 30 mins away. Regions assessed an overdraft fee in anticipation of an overdraft. After waiting more than 20 mins to speak with someone on the phone, they say they can’t refund me because at midnight I had a transaction come in for the next day that “would’ve over drafted me” and that was their reasoning for taking $36 from me. It’s ridiculous! I’m going to a bank that has quality customer service and doesn’t want to take your hard earned money.


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I had the most horrendous experience December 21, 2018 at the Regions Bank, Belle Forest Circle, Nashville branch. I went in to add my new bride to my checking account. I was waited on by an older man, Mike **, who didn't want to wait on me as he was on hold with his cell phone for his personal business, but thought he might be able to squeeze us in. He then ordered my bride's granddaughter to sit outside the cubicle and that "He would keep an eye on her."


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They took a 131.00 out of my account after being on hold for 20 min. They said it was because I was 30 days past due on a loan payment. The payment is 20.41. It was paid on 11/28. Said it was to cover the loan and when 30 days this happens. Been with them since 1983. Hope I live to see the bank fail.


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About 36 hours ago, the mobile app for Regions account holders stopped working. The company stopped providing any type of updates 24 hours ago. This is happening 10 days before Christmas. Facebook is literally flooded with hundreds and hundreds of angry complaints. People can't order online, use their debit at ATMs, nor use any mobile app feature. No response from the company. Pathetic way to run a company.


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Today I was charged $72.00 in NSF for pending charges, which never overdrafted my account! It doesn't matter if that charge was going to 'fall off' or what... they decided to hit me with fees anyway. Kicker is I had a direct deposit of 128 last night to cover any pending charges that was held till after they charged me the fees. Doesn't make sense to me???


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They add fees, don't want to give you back the overdraft fees they owe you and use your overdraft protection once and never lets you use it again. Poor customer service and all about their money. They don't care about the customer. You will always find your account in the hole.


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I opened a business account with Regions Bank and was told that I would be given $200 as a referral fee. I was not informed that I had to put in $500 the same business day. I found out a few days later and promptly submitted the money (when I could have submitted it the same day if I would have known). I was told by the Vice President/ Guest & Member Relations that it wouldn't be a problem. Months later, I still haven't gotten the money and when I called to check on it- the Vice President told me that she never said that and flat out lied to me! She did in fact say that, I remember it clearly!! I don't appreciate her trying to cover up with excuses and making me feel as if I didn't remember properly when in fact she is just covering up for an error made on her end.


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My acct been on hold for months now. I visited multiple branches and managers and employees both worked on my case. First with Kevin and now with Brooke at the legal dept side. Both branches sent out my judge and court approved orders to release my funds and still will not release my money to me. I call and they say we can only reach out to legal dept and every time I call after that they hide and don’t answer and all of a sudden with a guest every time I call back and now on vacation for a week.


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You will not find a more greedy bank with all of the hidden fees. They are not friendly and they do not care if you cancel your account with them. I opened up a checking account less than a year ago and already I am cancelling my account, because I was charged over $100.00 in overdraft fees when I had money in savings account, that I thought was auto transfer when the checking was low. They did the auto draft but still charge me for overdraft?? What was the point of setting up an account with auto transfer if I'm still going to incur fees. This bank is a joke and hopefully will not last long.


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BEWARE! Regions has withdrawn money from my account ($500), when that amount was Not available! On the 6th of November, Regions removed 500... although there was only 119 in the account. Everything prior to that... 9 line entries/payments, had already been paid. By Regions pulling the 500 from the account, ALL of those line items went into unpaid status! 9 Items... Regions Forced my account into a NEGATIVE STATUS... and now, Are charging OVERDRAFT FEES, for Each unpaid item... 9... one as Small as $2!!!


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As others have said... Same thing here. Transactions go in and out to try and overdraft you; rearrange the transactions high to low, to overdraft you; withhold debits so you will overdraft later. Deposits go in and out to overdraft you; rearrange posted transactions to overdraft you; "force check" debits through to overdraft you with a recurring charge or check... Last time, debit was 17 days old; and recently, put a duplicate transaction through to overdraft me. Disputed it, but still left in the hole until they "investigate." They even told me the computer system on the merchant's end can duplicate it on its own by mistake. That was after I told them I know the owners of the establishment, and can check to see if they put it through twice. But... In no way Regions did it. Uh, sure thing, Regions. Thiefs! Corrupt! Unethical! HORRIBLE BANK. ZERO STARS. DO NOT BANK HERE.


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I have had so many issues with this bank... is one thing after the other. Instead of helping customer satisfaction is the opposite. They force you to have a minimum amount for direct deposit to avoid the monthly fee which is ridiculous, also for customers that looking to save money is not a good deal when it comes to your transactions. Transactions appear when they wanted to happen without any notification to avoid the overdraw fee leaving on negative and they even close your account with a zero balance without any notification again!! Also it is a pending transaction. It will not give you time to deposit the difference like you can do it with CHASE which very convenient. I wish I would read more about it before opening my account, so happy with CHASE FOR 10 years!!??


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Regions Not There for Hurricane Michael Victims. I spoke with a customer service agent at Region's because my husband's place of employment was demolished and my place of employment won't be open any time soon and we have excellent credit and do not want to damage that on top of everything else. I called to see if we could get a reprieve on our mortgage and tack the payments on to the end. I was told no. Before the hurricane our house is worth much more than what is owed on it and compared to others we are lucky we did not have more damage. Regions is giving a forbearance for 90 days and all 3 payments are due at that time. But they might consider a hardship loan after that. This is just a way for Region's to make money off of other's misfortune. 


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I opened 7 businesses accounts and personal accounts. Two months and got a merchant's accounts to process my credit cards payments with for all my accounts. All the suddenness two months later they sent me a note that all my account will be closed on the date so and so. WHAT? WHAT? I been in business for 35 years. I don't have any problem with no one. Perfect credit score. Deposit almost 100k a month to there. This dumbest bank ever and you telling me you will close my accounts. This is very stupid and not called for and they not telling me for what reason. All I hear is the bank backroom said so.


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I went to Regions Bank on hwy 90 in Pace, Fl. 32571 on 9 October 2018 when they first opened. I attempted to cash a personal check that was written on Regions Bank by an individual who had bought my van in the amount of $2,000. The teller was a young guy at the first teller window. He verified that the gentleman had the money in the account to cover the check. Then I was told there would be a $20 fee to cash the check that was written on your bank because I was not a customer with your bank. That upset me so I took it to Pen Air here in Pace and they immediately cashed the check and I was given the money. 


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Horrible, Horrible and Horrible. They just stole $260.00, from my wife. Went to deposit Cash on a Saturday, because the Bank is closed on Saturday. Went to ATM machine put them in their slot, it closed and the screen, "This function is not valid." Told my wife, she came to the Bank Monday morning to report the complaint. Region said they would investigate and it would take 5-10 days. She got letter yesterday and they disallowed her claim. In other words they stole our money. Filing a Police Report for the Stolen money. What a backward bank. I understand main offices are in Alabama, you should stay there and not bother doing business anywhere else.


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This is the third time this year that their ATM has been down. The first two times I was trying to deposit money so that my account wouldn't have a negative balance, but both times the ATM was down. So I ended up with the negative balance anyways. When I called so that I can leave a comment, I didn't get an respond back. So I just wrote my review here.


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We have banked with Regions for years and have been pretty satisfied. Until today we were charged $108.00 in NSF for pending charges, which never over drafted our account! It doesn't matter if that charge was going to 'fall off' or what... they decided to hit us with fees anyway. So for an account that never went in the negative yet got charged like one that did... thus ended our relationship with Regions.


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I have had my small business checking account with Regions for over 10 years. I have a small motorcycle shop. I order parts online, have several automatic payouts set up and of course write some checks. Because I cannot keep a minute to minute balance on my account I keep an eye on my balance checking it several times a day. Yesterday it showed several hundred balance, this morning it showed 144.00 in overdraft fees and 300.00 overdraft. I went to the local branch and talked to someone there. She printed out some info on my account and it looks like they anticipated the account would be overdrawn so they charged my account 144.00 in NFS fees, did cause a 36.00 fee to be charged on 4 charges instead of 1. 


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Regions Bank is careful and precise. Though the bank itself was the victim of natural disasters in Iowa, employees work very hard to make sure customers assets are safely growing. The education and expertise of the staff is impressive.


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I have banked with Regions for 20+ years and have numerous accounts with them. I pull up my account today to discover they have charged me a $36. overdraft fee because I was supposedly .88 cents short on a charge to my debit card. I had close to $2000. in savings and had money in every other account that is linked with mine. Did they bother to pull .88 cents to cover that??? NO. When I called, it took me 30 minutes to get someone on the phone and she told me, basically, too bad. 


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So I am having the same issues with my account. I put money in and if I use my debit/credit card I need to go online and check my account first because there are always something coming out of my account on their end. Fees! Now I have switched to carrying cash and rarely use my card. My problem is I'm stuck there because I have a $7500.00 personal loan that was co-signed for me, used to start a small business. I cannot count how many times money is just plain missing! Gone! Poof! So I start watching my accounts and collecting hard copy proof and putting all of it in a red folder.


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I have had issues with my online banking before, but today is the last straw. Over the weekend I could not get into my online banking. Had to wait until Wednesday my only day off to call them. They did some type of update and because of that I had to delete my browser history. OK fine, while that was annoying, what happened next was the very last time I will do business with them. When I finally got into my account my direct deposit was not in my account after checking with my job to make sure it wasn't on their end, it wasn't. 


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Our debit card was cloned on 07/20/18 and after racking up hundreds of dollars in actual purchases and overdraft fees, the bank denied our claim twice stating that it passed their fraud investigation. What investigation if you don't even review camera footage or signatures, hell you don't even contact the police department...we did file a report as well. We never received any alerts that our card had been compromised. I happened to be getting ready to make an Amazon purchase and realized that one of our accounts was in the negative! Not being able to contact anyone due to their "office hours". I went to the mobile app and blocked all transactions.


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On 5-25-18, I opened a checking account with the promise of a $200 bonus. I later opened a savings account and was promised a $100 bonus if I made regular transfers for six months. On August 10, 2018, I received a form letter from A. Flowers 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 sober living 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 promo they promised me when I signed up - for shame REGIONS!


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Regions is extremely dishonest. They have manipulated my account so that overdraft charge go multiple. They have refused to investigate fraudulent charges to my account. They transfer you and keep you on hold hoping you'll just go away. I've waited as long as 40 minutes only to have the customer service representative hang up seconds after answering. You might as well give your money to a Mexican drug cartel. Yesterday I took Lyft out of town for a final job interview and to sign a new lease. Regions suspected "activity" and froze my credit card. So, when the 2 gentlemen I did business with walked me to my Lyft ride the driver was livid and cursing at me because the charge would not go through. I was humiliated. My landlord and new employer gave me looks! The driver called the police and I sat in the back of a patrol car. I have never even gotten a speeding ticket! One of the most embarrassing of my life experiences.


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This bank will do everything they can do to allow your account to overdraft so that they can collect fees. They even had an agent call me pretending to be protecting the security of my card (I had moved and was using the card in another part of the country) when in reality they were changing the settings on my account to allow it to be overdrafted. I had made it very clear to them that I wanted no overdraft to be possible. I will be closing the account as soon as possible and would not recommend this bank to anyone.


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I set up my account maybe 4-5 years ago when I got my first full time summer job. I only chose this bank because they had one in my home state and also where I went to college. The first couple years it was nice banking with them and there was no hassle because I didn't do anything with them (i.e. bill pay, ATM withdrawals, transfers etc). 


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VERY disappointed in Regions Bank. I closed my checking account due to relocating. And when the account was closed my FREE online banking was closed. I receive my paperless statements online. I need 3 months' previous bank statements. Now since I have closed my account I have been booted offline. I was going to view and print my last 3 statements online as I have done numerous times for FREE. So I called CS, she said I would have to pay $5 per statement??? This is crazy. I was an excellent customer for years with Regions. Since online banking was shut down, they want to charge me $15 for 3 statements.


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I am currently switching from Chase Bank to Regions because Chase does not have any locations in or around Nashville. Regions makes creating a checking account appear simple, claiming everything can be done online quickly and easily. However, about a week after opening my online Regions account, I received a sketchy e-mail (I thought it was a virus) telling me to call to verify "pertinent" information on my account. I called during work and, after bouncing around different customer service lines and going through their laborious automated menu, was finally transferred to a local branch for "verification." The branch is requiring me to bring a paper copy of my lease to its location. I, like most Americans, work Monday through Friday during the hours they're open. I have never seen or experienced a bank requiring a copy of a lease agreement. Is this 2018 or 1985?


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I've had an account with Regions for about 3 or 4 years, and have had an issue over the years with the way the balance is prone to change from one minute to the next unexpectedly. Example: The other day, I checked my account online first thing in the morning and saw I had a certain amount ($9.85 to be exact), then went to a doctor's appointment, then to the grocery store, and when I scanned my card, it said insufficient funds. So I called the bank and was told that some charges went through, and I had a negative 15 cent balance. I explained that couldn't be possible, because I checked my account before I left the house, and I haven't made any transactions in over a week.


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A couple of weeks ago PayPal and eBay got into my account, bank statement shows they made several attempts. I believe that Regions keeps running these through to just get more in OD fees. I went to the bank last week and they did waive 180.00 in OD fees and I locked my account down and I just checked and they have attempted to run another ATT through and I was told at ATT that they had not run that through. I'm on SS and they have me in OD. Help.


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So, I've been with Regions since I was a gullible 17 year-old my. I'm much older now and have grown tired of their incompetence. My work checks have gone missing recently at my new job. Direct Deposit hasn't been working for 3 months. I called my works HR department to have them confirm to me that the payments have been completed, but yet my money is nowhere to be seen in the accounts. I walk into the bank on my lunch break to see what's going on with my money on the first of the month on Friday after not getting anyone to pick up the phone for 20 minutes. THEY HAVE ONE TELLER AND ONE ACCOUNT SPECIALIST (employees that specialize in signing up people for new accounts) AND A LINE TO THE DOOR. I will repeat this again. On a Friday and it's the first of the month, they had two people in there and security guard. You've got be kidding me. Any normal bank would be fully staffed on this day. NOT REGIONS!! 


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My reasoning for the review is I’m finally fed up with this bank. I should’ve left almost 10 years ago but I was convinced by the bank manager to stay which quite frankly was the worse mistake I could’ve done. The hidden fees left and right the ridiculous overdraft fees they cover ten dollars but because it was 3 individual charges I would lose over 100 bucks overdraft fees. After trying to deposit money and the atm ate it I’m done with this horrible branch. My friends left them. It’s about time I learned to do the same and walk away.


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I went to get into my lock box at Regions. They said I didnt have one in my name in the computer. I flipped out as I have the key. I threatened to get an attorney. They called me. Said they found it. My husband passed Nov 3 2017. He had a lock box. He told me there was 30,000 in it. It went to me in the will. I opened it. Guess what? It was empty.


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I hate Hate HATE this bank. For years I had banked with my local credit union, but when I went off to college I decided to get a more universal bank account. I definitely chose the wrong bank to give my business to. I have had several problems in the past with their processing causing problems with my account and costing me a lot of extra money that I needed. However, this time is the LAST STRAW. 


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I have heard "I am sorry, there is nothing I can do" at least 10 times today. When I ask to speak to someone who can help me, it's "everyone is in a meeting." I will be looking for another bank that will at least try to fix their mistake!!


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I have been banking with Regions for over 15 years and they are a good service bank. My experience when I was hacked was not pleasant as they canceled my card on a vacation trip w/o my knowledge and left me with no money access. Luckily, I had enough to get home and they apologized but recommended I have a backup card and I do with another financial institution. I have no complaints and am not considering moving to another bank in the future.


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What Regions Bank is doing is in violation of the Unfair and Deceptive Act. They placed a hold (Funds Availability Act violation) on my cash deposit over 10 days when I opened an account. Cash is supposed to be immediately available. I called and they had no reason or reasonable excused to hold it. I made a mobile deposit on May 15, 2018 from the same bank they knew I worked at and the same bank they received the cash advance from using my debit card and placed a hold on my funds with no knowledge still today (8 days and counting and costing me interest on my LOC). 


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Regions insisted on marking our account "dormant" although quarterly electronic payments were being made to it. Customer service was unable to give explanation and promised a call-back from an appropriate VP but VP never called.


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Unfortunately I can’t leave a review on your page, so I’ll have to like this. If I could give you guys a star rating it would be zero stars. My purse was stolen in February and I went up to Regions and asked them to close my account, they didn’t. So then someone was able to completely empty my account with Just an out of state ID. No account number, social, or even signature. Regions then assured me my savings account and the other accounts linked to mine were 100% safe Which was not true. My savings was then completely emptied. 


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Convenient location, good customer service and lots of services available. Tellers are very friendly, call you by name and show a definite concern to fulfill my needs.


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I've been with Regions for about 5 years now, and this is the ABSOLUTE last straw. From the way they seem to "hide" pending transactions to make you overspend and then suddenly they ALL post and run you into the negative to this last situation. I cannot BELIEVE how easy it is for them to cover the tracks of THIEVES. My account was hacked and there were two unauthorized charges made on my account. I check my account every day and I caught these two transactions the day they were made, literally HOURS BEFORE.


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I've never left a review for anything in my life but I feel not leaving a review about how terrible Regions is would be a public disservice. I have had Regions for almost 4 years and, while there were isolated instances, the service had been okay. In 2018, I have had to file five complaints. Regions deposited a $3500 refund from my college into the wrong account, couldn't find where they put it for the 3-4 business days, and took no responsibility in any of it.


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To start, I want to be clear that I usually don't complain about customer service. I've worked in the food industry in the past and have seen the worst of the worst, and I have a great deal of inherent respect for everyone I come across and treat them accordingly. I'm friendly and courteous with the establishments that provide me a service, but after so many times of being given the runaround I feel others should know. I've been banking with Regions since I opened my own checking account as a freshman in college. I've always stuck with it just because it's a hassle to move everything to a new account, but at this point, I'm willing to go through the hassle because that will be less of one than dealing with Regions customer service one more time. The account features are good- mobile banking is functional but not the best, but you can deposit checks from your phone or a SmartDeposit ATM. 


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I have a checking and savings account with Regions but this is about my Savings account. Now when I got my savings I was told that my savings would not be charged any fees which that's cool but my checking would be charged 5 dollars per month because the type of account it was. That's ok. That's what I agreed to. So will someone tell me why my savings was hit for $45.00 for an excessive withdraw/ item fee. What is that. My savings is for back up just in case of an emergency or something important pops up. Well my utility bill was due and thanks to Regions I don't know how to get my lights to stay on. I feel like I was stoled from and the only reason my accounts are open is because I have one more deposit coming into it this week. After that I am shutting my checking and savings account down. I even tried to call customer service but the wait time is ridiculous. I am done with Regions. I cannot bank with a bank that I cannot trust.


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We came to make a deposit and had to use the restroom and they said they do not have one. What kind of business does not have a restroom for the public. So you can take money but can not supply appropriate service. Don’t do business with them unless you want to perpetuate inhumanity. Shame on Regions Bank. Below par in everything including conduct.


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Regions Bank has the worst customer service ever! Every time I have a problem it's at least a 20 minute wait. I travel overseas and recently I tried to use an atm machine. It would not issue the money even though I had money in my account. I tried four times and then found another machine hours later. Of course Regions charged me $5.00 every time I tried. $20.00 for nothing. I had my sister call and after waiting 20 minutes they said they would not return the money because she had no authority. No authority to tell them to put the money back in my account??? Then I got online and wrote them 3 emails and they refused to refund my money. I spent $20 and they would not credit me back even though the atm transaction was not completed. That's fraud!!! Taking money yet not doing the service.


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I had 4 accounts with Regions Bank, for several years without my knowledge or authorization Regions withdrew funds from my accounts without any notification, when I learned about the fraud and crime it took me years to collect my money from Regions, now Regions closed 3 of my accounts without notification even though 2 were business accounts without any notification, it caused me to lose thousands of dollars in business transactions along with months of term oil, even today I have not been able to completely recover as well as Regions continued to accept electronic funds into my closed accounts and did not return my money, the LOC acct regions continued to withdraw funds from the account without notification or authorization. Regions stopped providing me with balance due and monthly amounts due.


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I had my online account locked on the 29th of January, I went into my branch and sat for 2 hours while they made inquiries, sent me home, said they would contact me by the end of the day. 2 days later I went back in for them not offering any help. I left the country on the next Saturday so told them I needed it sorted by then, guaranteed me it would be. Then the day after I leave the country they email and tell me my account will be closed. It is now March 19th and I've called several branches, emailed several people and no one will tell me where my $4000+ money is or if my account will actually be closed or anything. I'm now in debt due to no money. And no branch will help me in any way.


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I recently applied for a small loan less than 20,000. I have a credit score of 828 and work as a health care professional for over 38 years. Yet Regions Bank denied my loan. I will be pulling my money out of Regions.


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I had just moved to Dallas, TX from Layton, Utah for a job with the State of Texas. My family and I spent our savings to get here and get a house rented. So when I started my job I was just about broke. I wanted to use a bank smaller bank because I thought it would be more personable. I was so wrong. I deposited about 3 weeks of work in my account to catch up on some bills. Working for the state we are only paid once a month on the first of the month. I ran out of money waiting for March 1 and to get me back and forth to work I overdrew my acct. from getting gas. I think $57. Barely two weeks later the day before my direct deposit went in the bank closed my acct. Did not tell me they were closing my account. Did not ask me if could put money in. Nothing. Just closed it. This was my first check for approx. $3000 and waking up March 1 it was not there. I was frantic. 


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I had my business checking account 8 years. It had only had minimum activity for the last 3 months because I planned on closing it. Well they just closed it without contacting me although there was still funds in it available. They did not send a notification by mail or email. The only way I found out was to try to log on to print my statements for my taxes and I was unable to. After calling the worthless green line for the 3rd time, they informed me they closed it. I was informed in order to obtain a copy of my statements I would have to pay $5.00 each for a copy of each statement that I want. So, I saved THEM money on postage when I chose e-mail statements when I originally opened my account but have to pay to get copies of MY statements. 


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I have banked with Regions for many years since I first graduated High School, I can honestly assure you that it is the worst bank in the whole world to bank with. Regions has the worst customer service out of all the banks. Their staff is not trained properly and do not know how to do anything. They take longer than any other bank to finally get on the line. I’ve had banked with many banks before but none has ever given me the service that Regions has. I believe they should be banned from the industry. They never believe their customer when doing a dispute. They never do a courtesy of overdraft. They are the worst ever. I will never never bank with Regions again in my life and would never never recommended to anyone. They say that you can only do overdraft fees once a year but I had an uncle that worked there who stated to me that is not true and they can do as many as they want as long as it's up to the supervisor.


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I’ve been banking with Regions for almost 7 years. I opened the account when I was a student in college. For the past 4 years, I’ve had nothing but issues with my account. Numerous overdraft issues that I had resolved many times and issues with monies being returned to my account. I opted out of overdraft about a year ago because if automated payments are going. To be charged, and money isn’t available, nothing can be taken out by overdraft protection. Well apparently they have this thing called NSF, where it’s a contract with other businesses that allows an overdraft by default. I just can’t accept that. Also. I’ll have money Avalon my account one moment and the next thing I know, it’s just gone. They’ll say that money has been returned and try to point to me in my summary etc where it’s returned. I tell them, "I see that but WHERE IS IT IN MY ACCOUNT??"


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Regions is not the bank for anyone. Online banking is a joke, it doesn't show accurate information. Your account will show one balance while in all actuality there are other fees that will not post until the next business day. The overdraft protection is hilarious, no representative can tell you what the amount is as it fluctuates from day to day. If you are in the market for a bank DO NOT, I REPEAT. DO NOT CHOOSE REGIONS, THIS IS NOT THE ONE! If you are not responsible and don't spend wisely feel free to utilize their services.


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A transaction was paid one day. I got the confirmation number from the company I paid. Once you receive a confirmation number it means that the payment went through. It was returned the next day, and I was also charged for a $36.00 return fee. I don’t understand how this could have happened. I have been with Regions for over 10 years, and this is the first time this has ever happened. From this horrible experience I no longer want to use Regions anymore.


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Inconsistent information given, multiple calls to the call center with no call resolution. I was told too through an agent that my item was cover based on deposit and that was not true. This cause a huge inconvenience. Escalation supervisor disconnected call on me while I was asking for more information. I will remove all my funds immediately.


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I see a lot of people on here experiencing the same issues but here goes. In December my online banking showed a balance that apparently was incorrect and I overdrafted on my account... fine and dandy until all these other "pending" transactions that had debited from my account the day I swiped my card well before I overdrafted started incurring overdraft fees. I was charged for 9 different overdraft items even though they had already come out of my account before it was in a negative balance. I went to the local branch and complained and they could not explain $180 of overdraft fees and said they would credit the charges. So I think I'm done and at least got some of the charges reversed... WRONG. The very next day $80 of the $180 they refunded was taken with a different fee. There were no items pending, no transactions made.


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This bank continually stole our money (theft of payroll) through illegal fees and fee stacking. They lied and stated there was nothing they could do to remedy the theft. We want all of our stolen money refunded. It is better to use any other bank.


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Between the months of March 2017 and the months of September 2017 my deposit weren't sent to my account. My employer I contacted in payroll confirmed that the money was sent to both directions deposit account. My secondary account received the portion but not primary. My employer I contacted said that Regions should have returned the funds. It's going on a year so I'm getting legal advice to solve this problem.


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Regions Bank will fee you for random things, they also have items pending in your bank for a good week or more so you think you have a certain amount of money but you don't. Then they'll fee you $36 for overdrafting and even if you didn't buy anything since then, because another item got out of pending, they'll fee you again. They will randomly switch your accounts into other things, they switched my free savings into a no interest account and charged me $4 every month without my knowledge or permission. Don't use Regions unless you want to go in debt.


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Recently I got this work at home job which was DXC Technology and the manager told me through Google Hangouts that she would send me a check of 1500 to pay for my materials and so I received it and sent it through my bank. Ok somehow there was a hold out on my account and I've called and talk to the representative. The only thing was told to me was that the check was returned but they didn't tell me until I came in today that it was fraud which I didn't know. So the representative was unprofessional, rude. She said, "How you didn't know you open yourself to fraud and you will have to pay that amount back because we are not responsible."


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I am 53 years old, and I have been a Regions customer since I was 18, here in Huntsville, Alabama. I am so sick of the customer service I have received over the past 2 years that I am to the point of moving my account. I am simply FED UP!! My "latest" run-in with Regions was at their Drake Avenue, Huntsville, AL location. I went in to make a wire transfer. As there are no signs to direct a customer to the teller line or to loan officer waiting area, I went straight to the teller line, thinking that's where I should be. I waited 15 minutes... 1 person in front of me, 4 people behind me... ONLY 2 TELLERS working the front counter (equipped for 4 tellers) and one of the 2 tellers working the drive-thru line (equipped separately for 2 more tellers). The drive-thru line never stopped therefore, there was, literally, only 1 teller working the counter.


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I have been with Regions Bank for two years and recently, it been really frustrating keep with my account. Any deposit especially electronic deposit after 7pm takes over 36 hours become available my account which mean I am unable to use my own fund for the whole day. It have been charged with overdraft fees which my account does not reflect an negative in my account. During holidays and weekend online account is not regularly updated which mean it often incorrect. I have to keep with my own accounting to make sure that funds reflect my calculating to avoid any possible overdraft fees. This bank sucks and I will be switching over to new bank first thing in the morning.


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I've been with Regions for over 2 years now but might not be anymore. I tried to make online payment for bills, but my card was declined several times and they said everything was fine. But online services said it was due to issuer of the card (Regions Bank). These people have no clue what they are doing. I am sick of it, when I tell them what's going on, all they do is offered more useless tools that serve no purpose to fix the problem. If I ever get to a bank. I will more than likely close my account. I can't take it anymore. If anyone else is dealing with regions. I hope you do the same thing. Thanks. NO STARS if it was up to me.


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Made a $199.95 purchase on 12/22/17 via Regions check debit card, had a immediate problem with the item and the merchant reverse the debit transaction. After midnight the $199.95 pending transaction was removed and added back to my available balance. By the end of day it was removed from my balance and place back as a pending transaction. This bank must be investigated for cheating consumers and held accountable. We will see what the branch manager will say after Xmas when I present the reverse transaction receipt. This is the second time this has happen to me where I had to fight to get $72 back after the double up on a deduction from my account.


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On September 28, 2017 I totaled my pickup truck and filed a claim with Progressive Insurance. They settled it very quickly and sent me a paper check, which I endorsed and deposited on a Friday. I didn't notice that it was made out to both my husband and I (I am the policyholder and it was my truck, so I didn't think about it being made to both of us). The bank showed the funds as available so I paid a couple of bills. I went to pay for my groceries Sunday morning and my card was declined and showed I only had $28 in my account (the settlement check was just under $8k). I contacted the branch Monday morning and the branch manager checked and made some phone calls. 


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On September 6, 2017 I made a error in my checking account and overdraw my account. I called the bank immediately. I spoke with them and explained I had made a big mistake and what could I do to ensure this never happened again. The bank told me to opt out of overdraft protection so I requested to and it was on a recorded line. Regions recorded line at that. Well they never performed any changes to my account as they said they would and it would take 24 hours today to go into effect. Since then I have paid $762.00 in overdraft fees and due to their inaccurate mobile banking the statements are always inaccurate. I asked to be opted out so if funds were not there funds would not be approved for purchases. Yet they tell me they played back the recorded call and clearly they granted me opting out and never made changes to my account. Due to their error refuse to reimburse me.


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I deposited money into my account. My son attempted to withdraw money from the account. The ATM didn't disburse the money. It been 2 weeks and I am still trying to get someone, file the dispute and confirmed if they've even started the appeal process. After being on hold for 30 minutes with the bank the call is automatically disconnected. Each time I call I get a different response.


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We've been banking with Regions since 2012. I live in TX and was able to write a check for gas at HEB. I was .53 cents short and Regions returned the check and charged me $36. I get direct deposit. Ok so HEB put the check through again and it cleared. So. Three days later there's a $30 check and a $36 check charge. I called Regions and they said, "HEB wrote their own check on your account for their overdraft fees"... say what?!! Regions allowed HEB to write a check on my account! So that means anyone can write a check on my account and Regions said "yes". I also got a payday loan from the Cash Store. I gave a check as collateral. They tried to take out the full amount, not the $90.63.


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I had an account with them for 4 years. We are active duty military and moved to an area far away from a Regions branch. I switched to Navy Fed and kept my Regions account open because I have one client who has Regions also and preferred to be able to pay me by transferring into that account. I started noticing fees were occurring once a month in the amount of $8. Apparently this fee is because I wasn't swiping my card enough (10 times per month). I decided to close the account. I called, I was told by a Regions representative I could either empty the account "at a gas station or something" or I could be mailed a check. I agreed to have a check mailed. Fast forward three weeks and that client told me they transferred money into this account that is supposed to be closed. I call and am told they just shut my card down.


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I had an incoming wire into my account 165k. The following day the wire came in. I needed to send my partner 50k for home to secure some shipping service for us. Only to get to Regions Bank and they told me I can only wire 40k which I oblige thinking it's their protocol. The next day my partner told me there was a hold on the wire transfer I sent. I called and called them to have the money release to him. The next thing they did shocked me. They locked me out of my account and suspended my debit card saying they are validating the wire. It's been four business days now and they haven't come up with anything useful and this is costing me and my partner a whole lot of money as we have deadline to meet. Anyone with similar experience should kindly tell me how long their so called validation takes because they seems to be less informed and incompetent at their bank.


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I have to call ten banks at least 5 times a month or more. I spend about 15 minutes or longer trying to get thru. I that's unacceptable. I'm going to find a new bank if they don't fix this problem soon.


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I have a check card from Regions. Had several scams and disputes. The Regions representative said because it's a check card and not a bank credit card, "it's your money, not theirs". Regions always treats you as poorly because they are not making big money on you. When I had a large deposit in savings, they kissed my butt. Now throwing me under the bus. Don't waste your time or money at Regions.


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I do not have and have never had a loan with Regions Bank... I do not appreciate opening a letter from Regions stating. "IMPORTANT INFORMATION REGARDING PAYOFF OF YOUR REGIONS LOAN." Especially when Regions has no open communication for me to report this "error" or whatever on Saturday...


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I received an offer in the mail for a $300 bonus if I opened an account and kept it open for 120 days and used a debit card 10 times per month. All over the mailed advertisement it stated, without stipulation, that I could open an account ONLINE or OVER THE PHONE and gave info for each. The online site told me that the promo code wasn't valid (which it was as printed on the mailer and not expired) so I phoned to open the account. I first gave my social security # to the person that answered along with my address, etc. She then confirmed which account I wanted, explained how I could electronically transfer funds into the account to avoid traveling into the bank. Then she transferred me to someone else. 


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I have been trying to get a charge reversed for over 3 weeks. I got charged $71.00 from my savings account because the account had been in the negative for 20 days. I got double charged from a merchant. I filed a claim and sent in all documents that was needed to show the merchant charged me twice. I have been going back and forth with Regions Bank but they have yet to correct my error on my account. 


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Received a $400 bonus offer in the mail from Regions Bank to open a new account, enroll in online banking, and make 10 or more purchases with the Regions Visa Check Card. I completed all of the required items in the required time, was told in multiple calls that I met the requirements and that the $400 would be received, but never received it. When I called back again, I was told I never properly signed up for the offer and will not be receiving the $400 bonus. I have an email from Regions confirming that I signed up for the offer. Fraud. Lies. Unprofessional. Long wait times.


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Since 2005 as a member of your bank I have put millions through my business account. I have also had two or three situations where the atm card was lost or stolen. Each of those times, I have experienced nightmares. Today, it is the worst nightmare I have ever had. I lost my card last week and called the stolen number. Two hours later, Your lady, Laqueecha stated that she canceled it and ordered me another for $25 and it would be expedited to me by last Friday. Like clockwork, nothing. I just called today, spending another 1 1/2 hours on the phone trying to get a live person, and finally did. She stated nothing had been ordered and I must go to my branch to get a card as they cannot do it over the phone. So, I have bills being charged on the card starting tomorrow, as well as a business trip that I will not be able to take for my job. 


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I walked into the Regions Bank on 167 Street and N.E. 6 Ave North Miami Beach branch. My boss gave me a Regions check. I dont have an account but had two forms of id. I had my social and United States of America work permit... I was denied cause of the type of documentation I held. I asked why and the teller who was training said, he cant accept it. I've used these to cash checks in previous banks. But then he went on and told me if I had foreign documentation it's acceptable. To my knowledge USA documentation such as work permit and social is not sufficient which is federal documentation is not accepted but foreign ID is. Never understood it. Federal documentation supersedes any state ID. 


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I have a business account and needed some explanation of charges on the business account. The tellers couldn't answer my questions, so they went to Nathan **, the Branch Team Leader, and asked him to assist me. I was standing right there and heard him say "I don't have time for this now, she can sit and wait on me but it will be awhile." So, I sat. And waited. And listened to him carrying on a conversation with two other ladies in an office to the side of the lobby about directions on how to get from Merchants to Cedar Lane and how you have to cross the railroad tracks before you are actually on Cedar Lane, then about a restaurant experience he had. 


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They have the worst customer service imaginable. Each year they lock my mother's online banking account and it is an uphill battle to access it again because we're Canadian citizens with property in the US. In addition, they have sent my aunt's confidential financial documents to me multiple times in error. I have had to ask that they please stop as this is a clear violation of her rights. Somehow, my other aunt is also able to access our accounts. In my opinion, it's ludicrous that a financial institution could make such mistakes and remain open. If you have options, I highly recommend you go elsewhere. I would say they are as professional and secure as Equifax given the recent climate.


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I sent a check to Dr. Fkora ** which was to go electronically. You wrote a different check for this, charged my account with the $28.90 but Dr. ** has not received the payment. I have since paid her so now you owe me double that amount of the initial check.


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My wife is on my account and her mom’s account in case she has to take care of paying bills due to our health issues. Due to the link (my wife) they took money out of my account to cover the shortage in her mom’s account because of her check getting in late. The second time this happened we went to our branch and filled out the paperwork to take my wife off my account. Due to their incompetence or deliberately not turning the paperwork in, it happened a third time. This bank will take you for everything they can, even underhanded things like this. BB&T and PNC are far better options. Stay away from this bank.


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I recently purchased a car and the finance manager at the dealership recommended Regions for the financing. When I received my first communication from Regions with the payment information, imagine my surprise that the only way I can make payments online is if I also have a Regions bank account. I can mail a paper check in, I can call their customer service and give my bank account information for an auto-withdrawal, but I CANNOT make an online payment. I was so shocked that I called their customer service department to make sure I was reading this correctly. I was! She started telling me how I could easily just open a Regions bank account and just put enough in there to cover my payment each month, then I would be able to log on and make the payment electronically. I am just flabbergasted, to say the least. This is my first interaction with Regions and it will be my last. What company in today's world has such archaic methods of making a payment???


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We've had an account with Regions Bank for many years, and have never had an issue until recently. They have a new scam going where they take out money for an item, and then, place it back into pending. Thus, for the moment, charging you twice! They will then charge an overdraft fee for items that they have taken the money out for. We have averaged over $400 a month in overdraft fees due to the fact that Regions has mastered the art of manipulating bank accounts. We deposit an average of $4,000 a week and should NEVER have an issue with overdraft... Out of our other 5 banks accounts with various banks, we never have an issue except for the Regions account! They are master scammers and work hard at perfecting the art! STAY AWAY FROM THIS BANK!


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This company is a rip-off. If you have your money in this bank, withdraw all of it and go anywhere else. They are rude and nasty people. I am leaving and I highly suggest you do the same. If you are considering opening an account, let me warn you that will regret the hell out of it. ** Regions Bank!!!


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Two banks were in this area and they closed one. They close Monday - Thursday at 4pm. Not customer service oriented. Friday they stay open until 5pm. The ATM CONSISTENTLY is out of order and you have to drive 8 miles to the nearest one. When this ATM does work it only distributes money in $50 increments. VERY AGGRAVATING. Many establishments don't like to take such large bills. You have to go back to the bank before 4pm and either go in or thru the drive thru to change the $50's for smaller bills. VERY IRRITATING! But they do have very good online banking.


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Avoid Regions Bank at all cost if possible. There is a great deal of competition available in South Florida to select from. The branches are OK in terms of customer service however the back office where all decisions are made is more than lacking in professionalism and customer service. I can assure you the advertising is false and their follow up is just as pathetic. Don't expect any form of useful communication or follow through. The entire organization is a sad commentary in the banking community.


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My husband and I have used Regions Bank for the past 2 years. In Dec our account was hit by a China company for over 2300. Amazingly they issued the reimbursement for the 2300 but during that time we had several checks out and acquired overdraft fees of over $900. It is now Aug and we are still fighting with them. Each month has become a struggle trying to get our account back in good standings and keeping it there. Since Dec 2016 there has been an average of $600s worth of overdraft fees. They have charged an OD Fee along with return fees and each time it is on the day that our check deposits when everything hits at once. The fees are on our direct withdrawals set up for bills.


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I am the seller on a real estate contract. Unfortunately, my tenant/buyer opted to use Regions for her first-time loan. They may have been ok for her, but it's been a nightmare for me. The contract stated the loan commitment date in paragraph 20 of the FAR-BAR contract. First line said that all things within this section superseded the remaining sections of the contract. They would not provide the loan commitment and still haven't! They have been so unprofessional and rude. They said they don't answer any questions to me because I'm not the buyer. However, in more than one place in the contract, it states that they are to keep me informed of the entire lending process. The buyer gives me that authority. 


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Someone needs to look into Regions Bank's newest scam of charging overdrafts for "pending" charges, when the bank is allowing those "pending" charges to pend for days. When reviewing online banking, you will notice charges that have been processed on one day - then the next are "pending." Money will have been taken out of the account for the processed charge, but then as it is item is placed back as "pending," Regions will charge an overdraft fee for another item that comes through - when there is money in the account to cover the item is the "pending" item that was already processed the day before was not still "pending."


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They allowed a company to take out money out my account and would not return it even though I did not authorize the company to take the money out. They had me to complete an affidavit and then denied my claim. I went back to the bank as they ask me to and brought the proof and they then pretend that they were unable to read it. So I dropped it. They then came back the next week and charge me another $85 worth of overdrafts that just never could add up. They use to be a good bank but they're just like the others now. Use the poor to stay rich.


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DO NOT BANK WITH THESE PEOPLE!!! They allowed a credit card to be opened in my name. Allowed my ex to add herself as an authorized user. Charge the card up & do balance transfers. Then they allowed her to delete herself as an authorized user without ever contacting me once. Leaving me solely responsible for a credit card bill that someone else ran up. Then they would not give me a copy of the charges so I could personally go after the person that ACTUALLY ran the card up. I will continue to post this everywhere possible until I get my money back or they give me a copy of the charges!!!


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We've never experienced such a lack of professionalism, courtesy, or ethics as we have in the past few months at the hands of Regions bank! After a banking relationship of over 20 years, an incompetent employee of an unrelated business from our personal accounts, created a nightmare situation, that has been completely resolved, however, Regions has basically said that they will supply us what we need to find another bank! Since that time we've been told by several other banks and accountants, that this is Regions' way of weeding out 'old money' to bring in new money. We've also been asked by so many businesses in our area as to why we're still with Regions, and now we know why! While you may be new money now, at some point you will be old money, and you will be kicked to the curb, no matter how much money you have! (in our case over $3,000,000 in combined businesses and associated accounts).


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Cash some stock in and they wire me my money to my Regions Account. Per online banking, the funds were available on Wednesday. I went by a branch to withdraw some of the funds, I was told I could not have the funds, that someone would reach out to me. Well, the next day came, I had not heard from anyone, so I went to the branch where I had opened my account. The branch manager pulled my account up, said it was because there had not been any recent activities in the account before the wire came in. She emailed the department to release my funds. I went back to work. Later I received a call from her saying the funds were frozen until the wire transfer was validated. How long will that take? She didn't know. Friday - no update, Monday - no release date, Tuesday - still validating. Needless to say, I was getting frustrated. I had never had a wire transfer take this lone to be validated, even ones coming from China! 


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Lost our cheques and blame on us and refuses to check on the cameras because would prove they dropped the ball. More than 10 years account treat us like **. Our account was open in Winter Garden Florida. We are closing the accounts. We were able to get other cheques from the people that wrote us the cheques. They are so wrong that their excuse is that they refund us but the amount they are talking about is another deposit we make which we have the receipts.


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I deposit my check of 500 in Regions Bank account to transfer from my other account they put hold for more than 2 weeks as they already took money from my other account. The people work in branch are 0 in knowledge or they're sitting there to lie people. For that mistake to deposit I have to pay fine 200 to landlord cause I was late to pay rent. No banker cannot do anything for customer. They just **. Branch people rudely refuse to help you. At the end customer has to bear. They don't care about anything. I am going against them in small court.


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Last June I was caught in a work at home scam and the company that scammed me took $100 saying they needed it in order to send my information to get started with their business. I was suppose to get the info as soon as I paid but after waiting three days I never received the info. I called customer service and demanded for a refund after learning that the company was a complete scam. I argued with them for three hours and they would only give me back $50. I said "Ok whatever" and hung up. Then, I filed a dispute with Regions to get the other $50 back. They said it would probably take a month to get the money back, but it was in my account 5 days later. They told me they were siding with me and gave my other $50 back.


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Regions will screw you over any way they can. I would give them negative stars if I could. I just got charged 2 overdraft fees again for checks they cleared at five minutes until midnight. My direct deposit isn't showing up yet but all of my colleagues' deposits hit their banks over two hours ago! This is not the first time they have done this to me. They say deposits get posted before debits but that's not true, not for them. They just want to make money and I get that, but this is just shady. Terrible business practices! I wouldn't recommend them to ANYONE and I will be closing my account as soon as possible.


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I withdrew $2000 from my savings which a teller counted and put in a white envelope. Shame on me for not counting the money right then b/c the next day which was when I counted it for my needs I noticed there was only $1900 in the envelope. Had to wait till Monday to call Regions to complain since it was the weekend. When I contacted them they said it was too late since I waited (Had no choice it was the weekend) and the teller's drawer was balanced. The teller stole the $100 I was short. I'm closing my account since they have thieves working for them.


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Regions Bank charged overdraft charges to the tune of $360. During a weekend, 3 day span, I spent money on essentials, knowing that I had a balance to cover it. So when Monday comes, I'm charged with 10 overdrafts. It appeared that a monthly auto-payment hit my account 2 days early on a Monday night. Even though that was the last transaction of the 3 days, they paid the electronic check first, therefore nullifying the available balance for all my previous purchases. They offered no help, except to advise me to cancel overdraft protection. I should have known I was dealing with a shady group when they screwed up my first batch of checks and charged me to re-print them.


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Absolute horrible customer service representation done by any so-called "professional". Call waiting at ridiculous lengths. Representatives are rude and uncooperative. They have absolutely the most idiotic of procedures. Avoid using this bank because if you need customer support then you are out of luck.


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My Checking Account at Regions Bank had 73 unauthorized transactions made to my Checking Account totaling nearly $34,000 dollars. I have been denied by the Fraud Department 3 times. I attempted to get some type of monetary relief due to major financial hardship this has put on my family through various consumer agencies and have gotten nowhere. My family was separated due to the fraudulent activity that occurred on my account due to the stress and agony and loss of our house and lots of other things we worked very hard for. The same situation happen to me and my wife in 2010 with Capital One bank which caused us to lose nearly $80,000 dollars due to fraudulent activity charged to our Checking Account. I wasn't contacted not one time or received no text message from Regions Bank when the unauthorized activity was occurring. Can someone please help me get my money back.


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Wish there was a rating of 0, worst bank I have ever had. They have messed my account up over and over again, but this last time really did me in. They took all my money I had in account and put me at negative $112. When I signed up I was told there was no way to overdraft period with the account I went with, I rely mostly on online banking. They took a payment out 3 weeks ago to later find out they put it back for some reason then took it again today so now I sit with a negative balance and no money. Needless to say they have screwed me sooooo bad, I will be sleeping in my car starting tomorrow night! 


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I have been a customer for over 10 years. I also worked for Regions for 5 years. Both my Line of Credit and Credit Card are at a zero balance. I strived hard to pay those off before my baby was born. When I log into my accounts, both show zero balance and nothing due. Normal I think, as I haven't used them. However, once you click on my LOC account, it says I have a minimum balance due on a $0.00 balance account? Turns out I was charged not only an annual fee but a late fee! I never received a notice for either of these. No email, no snail mail. 


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Regions online banking transactions data are not being displayed to consumer accurately. I made the mistake of relying on this data to transfer money from one account to another on the day a check posted to the account. The problem is that for most transactions the items show as pending until after midnight when the bank syncs its servers. The day my check appeared as pending, I transferred the funds which also showed as pending for the same day. At midnight when the servers synced, my transfer shows as complete, the check shows as returned NSF, (they collected a $36 fee), and now show the check as posting the day before it was even shown as pending. On that day, no data was displayed at all. 


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Went to Regions Bank on Monday. Told them my wife passed away on Tuesday. Was going to use bank card, was told my checking account was closed by a sales manager in Jackson Tennessee. Would not see me, or take calls. We had been there over 10 years. Got mail, any funds would be mailed out in 10 days. Talked to other folks. Done same way. Moved all money to bank across the street, and will not be back. Pretty sorry, and low down person to treat people like that.


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I have been banking with Regions Bank for 14 years, during that time money has been taken out of my account. In 2015 a phone or online banker told me a 1000 dollars was taken from my account because I moved money from my checking to my savings (wow!!). 2016 lost debit card. Reported it. Canceled it, asked regions to not let any monies be taken out of account. That did not happen. Left me with a negative balance of 118.00. Now 2017 paid out the negative balance with refund but collections are still holding my money and not depositing my money into account. It has been 10 days refund was released by government on 17th of feb. regions has changed and I am changing to cannot work with bad banks.


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I applied for a personal line of credit of $5000 dollars. It was approved the next day. Actually a Regions bank rep called and tried to tell me they reviewed my credit history and said they because of my excellent credit it would be better to apply for a personal loan of $3000. That would be more than enough to pay all I owe. I said ok and they will throw out the personal line of credit. Got a letter 5 days later saying they denied the loan and I could write to them and find out why. Regions why would I waste my time? I have been with your bank since 2003. I went to TVFCU THE LOAN WAS APPROVED. This is just one into several instances that Regions has failed to deliver for its customers. No way to treat a customer of 14 years.


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My daughter wrote me a $3,000 check drawn on Regions Bank in Atlanta. Not only did I appear in person to cash the check, I went to the actual branch where she opened the account (not that it matters, but...). They charged me $20 (TWENTY DOLLARS!!!) to cash the check! I had to close my BOA account after an identity theft issue and had opened a new account the day before. Since I didn't have a debit card yet, I thought it would be more convenient to appear at the closer Regions. I'm still blown away. I don't think there should be any charge when presenting a draft drawn on a bank, but $5 would have been reasonable (sort of). But $20?! Holy hell, what a ripoff!


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I have seen at least a dozen reviews (here and on other sites) about how Regions seems to 'double charge' online transactions. I thought I was the only one. Up until about a month ago, I have never used Overdraft Protection, and never had a problem with the processing of payments/purchases. I used to work at a Credit Union, transactions (especially ACHs) should NOT take three, sometimes even four business days to process. Below are two examples:


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When I called this bank, it was actually impossible to reach a living, breathing person. The menu does NOT give you an option for "customer service" or to speak with someone. Therefore, you must go through an absolutely ridiculous maze of option 1, 2, 3, 4, 5, 6, 7. Another thing that really concerned me, was the fact that in order to speak to someone, you must punch in your Social Security Number. And if you're not a customer, they STILL want you to punch in your SS#. That is very suspicious and I do not trust an institution where they are asking for such personal information. This review asks two things: we need to describe our experience, which I just did, and also, the reason for the review. My reason? To WARN OTHERS that this bank makes it impossible to reach a real person and they want your SS#, before you can even talk to someone. No thanks!!


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Regions will automatically deactivate an online banking payee if the account is marked closed by the payee and you cannot access history related to that account any longer. You do not get the choice to deactivate. This is poor customer service as I cannot research transactions related to this payee at all now. This is not how all banks operate case in point Hancock / Whitney Bank. I am the customer and I should be the one to choose whether an online payee is active or inactive not the bank.


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Most horrible bank ever and getting worse! Borrowed money from my credit line and on Monday was assessed a 'late fee' stating that my payment was due on January 20th! Went through the maze of recordings only to be transferred to Loan Services where I held for another 15 minutes. Rep was rude and basically told me it was my problems! I have found this in the past with Regions - they have deceptive banking practices, will seemingly ensure that payments are timed so that somehow you get NSF's on your account. This is the reason I changed to Chase for my main banking account and I have NEVER had this issue again with another bank! The branch close to me just closed and my feeling is that they are struggling again like they were back in 2008. Best advice - pull your money out and go elsewhere, fast!!!


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I have been a Regions Bank account holder since September 2016 and was okay with the account until I added their OD feature. After adding the feature naturally I tried to use it but kept getting declined. Instead of charging the $36 OD fee for the transaction, which I would have been okay with had they paid the item, they declined to pay the item and charged a $36 returned item fee which is non refundable even if they don't pay the transaction.


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I have been into the branch 4 times now. I have explained again and again that I have never given any login and password to anyone. All of my deposits are signed by me not for deposit only stamp and the initials L.H. on the back. In addition my name is always handwritten on the front of my checks. Furthermore I'm self-employed and have the same checks constantly going into my account. I feel that I have blatantly been accused of fraud. Where are the notifications - phone calls and/or emails - letting the customers knowing immediately of pending fraud? Why didn't the employees responsible for running the checks realize it was fraudulent. Also they are no sense of urgency for anyone at all pertaining to their customer's financial matters. They would rather treat you as criminals.


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I opened an account with this bank with my daughter in 2014 to get her started with her first bank account. Everything was fine until December 19, 2016. Someone deposited fake checks into the account and withdrew cash from the fake checks. They also got money orders from the post office and cashed them. This suspicious activity went on until December 22, 2016. Why the bank didn't alert us? I have no idea. The account now has a balance of -$8000.00. What the heck. They did their so called investigation and concluded that we were at fault. We have no idea who did this and all Regions care about is getting money from whom ever.


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My daughter is a college sophomore. That alone tells you that she doesn't have much money. She works 2 jobs and every dime is precious. Regions charged her $10 fee for her banking. She was supposed to have student checking. She called them to see what happened and after waiting 25 minutes she was told she didn't have the student savings account and they could fix that. They credited her $5 back but told her that she could only do 3 transactions a month (moving money or withdrawing or depositing - all those count!). But to top it all off, she discovered tonight that they charged her $3 for a customer service fee!!! Just to talk to someone after she had been on hold for 25 minutes! She is switching banks as soon as she gets back to college. The sooner the better!!!


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If you are looking for a banking firm, it would be in your interest to go elsewhere! Regions Bank has become one of the worst banking firms when it comes to Customer Service, and protecting their customers. I have had my account hacked FOUR different times within twelve months, two of which happened within 29 days of each other. The first two hacks were stopped along with a phone call informing me and I received a new ATM card, which we all know is a nightmare to have to update your info. The second two were the beginning of the end! I had over $300 cash withdrawn out of my account at a local ATM, while I was in Florida on vacation over 600 miles away. Within three hours of the withdrawal I turned in the card, that was supposedly used, to their Branch Manager in Florida. The Branch Manager submitted the request to Dispute Fraudulent withdrawal, I received a letter within 7 days stating it was denied! 


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ZERO STARS!!! My home loan was recently sold to Flagstar Bank. I received a letter from Flagstar with specific instructions on making my first payment to them. Well, I followed those instructions to a T, and made my payment through Chase online banking. Three times!!! My payment has been returned to Chase by Flagstar three times! I've talked to clueless customer service representatives twice. Today will be my third. Are they running some kind of scam to destroy my credit???


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I was looking to buy a bike so I submitted all the documents they had asked for. And not a response at all. I don't understand why I wouldn't receive a response. Oh well I banked with them for over 10 yrs and I will close all my accounts because this is the most unprofessional business.


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Delay after delay. A simple lot line adjustment has taken years now. The Partial Release department is hard to contact, seems to make up new processes as we go, and has made this simple adjustment into a mess. Almost two years in Flagstar wants a notarized release for my title company to be involved despite being involved the entire time. New request after new request. Get it done, Flagstar! This is why people hate big entities.


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As a rule of thumb I tend to make payments in advance for all of my bills. In the case of Flagstar Bank an early payment went towards our escrow leaving us late on our monthly payment. I called to explain that the full (exact) amount we owed was paid in advance as an act of good faith. Unfortunately, they would not make any adjustments and as a result of our early payment we were stuck having to make an additional payment for that month. Needless to say, payments moving forward will be late.


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Flagstar Bank is apparently in the habit of keeping excess impound account funds over $500 even though it's the law. The first time they did this on our account they had over $5000.00 in our impound account. On one occasion, we missed a mortgage payment but rather than take the payment out of our impound account they reported a missed payment to the credit bureaus which lowered our credit rating. It was then we discovered they had all of these funds of ours they had been keeping for several years. Now I just received a refund check for $705.00 from them again in violation of law. This is just an incompetent, unhelpful and deceitful bank and I would never do business with them again and suggest you might be advised not to either.


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I have called multiple times in a month and each time there hasn't been a resolution until I had to figure out what was going on with my property taxes and getting double charged on my home owners insurance as well. I've showed them proof multiple times as well, spoke to the county of San Bernardino and they were in agreement with what I was asking. This last call after about 5 different times really pushed me over to write this. Everyone is stuck on one thing and when I was asked to be sent to a manager come to find out there is no manager. It's only a management team but no one is actually a manager according to Tatiana. She also stated it doesn't matter who we call no one is going to help.


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There are a bunch of hidden fees such as interest on purchases made. They don't make disclosure statements as they should. They charge $40 for returned payment fees. I lock my bank card for security purposes (not my fault they take the payment 3 days after the payment is made).


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I was denied loss mitigation by Flagstar. I lost my job due to Covid and was struggling to keep up with my mortgage payment. However, Flagstar’s denial turned into a blessing. Because of Flagstar not willing to help, I was able to qualify for the government assistance program HAF (Homeowners Assistant Fund). I was awarded 18month of the state paying my mortgage. Every month is a struggle to have Flagstar apply my payments to my account. Every month flagstar receives the payment “on time” and it sits in a suspense account. The customer service reps are not knowledgeable, vile and make assumptions before looking at your file or asking the proper question. 


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We requested a payoff on 9 Feb, paid it off but Flagstar went ahead and pulled $30k from our account AFTER we paid it off. We have been fighting with them to refund us this overage since 14 February. They even went so as to try and get more money from the account and were told there were 'non-sufficient funds'. Duh! Why were they trying to get more money AFTER we had paid off the balance? We provided our bank statement after they said they 'reversed' the money back into our account (no they didn't). We filed a complaint with CFPB and the bank's response was that it takes up to 3 weeks before the bank credits it to our account. WHAT? In this day and age of electronic funds transfers, it takes about 1 -2 days. We even went to our bank and talked to them about this. They were surprised that someone would even say that.


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The customer service never helps me with what I need help with. They sound so annoyed with my questions and are no help with how to fix the current issue. They ask me personal questions about what I’m going to do with my money or one time the employee held onto my money until I told him what I was using it for. This place is very discomforting. This happens every time I call them, not very charming for a banking business. I’ll be removing all my accounts from Flagstaff and I advise you to as well.


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Spent almost a month providing all the documentation they asked for. Only to get denied and not even offered to try and adjust the heloc amount just to get my account started. A lot of effort and time wasted.


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I have submitted all documentation on my modification for a new loan to be restructured. But they keep giving me the runaround for the past 2 years and keep accumulating fees. All I want is to is add my past due amount to the back of my loan so I can start fresh but they won’t help me at all to revise it.


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I needed help with payments. I got divorced and Covid hit. When forbearance was ending, I applied for loss mitigation. I uploaded all of my documents and was still sent letters saying I have something missing. Don't look for much help from this bank. I applied for federal money, got it. Flagstar was sent the money in May. I started calling and was told to check back because the money wasn't there. Every agent I spoke with told me something different. Once I was told the check came in and went back out. I went back and forth with Flagstar and the government agency from May until the end of July. 


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Account was transferred from Wells Fargo to Flagstar a few years ago. The line of credit was never used. I closed the account per their instructions. No mention was made of any fees to close the account. I then received a statement showing no balance due, then received a letter stating that I owed a five dollar fee. I spoke to four customer service reps during an extended phone call, to no avail. They stated that I owed the fee and that needed to be paid immediately. Even though I do not agree, I attempted to pay the fee while on the phone. After first stating that they could take the payment over the phone, they then decided that they could not. They stated that they couldn't take payment from because my account had a zero balance. What? Absolutely Ridiculous! WORST BANK EVER!! STAY AWAY!!!


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As an ** veteran, I am at a lost of words with the pain and heartache Flagstar Bank has inflicted on my family after offering guidance to apply for state assistance with my mortgage only have Flagstar Bank decide to deny the state from providing state assistance to my family. Why offer guidance to a homeowner during a stressful and vulnerable moment, only to stab the homeowner in the back and deny that very same homeowner state assistance.


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Let me preface to say that I have two mortgages on two different properties with Flagstar Bank; both CURRENT; both accounts have been and continue to be in GOOD STANDING. In May 2022, Flagstar received a large payment from my Insurance company, due to an unfortunate peril that occurred to one of my properties in Feb. 2022 for the purpose of rebuilding my home. Flagstar, having security interest, placed the funds in temporary escrow to be released for rebuild upon receipt of their required documents.  


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Worst customer service when it comes to call them. Called 4 times and I have been on hold for 40 minutes each time. If you do not have life or nothing to do call them. If you need a faster service change this bank.


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This is a horrible company. We have been going back and forth with them for months. They have made an accounting error on our account and fail to fix it. They send our loan to collections every month and then start calling us. We have been told by several agents in several departments that we are right and are not behind on our payments and that they will make sure it gets fixed, this happens every month and then the following month it starts all over again. Today, after speaking with 5 people, one of whom was unbelievably rude. He was about to transfer me to someone else and I asked who he was transferring me to because the person I had spoken with who transferred me to him said that his was the department I needed. He said, "to the department who will help you" and rudely transferred me in the middle of my sentence. 


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Stay away from this bank! I have spent hours upon hours uploading personal financial documents for a Home Equity Line of Credit (HELOC). Finally, more than 2 months later they decided to ask for one more document and then said, "We can't approve the HELOC based on zero logic." I have no problem with them rejecting the loan, other than the fact that I have already spent hours tracking down documents and months waiting for a response. If you're going to reject someone be a little quicker about it so they can go explore other options, of which there are MANY in the HELOC business. So with that said, do not waste your time with this bank! Find a bank that moves at a faster pace and lets you know up front everything they will need. Do not give them any personal items before they give you a checklist of EVERYTHING they will need.


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I had a water leak in my home and have been trying to get my insurance reimbursement from Flagstar for two months. All of the representatives (with the exception of the one who hung up on me) have been very kind and try to be helpful, but it's clear that there are no good systems in place for documentation needed and process. There is a check shown as submitted and paid out on my document list that has nothing to do with my claim. I have told all seven representatives and some say it isn't there and others say "I guess they will send it to the right person, you don't need to worry about it" when I ask to have it removed. 


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I have banked with Flagstar for over five years. I like the local branch. However, I recently applied for a loan for 20k. I own my home outright. I own four other houses that are rental properties completely, no mortgage. I own my business and the building that it sits in 100%. My income is anywhere from $1400-$2000 weekly. The loan officer has asked for paperwork after paperwork and eventually, I was forced to ask my brother to co-sign the loan. He has two homes and about 1.3 million in assets. I STILL haven't been approved and there is now even more paperwork that she wants. I'm trying to borrow 4% of my assets and I have no debt for my debt-to-income ratio. WHY IS IT TAKING SO LONG? I've never experienced a bank that was so determined to lose business.


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Since Flagstar purchased my mortage they have had 2 data breaches. The most recent breach I called with some specific questions and was told my questions would be passed on to the appropriate department and I would receive a return call. After 6 to 8 weeks this has not happened. I have sent several emails asking for a response with no replies. I have reached out on Facebook and Twitter. I have received acknowledgement but then it goes nowhere. Don't think for a minute this bank cares about you or your personal data. Customer service is nonexistent.


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This company is the absolute worse mortgage company to deal with. I have had mortgages with other banks and Flagstar by far is the most difficult to deal with. I had an insurance loss due to a fire and it was nearly impossible to get access to the funds in escrow once Flagstar received them. Because of the difficulties I decided to sell the home because of the drawn out process of dealing with Flagstar. I intended to use the escrow funds to pay the mortgage off so that I could be done with Flagstar and purchase another home. 


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On 6/15 a storm came through my area and blew a portion of my roof off. On 6/16 I called my insurance provider and they advised me to let my mortgage company know about the damages. That same day I called Flagstar and went through their automated claim line and got my claim number (or whatever they call it). I stayed on the line to make sure I could talk to a person about what I had to do next. A nice lady picked up and told me that their systems were down and she couldn't only give some general information. She told me once I get my check from my insurance company that I needed to write the Flag Star claim number on the check and mail it to them in Arizona along with the estimate from the contractor and any paperwork from my insurance company. I followed her instructions and mailed all documents to Flag Star as soon as the check came through on 7/11. 


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For the second year in a row the escrow dept. screwed up with the amount they take out for taxes. I have been with their mortgage dept. for an estimated 8-10 years. Their escrow dept screwed up on the way they take out taxes and blamed it on the county, I have had my taxes taken out and paid in 2 installments. This year 2022 and last year 2021 they didn't take enough money for the tax/escrow and also sent too much money back to me in an overage check. When I called them about it the representative said they will look into it, it would take 6-8 days. 


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I received a letter stating that I needed to submit proof of my insurance. I did that. I kept get more letters after that so I called to figure out what the problem was and they told me it was a different insurance document than what the letters described. I got that from my HOA and uploaded it. They still charged me $600+ for not having insurance. I've now spent 15+ hours working on this and have called 7+ times trying to get it corrected. I've had three people over the last four months tell me "just wait a few weeks and the charge will be taken off" and it is still there. I would give negative stars if I could.


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I would give this bank a negative five stars if it was possible. We are building a custom home for a customer that is using Flagstar Bank. We submitted our first draw to Flagstar Bank on 05/31/2022, it was approved through their 3rd party Granite Co to be paid. They have a ridiculous amount of forms required for every draw from us and the customer as well as every draw has to be notarized, but we jump through all the hoops along with our customer to help them get their dream home completed. (Normally banks fund within 7 days) As of noon on 07/07/22 it still has not been funded from the request on 05/31/2022. 


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I called in regards to having my PMI waived. I submitted an apprasial and the waiver form and have not heard back for 30 days. I called and was transferred to the PMI department, the woman that was helping me was horrible. She kept putting me on hold without telling me why I kept having to say, "Hello is anyone there," she was laughing not answering my questions, then I asked her to email me the letter regarding my PMI and she said, "Let me put you on hold," she put me I hold for 5 minutes and then I got the "Our customer service center is closed right now please call back."


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Awful company, not only have they had 2 data breaches they also messed up my taxes for last year because of their lack of due diligence and now they are trying to make me pay for the difference. The customer service not only was rude and yelled but also insisted they contacted the town and the total received was correct and that I am wrong. However, I have the proof that they did not do their due diligence and made an error causing my escrow go to zero. Now they expect me to pay much more every month. Keep in mind I’ve never missed a payment and pay 2 months ahead of time. The tax that they insist was given to them by the town in 2021 was not even close. It hasn’t nearly been that low for years and they would of notice that if they actually did their part. Now they expect me to pay the difference. I don’t miss a payment and pay on time 100% of the time but I’m getting penalized for their error. That’s ridiculous!


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Our initial lender sold our mortgage to Flagstar about a year after we bought our home. The county we live in bills is twice per year for our property taxes. In 2021 my husband got on the phone with this company to remind them we are billed twice per year, to which they replied they only needed to make, and were only accounting for, one of the two tax bills. We are now having to pay hundreds more per month for our mortgage payment to make up the for shortage caused by Flagstar – they were not collecting enough from our mortgage to satisfy both bills.


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I had autopay from UWM and Flagstar bought the loan. They sent junk mail but I obviously don't open mail from a random bank I have never heard of. My autopay randomly stopped and now my credit has taken a hit. Unethical business.


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I had set up autopay for my mortgage. Autopay was supposed to draft at the end of the month. Noticing during the first week of June that it had not been taken out I called to make sure there was not a problem. They told me that autopay had been cancelled but could not tell me why (this was not something I had done). They told me I needed to make a payment. I made a payment and they double charged me. I called back and they refused to reverse the charges. They sent me a “refund” form which gave me a list of things I needed to attach to prove THEIR error (which they acknowledged on the phone) and provide my account information in an insecure manner. 


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Can you imagine the mental anguish and damage caused by being told your home of 19 years has been sold from under you via property tax sale? Even more so if you had/have not failed to make a single mortgage payment? On 7/15/21 at 12:54 p.m., EST, I called Flagstar Bank regarding a “FINAL NOTICE BEFORE TAX SALE” sent to me by the state of Maryland. This perplexed me because my taxes were/are escrowed and every mortgage payment had and has been made in a timely fashion. “Donna” transferred me to “Noe” for assistance. “Noe” informed me that the bill would be paid A.S.A.P. He requested an email address to provide me with confirmation upon payment of the property tax bill.


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I received damage to my roof from hurricane Ida. I have been trying for 3 months to get my money to pay the roofers. My insurance company promptly sent me money for repairs. I have done everything this company has asked me to do. I have sent in all papers and I have had one excuse after another. This paper is missing, that paper is missing. I have sent in everything correctly. I owe roofing company $10,000 which they are holding. They simply will not get up off of MY MONEY. I have made at least a dozen phone calls to them about sending me the check to pay them. I see many other people has this same problem with trying to get their money sent to them for repairs. 


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UWM sold my loan to this train wreck of a bank, and within the first few days they have already majorly screwed up my payment. Flagstar's web UI is atrocious. I navigated to the payments page, selected 'additional principal' and made an additional principal payment. Flagstar's system then reversed my payment and applied it as a regular monthly payment, rather than an additional principal. This is very clearly not what I selected. If a user specifically goes out of their way to select a principal only payment, especially after the monthly payment has been made, it should not be reversed. If people select this option by mistake, then you need to generate a warning modal to prompt the user to either confirm and continue, or cancel. What a terrible user experience.


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Updated on 05/25/2022: So I have had the pleasure of speaking with Nadia from LOAN escalation whom was the only one to follow through with letting me know what was needed for loan to process after agreed released "forbearance trial period".. I have given all the necessary documents and made required payments to have NO response. I have also asked to pay for taxes due and they will "not let me". I do feel sad and mad that they are almost wanting me to fail as a long standing client. I have excellent credit and took advantage of pandemic relief options. I work for the airlines and a single Mom and was given the option of pandemic help due to loss of hours.


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Our Mortgage was just acquired from UWM. We had our monthly payment set up on auto pay. We were notified about 2 weeks prior to the transfer of service that this was transpiring. We didn't receive any communication from Flagstar Until the 1st of the month. Apparently I was too eager to make our mortgage payment. I logged into the Flagstar Portal at the first opportunity on the 4th and scheduled our payment. Later that evening I received an email from Flagstar saying that our existing Automatic withdrawal was still in place and would still happen. 


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They have no idea what they are doing. Our loan was acquired by them and I have had nothing but issues. It took 3 months for me to even get them to accept a mortgage payment (which they charged me a fee for because their online system kept reversing my payments). Now I called in asking for my 1098 tax form before tax day and was told they forgot to issue it so the earliest they could get it to me was 1 day after tax day. We dealt with that, however it is now over 2 weeks since taxes were due and I still have no form. I called in today and was told I don't need one since the actual first payments did not process until January of this year. That sure would have been nice to know on the call before tax day. 


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After reading some of the reviews on here about Flagstar Bank I was a bit shell-shocked. I completely understand the frustration by some customers, I have some of my own as well, but I wanted to take a moment and give them credit for their positive attributes and hard work that I have personally experienced from them as my mortgage lender. I have been on COVID forbearance for quite a while and was set to exit a few months ago. Let me start by saying throughout the entire Forbearance they were helpful, kind, and informative whenever I had questions, concerns, etc. Following my exit of forbearance, I was to receive my new loan modification documents within a month, have them signed and notarized and returned to begin payments. 


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I have been trying to resolve my forbearance since July 2021. I have been told at least five times that an agreement has been mailed out for me to sign and return in order to modify my loan and resume mortgage payments. I haven't gotten any of these agreements yet I've gotten other correspondence via mail from them. It makes no sense that I'm receiving everything else in the mail from them except the agreement. Each representative I have spoken to agrees that it makes no sense. After reading similar reviews, I'm convinced this is just something they are trained to tell you and are not really mailing out anything.


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I own a property with my sister, and since she has hit a rough patch we decided to do a mortgage deferment for a few months. We submitted the application in February and were instructed to not pay our mortgage while going through this process.. We are still in the process two months later and Flagstar has put a late payment on our record. My credit score has gone down 60 points.. and I got a notification that someone put a hard inquiry on my report. Guess who it was? Flagstar :). Now I’m in a situation that should’ve never happened, with ** up credit and having to come up with two mortgage payments. They are saying that my deferment application is under review now, and what was once something that should’ve took a few days, will now take an additional 30 days. The customer service + communication that this mortgage provider provides is absolutely terrible, I haven’t seen such incompetence in my life. Horrible. 0/10.


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Really don't know where to start but I really hate whoever wherever this so called bank came from. They Acquired my loan and this must be the DAMN DEVIL. They don't have a DAMN clue on what's going on. I've been sending them the same 14 pages since 09/03/2021. They say they have the info. I call back 3 days later they don't have it. The back and forth since September 2021, the reviews online is beyond bad from the Racist ways that they deal and treat ** accounts holders for those who are dealing with hardship they accounts have been held up for very, very small reasons "like the letter Y is not straight and that doesn't like a number 3 more like a 2" but other applications have been processed with the same SO CALLED ERRORS with other Races. And the Employees with "FLAGSTAR BANK" knows that there is a problem. This KKK bank needs to be shutdown ASAP


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I have now spent more time trying just to speak to someone and to get a copy of my new loan than I spent with my previous servicer to do a refi from an FHA to a conventional loan. Flagstar recently bought my home loan from UWM and it has been a nightmare just trying to establish any communication. I could not register on their online portal until the day after payment was due and I have yet to be able to speak to someone at their customer service number. I have now been on hold for an hour and have still not spoken to anyone and this is my 3rd attempt since receiving the service transfer letter. 


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I started a refi in November 2021, it's now April 2022. We have provided everything and the kitchen sink and they still want more "proof" we paid this and that, then they want to pull another credit report, I am so frustrated. We have nearly $300k in equity, and want to pull out $100k to install a pool and upgrade the landscaping, we own 3 homes and never in a month of Sunday's have we ever experienced sheer incompetence in a bank refinance. I've given up nearly 5 months of my life and I can't do it anymore. I am going to complain to anyone that will listen, and I'm going to write a scathing letter outlining the gross misconduct. We had a great % rate too, and with rates going up, and waiting for them to get their act together we totally missed out and now have to start all over again. I'm so frustrated and upset, who takes over 5 months to refinance when everything is in order. What a waste of time.


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Flagstar Bank is the worst financial institution and should not be in business. I have never wasted so much time, effort and energy working with a company to process a refinance. I started this process to refinance an existing loan with Flagstar in August 2021. It has has been over six months! This is not the first time I have been through a refinance process and it typically takes 20-30 days to complete. This process is no closer to closing this out and going on month seven!


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In November of 2021 I refinanced my mortgage with another provider and called Flagstar to let them know that my taxes would be paid through the close of escrow on my new loan. Flagstar paid my taxes 2 days before the close of my new loan even after they had told me that my taxes would not be paid until December.


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Flagstar is the most technologically inept financial institution I've ever used. Nothing works correctly on their website (even after they migrated our account to a new "platform"), connecting with other banks or online services (like Mint) rarely works smoothly, and they don't even let you do a wire transfer from your online account! You have to request that the feature is added, which takes several business days. That is not much help when you are scheduled to close on a house and Flagstar won't let you access your own money! Unbelievably bad customer experience, and will be closing our account as soon as possible.


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After paying off my mortgage, still waiting to receive my escrow check from the bank. İt has been close to 3 weeks. Unacceptable, if we are late of our payment would be punished by interest fees. Customer service suggesting to wait, instead of any investigation.


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Absolute ** show of an operation. Sharon ** and Austan ** outright ghosted me, after my refinance had already run 4 months long. How does Sharon's manager not know there is a refinance of an existing loan customer outstanding 4 months? It took me finding a Flagstar Bank customer service phone number online, explaining everything to a rep, and getting connected to the department director, who also had no idea of how her subordinates were operating. Carmen reviewed my file immediately and said I should be ready to close in 24 hours.


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I was going leave the situation alone until my cap came off, my loan advisor Jeanine-**told me my payments would not go up. I listen to her and her friend Lee ** who was my realtor (first time buying a house). I really feel like I was taken advantage of because I didn’t know much but I was trusting two people to guide me in the right direction and helping me make the right decision for buying my first house for me and my children. Lee pressured me to move from my bank to Flagstar and I wish I listened to my first advisor at the time when she told me not to buy the house! I listen to Lee ** trusting my realtor and came to flagstar. 


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Flagstar Mortgage Department lacks concerns and does not care about borrowers especially when the borrower faces a hardship for short time. Flagstar unnecessarily does not allow borrowers to resume making monthly mortgage payments electronically via FlagstarMyLoans. Instead, borrowers coming out of Forbearance and in an agreed Loan Modification Plan must pay make mortgage payments by sending checks or money orders via certified mail or pay additional service fees to Western Union for mortgage payments. Flagstar refuses to update their internal systems to reflect payments as requested by the borrow with the date of payment specified on the check. IT IS BELIEVED FLAGSTAR IS REPEATING THE SAME INAPPROPRIATE SERVICING RULES AS LITIGATED IN 2014 BY THE CONSUMER FINANCIAL PROTECTION BUREAU.


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2019 we took out the forbearance program for less than a year. 2020-2021 we completed application, submitted required documents and made it to the process of three payments. After, we were told our modification was in process not to make payments. Months of us calling for updates with no continuity of information. We got the run around and now are in the process of doing the application all over again. I feel like this is a trap and scam as now we are behind on insurance, racking up interest for something they expressed would be easy and helpful. It has been a horrible experience. I can not seem to get straight answers.


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I refinanced my home with Fairway Mortgage. The loan was transferred to their servicer Flagstar Bank before my first payment was due. I had requested no escrow account due to my prior experience with a mortgage company requiring an excessive escrow cushion. My loan officer assured me I could remove the escrow account after my first payment with no charge. This was not true. I contacted Flagstar and was told I can remove my escrow account but there will be a charge equal to 0.25% of my loan balance. This is approximately $600. To add insult to injury, I just received my escrow analysis and Flagstar is requiring an Escrow Balance exceeding 1/6 of the estimated annual expenditures (homeowner's insurance and taxes). The required cushion is double the cushion amount allowed by law.


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I have a loan from Flagstar bank. Suddenly they started charging me over $400 for my home insurance. I wasn't aware as due to covid in the family I got caught up. I called them after 6 months. They told me my home insurance lapsed. Although my insurance payment is included in escrow and goes altogether via my mortgage payments. I called my loan processors, they mentioned they sent every document packed to Flagstar. I called Flagstar again, but they said the same story and talk to your insurance agent. Now my insurance agent told me that they never received the payment which I was making on time via my mortgage payments which Flagstar lapsed in. Apparently, they are not refunding my money and making have been rude to me, and saying "we just mail, it's your duty to check mails." I wouldn't recommend going with a company that is not responsible and takes accountability.


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They are mishandling my Escrow Account. Holding way more than needed. Please contact Consumer Financial Protection Bureau (Federal Government) and lodge a complaint to put a stop this kind of actions.


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I was in the market to refinance the loan on my home. One of the primary motivators was to get an additional tax break for my 2021 taxes. I made this issue abundantly clear to Flagstar when I started the process with them. I was set to close the loan on December 26th but was notified on December 23rd that my wife had not signed/returned a document. I reviewed all of my email accounts and all of my wife's email accounts - nothing had ever been sent to her that she needed to sign. I also checked the Flagstar portal that contains all of the To-Do items necessary to close the loan - nothing there either.


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My loan was bought by Flagstar. I was on a forbearance due to Covid-19. After my forbearance they informed me that my situation wasn’t from Covid-19 & told me that I had to fill out the loss mitigation application or come up w/ the total missed pymts in a lump sum. I filled out the paperwork. They mailed me new paperwork for my loan. They lowered my monthly pymts by 50.00 & added 10 & 1/2 years to my note! I got a company to help me lower my past due balance by 1,800.00. Flagstar would never fill out the agency's forms so she had to close my case because we could never get ahold of the right dept on the phone. We tried calling & emailing them for over a month. So I missed out on that agency helping me. 


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This is my first mortgage with this bank, and all has been good until I needed help with an extension on my forbearance. We were eligible and have called at least 6 times to get it done, are told it is, but nothing has changed and no dates updated. Each time you talk to someone they contradict the last person you spoke to and you cannot get consistent correct answers, unbelievable and beyond frustrating. Even managed to extend the dates myself online only to be told today that it was probably a system error and we are possibly not eligible for an extension.


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Everything about this experience with Flagstar wreaks of predatory lending. Flagstar purchased my loan a month after I closed on my townhouse. I chose a humble townhouse in a new community built by Ryan Homes because I wanted a nice, comfortable, safe environment for me and my daughter and to ensure I could afford the payments on my humble salary. In the first two months Flagstar sent notice that my payment would increase. When I inquired about why and what we could do to mitigate this my payment went back down by $500. And for a year I paid my mortgage each month on time at a rate I could afford. Until December 2021, I got a county tax bill saying my taxes were not paid and the county wanted $10k immediately! I again contacted Flagstar. They assured me they would pay the taxes. And said my payment my have to increase “a little” to cover the taxes. Why wasn’t this already being held in escrow? 


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Flagstar took ownership of our mortgage within this past year. When tax season rolled around we received the annual bill from the city indicating what was coming due. We were under the assumption that Flagstar and our escrow would make payment directly to the city on our behalf. We quickly became confused when a check was mailed to our home from Flagstar, indicating that the check was to be used for our tax payment. This check was also $600+ short of what was due.


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I am really annoyed that the phone numbers seem to all go to an automated system. If you make an incorrect selection it's a dead end and you can't get back to the main menu. They added an escrow to my account and I pay my own taxes and insurance. They acknowledged that I have insurance but didn't reverse the escrow. The departments don't communicate with each other. I have a lot of equity in my home. Are they trying to take it away from me like they did to so many others in 2014? I can't afford an extra $200 added to my monthly payments since I am on social security. I guess they think I should pay for insurance twice? Maybe they think I am not in a position to fight then since I am a senior.


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I wish I could give negative stars. I'm a first time home buyer and I was relying on Flagstar to give me the correct information. I was told twice now wrong information that was detrimental to my account, and this was even confirmed by the complaint department. I now have to find a way to pay over $1000 in less than two weeks. This is unacceptable. Flagstar has royally screwed me and has ruined what was supposed to be a great first Christmas in my new home. I would not recommend this bank to anyone. They clearly don't care about their customers and are only out for the money.


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Flagstar bought my loan from a superior lender. If my way I would never have chosen them to be my lender. It appears to be their business model to buy good loans and then crap all over the customer with terrible customer service, ridiculous fees. Flag Star found out I was selling my house so they sent an "inspector" who claimed the house was vacant. With the power on, lights on, heat and gas on, cars in the drive, the inspector decided it was vacant. It was not. They then contacted my insurance agency which promptly notified me that my policy would be canceled at the first of the year. To top it all off Flagstar is charging me for the "inspection". I cannot say it enough Flagstar buys loans from superior lenders and then proceeds to provide the quality of service that made people get those loans from better lenders in the first place.


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My husband and I have been going back and forth with Flagstar in regards to reporting our loan payment late for December 2020 when our loan was in forbearance and the house was in the process of being sold. Now a year later we are trying to close on another house and this wrongful loan reporting is preventing us from closing. We have been given the runaround with customer service on getting this fixed. We were told that when our loan went into forbearance that it would not be reported as late to the credit bureau. They lied and will not help fix it! We have disputed with credit bureau and also did what poor customer service told us to do and still nothing. Very disappointed and horrible customer service.


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We having issue about my home loan. We are forbearance since August last year, July came and we told them we are ready to make a payment on my house and we passed all the document that they need but till now and FYI I just done talking to them we still need to wait for finish processing the paper. Once we got the document then we can make a payment. HELLO IT'S DECEMBER NOW. It's really frustrating for me and family that this issue it's take forever to take care of it. 


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My mortgage was sold to Flagstar one year ago. My property was affected by Hurricane Ida. I have a $10000 deductible. I received $38000 and Flagstar loss draft department is playing games. I have two letters in my file. One saying they received everything and would endorse the check. The other saying check will be returned unendorsed. They sent it back to me unendorsed. Don’t know how I got the other letter saying everything received and check would be endorsed. I had my roof replaced. I owe the roofer. I had wall cut out and psi for this. I pay my insurance and Flagstar is being inconsiderate. I will be refinancing once my house is repaired. I’ve already spent more than the check. They say there’s no supervisor, every time you call if a different person. Don’t use them. If you can avoid them please do.


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We sustained damage during Hurricane Ida, our dealings with our insurance carrier were smooth and painless, however our experience with Flagstar Bank has been horrible. We have provided all the needed documentation multiple times, have been told the check will be endorsed only to have the checks (which we overnighted and paid for return labels for) were returned unendorsed without any notification. I’ve seen the other responses on here to call customer service, we’ve done this countless times and it’s gotten us nowhere.


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They charge a $30 fee to provide a payoff of your loan. Which most customers probably don’t even realize it’s happening because the title company request this and they approve the $30 fee and then gets paid when the house sells so no one sees it so they thought it would be smart to charge a $30 fee because no one knows about it. Completely dishonest.


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To start anyone on here that said Flagstar mortgage has the WORST Customer Service is Correct!!! I have only met ONE person that had it together and could help me. They give you a STUPID runaround every time you call. Often times agents are rude and/or NOT trained to really help. They WILL NICKEL and DIME you to DEATH. Charged me several $15.00 - $30 fees for ʻcoveringʻ my escrow during Co19--then upped my monthly payments to cover those escrow payments -BUT NEVER CREDITED the ʻFEESʻ that they called several different things - ʻadvancesʻ/ ʻshortagesʻ etc. They even charged me for ʻdriving byʻ my house?!! Their statements are confusing and often seem to contradict themselves. I have had mortgages with several other companies and this is not one I would choose ever again. They for sure are NOT working to help the consumer - very sad.


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My house was damaged during hurricane Ida. My insurance company sent a 9k check endorsed to myself and Flagstar on 10/14/21. I sent them everything I had, and all they have done is play games and lie. It's now 11/29/21. This is not only affecting me but my carpenter and his workers. This company doesn't care, though. I'm so angry Freedom Mortgage sold me to them. They are worthless.


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Very poor customer service. They charged a payment for flood insurance even though I provided evidence of valid insurance coverage. It has been two months and in spite of multiple phone calls, no resolution yet. Stay Away!


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So very kind over the phone. Walked me through everything. Help me set up everything. When I got my statement, it was spot on. I just hope they merge with NYCB bank fully. So happy they are now the owner of my mortgage.


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My house was hit by a tornado. Unfortunately Flagstar Bank was my mortgage holder. The insurance company issued a check relatively promptly made out to me and Flagstar. After endorsing the check and sending it to them next day air, they proceeded to wait over a week before even acknowledging they received it. Since it was sent certified mail, I know when they got it. They also received numerous paid invoices for repairs I already made. 


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Flagstar bank made a payment from our escrow account for school taxes that was $5,000 in excess of what was actually owed. They had a bill, they just somehow messed up so bad and paid much more than owed. Our mortgage was then transferred to a different company. This caused issues for months as the new company was not able to resolve it quickly, leading us to pay an additional $1000 on our mortgage payment while waiting for a resolution to replenish our escrow account. Flagstar's catastrophic error caused us undue hardship, both mental and financial.


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I added my husband to my savings account that has been in my name since I was born over 25 years ago. I suddenly had half of it withdrawn (about $500) after adding him. Apparently, he owed them a debt that he had never heard of because he thought he had closed the account in question. Neither of us were ever aware of the debt being sent to collections at all - no contact from the bank or the collections agency, and I'm not even sure which agency it is. I opened a dispute with the FTC, but they closed it saying that "it was a legitimate debt." I'm pretty sure it's illegal to do that, and their response was just that my husband and I needed to call them. With our work hours, it's nearly impossible to have both of us on the phone at the same time during their open hours, so I'm basically out half of my life savings because no one will try to work with me. Wells Fargo was better and I absolutely despise this company.


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Sent a claim Check requiring Bank endorsement. FedEx check with signature delivery, including Appraisal Report. The entire process is cumbersome. Bank records the Appraisal Report but not the check—lost the check. Have lost 14 days and Contractor is nuts about getting paid. 2 days to get a call and no resolution. Not willing to reimburse Fed Ex fee, etc. Trash Bank, don’t do it. Try Truist!


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It is amazing how a company can hold 5 of your mortgages and just completely ignore you when you have an issue. Kyle ** and his team of morons managed to screw up a submitted deed of record by putting incorrect names on it and are now just ignoring the issue and are refusing to correct it with the city. Who does that? How much effort/time/money would it cost to correct this issue?? There are plenty of others to use for financing needs in this arena so don't bother with these guys.


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I sold my house almost 2 month ago and customer services keep saying they send the check but I don't know where. I even ask to redo the check and I will pay for 2 day delivery in which they denied to do. At this point I'm guessing they want to keep my money. Shame on them.


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Our annual tax bill is ~$10,000. We receive some local exemptions and due to the crazy market in Maine, received 1 year tax abatement for our property giving us a credit of $1200. When submitted, to Flagstar's escrow department as they requested, I never heard back about the topic. THEN, when I did call to check in on it. They had instead told me that we had definitely over paid since our taxes were only $1,200 for each 1/2 of the year.... So instead of reading the documents I submitted, and making sure it was done correctly because it wasn't they could have cost me several $1000 and a lien. As a mortgage industry professional, this is completely unacceptable.


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I look for mortgage application. He looked at my credit score knowing that I didn’t had a social security number, and that your bank doesn’t even provide this type of loan for me, He still went through with the application and he lied to me that I was pre-approval, He say for ITIN number I only have to prove my income for down payment. I’m very disappointed with Senior Loan Advisor service and the bank. Didn’t even had the decency to send me an email apologizing for your mistake and the consequences it caused on my credit scores.


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I had scheduled my autopayments for each 28th of the month, it was the 30th of the month already and still didn't see any payment posted not even as a temporary transaction in my bank account nor any notification in my email. So I decided to cancel my Flagstar autopayments. Then I did my payment manually and I got the notification immediately for this one. My manual payment went though fast. Well guess what? I got a charge of the autopayment showing off as a pending transaction on Wednesday the 1st. So I called and followed their instructions while I sent the refund form, they say it would take around 10 business days to get my refund (terrible 'cause I had other urgent payments to do). I think everybody just want to hold your money. Don't use autopayments if you are religious about seeing your transactions on time. BTW I didn't fully read the form and I just replied to the agent with my form instead of the right email in the description so I need to wait more time to get my refund.


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I recently purchased a property and my loan was sold to Flagstar. Since then my new tax bill came out which I provided to Flagstar over a month ago for escrow update. Nothing has happened since. Every time I call (I have called 5 times over the past 4 weeks), I am given the same runaround that they are working on it or that my account is on "high priority". Last time I was told that my account will be updated in 5 business days and this was 2 weeks ago. All they do is say "we are sorry" but don't actually fix the issue. Today they told me my escrow account is short so I have pay extra to fill up the gap, none of this had been communicated if I hadn't called myself. They don't communicate any changes nor do they update your account so you can it online. I am considering closing my escrow account because their mediocre service.


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My mortgage was sold to Flagstar bank in March 2021. My account was managed so wrong and I have been harassed since day 1. The escrow and insurance departments are mismanaged. I made decision today to pay off my loan over $385k since I cannot deal with the harassment. My credit score ~780 - 810


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I've been trying to get a home modification for 4 months. Are they overwhelmed or underqualified? Only updates are by USPS & are late. Keep calling. Upload your docs and keep calling! I was the Sr. Admin for the real estate division of a 64 billion dollar bank. I know what is required and what is sub-par work. My loan hasn't even gotten to an underwriter yet. Btw my Credit score is 814. I have a job and want to start sending them payments again, albeit lower payments due to loss of income. It's almost as if they want you to lose your house. I have a lot of equity and will sell before that happens. They will lose a loan and I will lose my home if they don't get it together.


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We worked with our trusted mortgage broker on a refi for 3 months. It was nearly complete. Ordered appraisals, all docs in, everything was pre-approved and at the last minute, just before the 2nd appraisal was complete, the bank decided our property did not fit their definition of a single-family. We have financed this property several times during purchase, construction to permanent financing, refi #1 and #2, and no lender has ever had this issue. We spent thousands and they pulled the plug at the last minute. It was easier for them to say no than work through the underwriting. I work in the real estate/RE finance industry and we gave them all the documentation they required but they somehow couldn't wrap their heads around it. I highly question their understanding of property definitions or commitment to borrowers/clients at this point.


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I lost my job due to Covid 19. I talked with Flagstar and was told on several occasions “No worries. We can put you in Forbearance and just add it on to the end of your loan when you are back to work and ready to start making payments.“ This turns out to not be the case at all. I got back to work and called to get set up to start making payments again and was asked if I could pay $20,000.00 upfront to get my loan current.


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I have been making payments since 2019 when my loan modification was supposed to be finalized. On Friday in December 2020 I received a letter stating my modification was reversed since they couldn't get name change on the deed by my local deed department. Wait they couldn't reach me or my spouse so they had to reverse the modification a year later from the date we signed all the documents. I called my local deed department was told that was in fact not true the bank failed to submit the documents for it to get modified through government modification program. 


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After the loan is processed you will never hear from them again. Escrow changes... nothing, monthly payment changes... nothing, escrow shortages due to changes in escrow amount... nothing. My loan when purchasing my home was around $1,600 about $200 of that was escrow. After that first year the city re-evaluated my taxes with the new purchase price of my home. So I was expecting an increase in escrow cost. Flagstar never changed the amount of my payment. No notification of a difference in escrow balance, no expectation of the new loan monthly payment, nothing. Then I go to pay my September payment and it was $1,000 more than my normal amount. Without notifying me of the change, if it was auto pay I would have just seen a significantly larger payment with no notice. 


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In May 2021 I forgot to send in a mortgage payment. My mother-in-law had been put on hospice and ended up passing on May 25th. I never received notification of the missing payment and didn’t realize that I missed it until I got an alert on my credit score, which had dropped 72 points in one day. I investigated and found out that I’d missed the payment and immediately called Flagstar and made 2 payments at once. I asked Flagstar if they would remove the bad credit remark because I had NEVER been late in the years I had the mortgage with them. The process was humiliating. You have to write a request then FAX it to them. First, who uses fax? Then they never got back to me. So I had to call and tell the story again and ask for help. Again.


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I was shocked to find a Major derogatory hit on my credit report from Flagstar Bank. When I called to complain they said it was a mistake. They said I had never missed a mortgage payment (auto pay) and I had never been late. They said they would take care of it but they never did.


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Have been dealing with Flagstar since May. We were in the middle of a forbearance and had already been approved for a loan modification when they bought out our loan. It has been nothing but problems from the start. Started with getting 2 or 3 calls a week to leave us a voice-mail saying we need to call back is urgent and we would call back for them to have no idea why we were calling. Then our loan mod paperwork was supposedly Fedexed 1st week of June, so haven't received it. Now we are calling them twice to find out where our paperwork is so we can get it notarized and sent back to them. Since June they have supposedly fed exed us the paperwork 3 times now and haven't received it yet and they refuse to fax or email it to us.


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My original loan was with them. I started a refinance with this company over 2 months told it would take 30-45 days. 60+ days out and waiting on an "issue" with Title with no estimated time to completion. It has been a frustrating experience to say the least with minimal contact from loan officer. I am pushing to complete given the fact that we have committed resources and time but unbelievable. I have done numerous loans over the years, this is by far worst experience to date.


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Oh, how I wish I could give negative stars for the experience that I have had with Flagstar Bank. I began my refinance application on February 26th and I finally pulled the plug on the application on July 9th. We followed through the process and were approved and even had the notary scheduled to come out and sign the documents. Then I was informed that Flagstar had not submitted a subordination agreement to my 2nd mortgage holder. After that, Flagstar no longer honored the appraisal waiver that they gave when I originally applied. 


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We had a loss to our home on 01/25/21. Flagstar was paid out over $67,000 from state farm and they will not release any money to begin repairs. I had to pay them out of my pocket $45,000 and they state they need a summary of loss. State Farm does not have such a form but has provided comparable form. Flagstar will not even make themselves available to conference call me and the Insurance company so that they know exactly what they need. Then a representative will comes on the line and you think you are getting somewhere and then you have to call back and the new rep is back to needing this summary of loss. Are you kidding me.


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This has been the worse experience I have had while on the mortgage Forbearance Plan with Flagstar bank. I check in monthly and have made payments whenever I am able since August 2020 and Flagstar's collection dept still call me monthly (sometimes twice a month) harassing me about if can pay the amount owed in full. They also send someone out to my property monthly leaving a notice to see if I abandoned the property and I receive notices at least twice a month with the amount I owe. I receive a call today from one of their collection agents that stated I my forbearance plan was coming to an end and that I had not been making ANY payments. I was so upset because I have plenty of proof from my bank statements that show that I have been making payments while on the forbearance plan. I have also have double some of the monthly payments. 


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I have owned several homes and have had multiple different lenders. My loan was transferred from Quicken Loans who by the way was great. Wish they didn't sell my mortgage to Flagstar bank. I called Flagstar to set up bi-weekly automatic payments which I have paid this way for years. I was told I had to pay 30 days ahead in order to pay this way and had no choice in which day the payment would be deducted only the 1st and 3rd Friday of each month. I am going to find another lender to refi with even if it cost me money because this bank is horrible. I have never been a day late in 20 years on my mortgage. This bank is far from customer friendly


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When COVID 19 first began, my wife and I experienced a financial hardship. Between a reduction in her available work hours, and increased childcare expenses due to school shut downs, we were in a tight spot. We were put on a forbearance plan until we were able to sort out our financial situation, at least that was the plan. At the beginning of last November, we were ready to resume making payments. After speaking to Flagstar we were told that if we could not pay our delinquency off in one lump sum, or break it up into three monthly payments we would need to fill out a loss mitigation form and fax it in, along with some supporting documents.


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Home loan borrower from Flagstar, and my experience has been incredibly frustrating. My loan was simple, just borrow a set amount and pay it back over time with interest. I was working as intended at first. However I got a email explaining that I was going to be billed $1444.00 for not having homeowners insurance. When I had proven that I had the insurance, I was still forced to pay that amount, only to receive a partial reimbursement when shown proof. What made this worse was that it seems I'm now getting charged for escrow, even though I pay for my own property tax/insurance. I am starting to get incredibly frustrated with this company, as it seems like they keep tacking on new fines and fees without any explanation or reason.


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I've been with Flagstar since the bank major fall outs and Washington Mutual caved (for a lack of a better word). My life was smooth sailing until 2014 when I had a major slap in the face and nearly lost EVERYTHING I owned. I was 4 payments behind 8n my mortgage, yet they never gave up on me...walked me through every obstacle in order for me to keep my home. Then Covid-19 hit and it hit hard, yet once again Flagstar never gave up on me. Out of work and was penalized 26 weeks of unemployment because an ex co-worker had it in for me, yet they stood by my side and put me in a forbearance plan to further help me keep my home. I recommend them with the highest respect and know that they would treat you as family as well.


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Do not use these people for your mortgage!! Go to AmeriHome mortgage instead. They won’t charge unfair fees for simple transactions. They also care about your account security. Flagstar Bank's customer service is pathetic. They lie and deceive you to get what they want instead of taking care of the customer needs. I’m extremely disappointed in the way I was treated and the fake process they put me through to make fun of my situation and then to say no to a simple request to make me feel secure in financial transactions. Instead they used this to mock and laugh at my situation. It’s absolutely appalling. The CEO of this company should be absolutely embarrassed of the way they let their employees handle customers. Since he or she can’t take the time to speak to one of the people who pay his salary.


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We have been trying to refinance for months and we kept getting conflicting information about what FG needed from us to process our application - we went through the whole thing twice. I posted a BBB complaint and got a number to call which was just a generic CS number, and no one ever called us back. Now they denied our refinance application and send a debt collector to our door on a Saturday - we're refinancing with someone else, and we've been on the mortgage deferral program, so we owe them nothing


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We've been in our home for almost 9 years. Flagstar obtained our loan a few years ago. The customer service has never been great but no real issues. Last year at the beginning of the pandemic they offered us a forbearance that I was supposed to last 90 days. We run a small business and things were slowing down and very uncertain. They said after the forbearance we'd have 3 options of how to resume payments. Seemed simple. When I called to resume payments at the end of the 90 days I was told we'd have to submit a loss mitigation application and get approved to reset our loan. 


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If I could give negative stars I would. By far the worst experience I have ever had. Back in December 2020 I begun the refinance process for my current home. I spoke with one of the refinance reps many times in which I was told I would get a 2.5 interest rate if I were to lock in now. I told my agent to lock it in through phone calls through texts multiple times in which I was told that she will do it and let me know once it was done. I went on to the site the next day and saw it was still not locked in. I spoke to the agent over the next few days in which I was told she is going to do it. She never did. That’s when the pain in the ** began. 


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Nov 2020 to June 2021 is how long it took for a simple refi loan with a relationship over years with my current mortgage. Every time I inquire, IF they respond they want more docs, more docs, looking into it. Then after 8 months, 8 months drop the request. I’ve never in my life been turned down for a loan, never! Others knocking on my door for business, I’ll move away from Flagstar ASAP! My home is almost paid off, I’m outta there!! Read others' reviews! Best of luck to you, you’ll need it! Can you leave a 1/4 star? I couldn’t find it...


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Our original home loan was bought by Flagstar, and it has been a nightmare from day 1. We were not, I repeat, we WERE NOT notified that they bought our loan. Even though they bought a loan that we took out on the only home we live in, and they know the address, they DID NOT send statements or notice to us about the change in lender, so we didn't make a payment for months, This has wrecked our credit. We had to pay about 33,000 in one day, to catch up and ensure we didn't owe anything. Then we we got hit with baseball size hail, they collected our insurance check (which is understandable and deposited in escrow) but when it came time for them to cut us a check for the damages we HAD to fix, it was like pulling teeth. We are thinking of just paying off our loan to get rid of this company from our life. 


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Flagstar took over our loan. They convinced us to get in the covid forbearance program promising no extra debt, after 3 months we tried opting out and they took 4 months to finally get us out of it and now they are charging us double for the missed payments. Customer service has clearly told us there's nothing we can do, we are now in more debt than ever and our monthly payment keeps going up monthly.


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0 stars really should be an option. I wanted to change my due date because my pay schedule changed and since it changed, there was a window of time when I didn't get paid. I get a ridiculous run around and am told to submit loss mitigation app. Nothing but a run around after that. Really? Something happens in life and that's the response? Please stop saying you care about your customers. You most certainly do not. Ever since my mortgage was purchased by Flagstar we've had numerous unwanted calls. Now I am forced to make my payment late every month.


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My loan was sold to Flagstar a few years ago. To be honest, the transition went fine. The trouble started when I initiated refinancing in March, '21. I have a credit score that hovers very close to the max of 850. I thought that using my current lender would provide an easy refinance. It's been nothing of the sort. NIGHTMARE! No communication unless initiated by me and then the answer has always been something like, "almost there...oh, we need one more document and then we'll be done." Then another month passes and they need updated bank statements and pay stubs. I've provided every document they asked for within 48 hours of requesting...most within 3-4 hours. Then I wait for a few weeks and finally reach out to get an update and would you believe it...they need another document. How long would it have taken them to notify me that they needed another document if I hadn't checked in? Certainly, no one was checking in with me. 


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Flagstar bought my mortgage account which was in Covid forbearance. They immediately launched into full collections mode before I'd even received a welcome letter. In addition to facing recovery from being sick, I now have to deal with endless collection phone calls, mail, and letters left in person on my door for my neighbors to see... while I'm in forbearance.


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My home has been financed through Flagstar Bank for several years. I have never missed a payment and my credit score is in the 800's. I wanted to refinance to take advantage of the lower interest rates. In fact Flagstar sent me an email soliciting me to do just that. I have 75pct. equity in a million dollar house that I've owned for 43 years. They have stalled the process for almost 4 months asking for ridiculous documents. Each time it comes back from "underwriting" there is something new they want, then it takes another 3 or 4 weeks for them to get back to me and want something else. What a joke they are.


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My mortgage loan was sold to Flagstar Bank and it’s been the worst thing that could have happened to me. I’ve been trying to get out of the forbearance plan since last year and no one has been able to do it, it’s been call after call doing what I’ve been ask to do and nothing is done.


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We give Flagstar Bank -0 Stars. We opened a business checking account, deposited over $10,000. We had a 5 customers' bank place a stop payment on their checks and Flagstar Flagged our account and Claim it's under investigation, but when we call they give us no information, they just forward the call to another department and tell us they'll contact us. It's been 3 weeks and no one has contacted us. We are reporting this bank to the BBB, FTC and Law enforcement for retrieval of our funds.


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This company is far beyond the WORST company I've ever had the displeasure of having to deal with. Since October my wife has been trying to work with this company doing everything they told her literally and while she was sitting on the phone with them. She received no help until contacting an attorney and the Consumer Protection Bureau. They still are not standing up to their end of the deal explaining how paperwork should be signed and only where they put tabs so we do exactly what they said because after experiencing all the other rule changes they constantly make only to be rejected for not signing a paper that "they usually forget to put a sticky note on" -Ms. **. In the hardship task force tells me. 


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I wish there was an option for negative stars. My home loan was sold to Flagstar a couple of months ago and it has been a series of nightmares ever since. The latest has been finding that my property taxes were not paid from my escrow account and I now have accrued interests on late payments. To make matters worse, there is not evidence phone number to get customer support or any useful information on the website so I do not know how to resolve the problem.


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This company goes far beyond horrible!! I've been working since October to try to change my loan after the hardest year my family has ever faced. Submitting everything they asked for and literally as I spoke with an agent. Had to attain counsel before anything really has been done at all. I can't even begin to explain the additional hardship this company has caused my family. I've never in my life been treated so poorly. Having to call in multiple times to get an agent willing to actually do any work. Put into a plan that would raise my mortgage to 90% of my guaranteed monthly income which I had explained multiple times and submitted proof that our pay rates vary and that I had lost my job during the pandemic and have not been able you return. Even though I had sent not 1, but 3 appeal letters stating that I didn't want to be in it.


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My original mortgage was with Chase bank, but my mortgage was sold to Flagstar Bank. We recently had two major hurricanes to move throughout area. The second cause a tree to fall on my house and a second tree in my yard, taking out part of my fence. I paid to have the trees removed before the insurance could even come out, since the tree was literally through the roof. The insurance agent did a great job on his assessment and payout. Of course the check was made to us and Flagstar. I have dealt with this with other properties, so I really was not worried.


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I set my account up for bi-weekly payments, little did I know that it would not cancel my monthly mortgage payment. So it pulled my payment twice/Initial phone call was great, they cancelled this for me right away so it wouldn't happen again. I sent in my form asking for an EXPEDITED refund of my mortgage payment since it pulled twice. This was pulled back on 2/27. I sent the form in on 3/2. Here we are now on 3/14 and it STILL has not been refunded. Terrible customer service as I emailed for an update.... They told me I need to call them for an update. You would think they could pick up the phone and tell me when it will be processed since I asked TWICE for an expedited refund.


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We purchased a new home November 2020 and our loan was sold to Flagstar Bank before we could even make our first payment. We have not been late on any of our payments on this mortgage or the mortgage we hold on our other property with Wells Fargo. Today I get a phone call from the Flagstar Bank collections department wanting to know if I had made my mortgage payment yet. Our credit scores are over 700 and we have a 16 day grace period as with all standard home mortgages. I have never in my 27 years as a home owner with a mortgage had a lender call me to collect my payment while still in the grace period. I found the phone call to be harassing and insulting. We will be refinancing my mortgage even if it means paying a higher interest rate.


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We have been working on a refinance with them since October 2020. Our original mortgage was sold to them and they contacted us saying they could refinance it at a lower rate. We have supplied statements, paystubs, two appraisals, all documents. They have asked for the same things countless times. One time they asked why we had a large deposit every month in our checking account. I told them that was when I deposited my paycheck... Now we have done everything necessary and no response from emails, phone call lately. By their own schedule, we should have closed the loan two months ago. A little communication saying what their plans are would go along way. I am regretting being this patient with them this long.


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I've been a Flagstar customer for over ten years and the past year has been the worst ever. They put a hold on my account and told me I had until Thursday to come in. I checked my account and they've returned all my deposits to senders. Now all my bills have late fees and they closed my account for no reason. I really think it's this branch I go to since I've moved. They seem very racist. WORST BANK EVER!


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Missed 1 payment due to cancer situation. Then covid19. This bank could have cared less. Due to no exception allowed, I could not get them to remove 1 late payment to restructure my finances to keep from destroying my credit history. They didnt care and now I am in a finance collapse due to their horrible business practices. 1 missed payment after several years. Just shameful. Would not recommend them to anyone!


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Horrible experience with refi attempt. This was my existing mortgage company so I figured I would stay with them but they couldn’t seem to get my paper work or financial information correctly entered. They were completely unresponsive and inaccessible. Terrible company. Strongly recommend looking elsewhere for mortgage needs. This company will waste your time.


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My loan was (sold) transferred to Flagstar Bank, which for me was not a big deal because I pay my mortgage early most months and by law these companies have the right to do so. So, for me it does not matter who collects my monthly payments. The company that originally had my loan was excellent and had awesome customer service. Upon receiving my notice of transfer I called the number on the notice to let them know I never received a notice from my original loan company and the gentleman who answered the phone hung up in my face while I was trying to explain that I wanted to know what was the next steps.


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Flagstar purchased my loan and my escrow account has been messed up ever since. First they did not pay my fire insurance then they paid it twice. I have trying to get it fixed for 8 weeks and instead of someone looking at the account and making the adjustments they are holding my January payment until I cover the amount of the insurance payment THEY made in error.  Now they show me 30 days late with my mortgage payment when they have my payment. They should not be allowed to treat people like this!


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First time ever doing a review for anything online, but felt I had to based on my experience with Flagstar. Based on the reviews I am seeing, this is a common theme. Had an issue when I refinanced, Flagstar sold my loan to another company when it should not have. Many other issues behind this and to be fair not all of which was on Flagstar in this regard. Called Flagstar, spent an entire morning on the phone, they created a case number, said they would look into it, said if I had not heard anything in a week to call them back. Did not hear anything for a week, called them back. The person who I talked to said there was nothing in their system, and did not have any updates. They said there was a note to have a resolution by tomorrow, and asked for me to call back.


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Deceitful management at FlagStar Bank, horrendous customer support and they don't even know how to keep a ledger balanced. Avoid this bank at all costs or you will regret it. When they purchased my mortgage the paperwork was screwed up (which they admitted to me in writing as being their fault) and they ended up sending me to collections despite the fact that I have paid in full each month, and have provided the receipts to prove it. Not only that, for one of the payments they double charged me and they couldn't send the extra money back.


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I refinanced with Flagstar Bank recently and my first payment was due November 1, 2020. I’ve made three payments for November, December and January. All three payments have all posted to my Flagstar account timely. Flagstar began leaving me messages in late November requesting that I call back “today” but gave only a main number, where I spent 45 minutes getting through, only to be told it did not say on my account why I should call back. I began receiving past due statements, as well as collection letters. In more than 8 different calls to Flagstar, no one can explain why I owe any money.


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I attempted to work with the Flagstar loss claim department for over a year regarding releasing my insurance proceeds. After responding to each reason Flagstar gave for not being able to release my funds, I was given another roadblock. None of my questions were answered and repairs due to Hurricane Michael have been delayed. My insurance proceeds exceed my loan balance and the only solution was to pay off the mortgage and find other resources for financing. I've been attempting to pay off my loan since the 1st of November 2020. Flagstar will not give me any information regarding the lumpsum payoff amount I was given.


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Updated on 07/11/2021: My insurance company reimbursed me for costs incurred from the building code retrofit and upgrade and sent me a check for $27,700. It also had Flagstar's name on it requiring me to submit it to them. I sent it in a FedEx Overnight envelope with a PREPAID return label hoping to expedite the process because I have already been through 2 rainy seasons without my home and I am fast approaching a 3rd so time is critical.  I have furnished Loss Drafts Department with the receipts for the $40,000 that I spent from the check that Flagstar's Financial Crimes Unit sent me and the $15,000 that my former contractor bond company sent to me, I have furnished a draw schedule, estimate of repairs and details for each draw for upcoming repairs, and finally, I sent a copy of the building permit with the passed inspections for the roof... All of this is proof that I am more than qualified and can be trusted to complete my project. 


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For 10 years I have been divorced and have been trying to get my name removed from the mortgage that my ex was awarded 100% of all encumbers in our divorce decree. Flagstar has done nothing but give me the runaround. He has a year and a half of late payments, which show on my credit and I have no rights to do anything. He finally gets Flagstar to modify the loan and he and I were both told that I would be removed with the modification. Our divorce papers were provided, I was deeded off of the property and yet they didn't remove me. However, they modified the loan without my authorization. 


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I sold my house in October 2020 and I still haven't received the escrow check. For the past 2 months I called several times about this issue and each time today, I received the run around. Today when I called, Terry in the escrow department hung up on me after I asked to speak to a manager. I called back and have been on hold for 10 minutes. What is going on with this company?


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Service is horrible. They admit to misdirecting a $30000.00 payment on 12/9/2020. they are currently holding the money in "suspense". They are now saying that they will apply the money by the 5th of January. In the interim they have drawn an additional payment from my bank causing me to incur overdraft fees. They wont consider refunding the additional payment (which should never have been drawn) until they redirect the $30000. They then are saying it will take 20 business days to issue the refund! I recognize anyone can make a mistake - the way you respond to it differentiates reputable institutions vs. the ones who take advantage of customers whom they know have no recourse.


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I had a 15-year mortgage loan with Flagstar (the bank?) for about 8 years. Just like other clients, I did not choose this bank; the loan was sold to the bank when we refinanced our mortgage. With the recent interest rates drop, we refinanced again. After the Flagstar loan was paid off, the bank took a monthly payment from my bank account (another bank) on Nov 3, 2020. I immediately called (chat?) the bank and asked for the money back. The 1st agent said a refund check would be cut on Nov. 20. I wasn't happy with the response because another bank reconciled my loan on the very next day. I decided to wait because I wasn't in need of cash. But the check didn't come. So I called (chat) again around the end of Nov. The next agent told me that the check would be cut in the same week. I waited for it but the check did not come. I called the bank again on 12/8(?) and the 3rd agent said the check would be cut on 12/11.


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Our loan got sold to them 9-2020---I sent them our tax bill because our county does not. It is up to us to do that--they paid our 1st installment but not the 2nd. Called 2 weeks ago-they said it would be taken care of--was not---our name was in the paper for not paying them--how embarrassing--so I sent the 2nd installment out of my own pocket-because they keep charging interest--we are going to do a refi--I do not trust this bank!!!! They lied to us and did not pay---now we are in the paper--shame on them and we had to pay extra $$


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This has by far been the worst Mortgage Company that I have ever worked with. I Have called them 5 times requesting refinance information after they sent me a letter in the mail. Two different people told me two very different things and the last guy I spoke with was very rude and aggressive with me. I even told him that I would move my Mortgage from them and he could not care any less. I will be moving my mortgage and am very disappointed in this bank and hope I never have to work with them again. Think twice before working with these guys. I still have yet to receive a follow up email with quotes that I requested 3 weeks ago.


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Flagstar services our mortgage and escrows homeowners insurance payments. It failed to pay our homeowners policy, resulting in cancellation and now wants to charge us 2x for the policy that was cancelled. We've made many unsuccessful attempts to resolve this issue, so today have filed a complaint with the Massachusetts Attorney General. Stay away from this company if you can.


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Worst mortgage company ever. Loss Draft DPT does not trust its customers. Over 2 years ago my home was damaged during a hail storm. I did everything that was required of me to get my home repaired. Mind you, it was a long process. I had to fire the contractor (did not finish the repairs) and hire another contractor. I paid said contractor out of my own pocket. Flagstar knew this, yet still wrote check to FIRED contractor. I requested a new check in writing as required by Flagstar. That was 3 months ago. Crickets from Flagstar. CRICKETS!!! Wait, I'm giving crickets a bad wrap. They communicate better than Flagstar. 


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The loss draft department of Flagstar Bank has offered horrible service in administering the return of more than $1,000 that is owed to me. I first contacted Adam at ** more than a month ago in which he assured me that there was an error in how paperwork was categorized and I would receive my check in approximately a week. After the week had passed, I then followed up again, with an agent who I did not get their name, who provided a similar account. 


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My mortgage was sold without my knowledge to Flagstar. Was first made aware of this when a person without a strong command of the English language knocked on my door and wanted to talk about my loan. It was clear they were looking to verify if someone was living here and gain as much intel about the people living here and the condition of their asset. This happens monthly.


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They bought my mortgage loan and as with any buyout like that you have 60 days from the time it’s bought as a grace period for no late fees or credit reports. I made my payment to my current mortgage company not knowing the loan had been purchased. I then received a couple of letters from Flagstar telling me my payment was late. So I called them to learn they had bought my mortgage and my payment would now go to them. So here I am being threatened by some bank I’ve never heard of with late fees and credit reports even though I’m within the 60 day window as they shared. The reason they gave to me for the threat was my payment increased but I had no record of that from my previous lender.


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If only I could rate this dump a zero.... Let me start by saying our loan originator was amazing to work with. As far as his leadership staff and the underwriter, they were nonetheless a complete nightmare to work with (or should I say lack thereof). We initially started the re-fi process on July 23rd, 2020, they stated we were to close on August 21st, 2021.. then October 21st, 2021. Today is 10/22 and still no word of an exact closing date.


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They slapped lenders' insurance on my account (had insurance the entire time) without informing me, therefore adding late fees and now has ruined my high credit score. They said they could not do anything about the fees after talking to numerous agents since September.... Horrible loan company. The worst I've ever had to deal with. Can't wait to switch!


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So I just had my mortgage purchased/transferred to this company. I had already been working with my previous lender to close (i.e. payoff) the mortgage next (November) month. Property taxes are October and didn't want to mess with that as I live overseas. I would wait till this year's taxes are paid from escrow. Well the letter from Flagstar shows up and I see all these fees - Payoff quote fee, Recording/Lien lease fee, doc preparation fee, amortization fee (fee to see how your loan amortized?). 


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CENLAR sold my mortgage to Flagstar without my knowledge. I was only one month behind and working to get it brought up to current. Flagstar started calling and harassing me every single day even after having spoken to multiple customer service reps and explaining the situation. Then I get a letter stating I could go into possible foreclosure because they had in their system that I was 3 months behind on my mortgage which is completely incorrect! I have no idea how they have such screwed up information. I'm finally caught up but when I log in, it still states that I owe 2 months mortgage! 


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I have been going through the refinance process for 6+ months and contacted multiple people at Flagstar but it's still incomplete. Reading through this thread I am seeing others endure the same experience. General feedback is 'Your application is being prioritized', 'COVID has slowed all applications', 'We're working on it and it'll be completed soon.' It's a painful, frustrating experience...


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We have our mortgage thru Flagstar Bank since 2012. Our homeowner's insurance and property taxes are included in our mortgage payment. Flagstar bank sends the payments from our escrow account when the payments are due. Our homeowner's insurance was sent by Flagstar on July 21, 2020. The homeowner's insurance company sent us a letter that stated that they never received the payment and that our insurance was going to cancel. I immediately called Flagstar bank and was told by Flagstar that the payment was sent and they would straighten out the problem with the insurance company.


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I wish there was an option for zero stars. My mortgage was sold to Flagstar without my permission. I didn't knowingly opt into a company that I'd never heard of. I recently paid down my mortgage to 80%. By all standards, I shouldn't be required to still pay PMI insurance. I have an excellent payment history, still maintain a high credit score, yet Flagstar refuses to remove the PMI payment. This is not a company that cares about people. Their only concern is putting every dollar possible in their own pockets. Look elsewhere for a mortgage. I promise, you can find better.


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I've been trying to refinance my home since July 21, 2020. We are now at October 5, and I STILL have not received clearance from their underwriting team to close. 76 days so far. I keep getting told it's because of COVID and that they are backed up. I don't know about the rest of the world, but I am pretty tired of hearing that COVID is to blame for everything. Here's an idea... How about you hire more people to help with the influx of loans you're processing????


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Flagstar bank's customer service is very poor. I had a financial hardship last year, and not only did they not call when they said they were going to, it became my fault. I was never informed the paperwork I had submitted was wrong and needed fixing, and every time I called it would be a few days for them to finish reviewing the paperwork. I called multiple times, and eventually due to the negligence of Flagstar the date expired for the maximum length to finish paperwork. Flagstar apologized and asked me to go through the whole process again. There is no way I would submit myself to 6 weeks of embarrassment that was deemed in the end to be "my fault", and with no guarantees that I would get my hardship recognized.


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What an ordeal! Started reamortization process with bank in July. Could not get approval for loan reamortization because the loan was not current, mind you, we have set up automatic payments with this bank and it is always paid on the 10th every month. Finally get approval for process to start after they receive this payment. Send the bank a large sum of certified funds August 7. They receive funds and cash check for bank fee of $300. late in August we still have not received approval.


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I thought I knew incompetence, but the word has now been redefined after attempting to deal with this company. Our original mortgage was sold to Flagstar Bank and things were fine as far as just paying our mortgage. Setting up the automatic payments, and manipulating them was simple and straight forward. We were contacted by a loan officer during Covid 19 to discuss possibly refinancing our mortgage. Rates were good, we had just done a full-blown kitchen renovation and thought this was a good opportunity to get rid of the PMI we had on our mortgage... So we started the refinancing process. 


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I've had my mortgage serviced by Flagstar for several years. I've never missed a payment and have not had a problem till I decided to refinance my mortgage to get a lower rate. My mortgage payment has automatically been deducted from my bank account each month and includes the payment for my homeowner's insurance.


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I found out the hard way not to trust an online bank to get a mortgage. We paid out of pocket 520.00 for a guy to come to our home on labor day to do an appraisal. He left off rooms in our home such as a huge walk in master closet that is a big selling point for a house and even our vinyl fence and compared our home to houses with no land or houses 3 times older than ours. He was NOT chosen by us but either by summit mortgage who we went through or Flagstar who they were representing and so appraised our house cheaper than it was worth, then tried to sell us into doing a interest only to be able to make our home improvements. This was a 520.00 hard lesson learned. Beware. Plus, the appraiser refused to discuss with me even though I was the one that paid him.


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They are the worst wholesale mortgage company in the world. They do not answer calls, emails, or any form of communication. Worst lender ever. We have tried for days and days to reach anyone on the loan and there is no one there.


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Most of the mortgage paperwork was completed via emails. Some items had to be sent via USPS. Process was quick compared to the average loan closings.  Once closed I never hear from them. I would think they would stay in touch. Never know when I will need another loan.


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Getting a loan from Flagstar is one of the most difficult things ever, and It takes forever to get things done. The loan officer has been asking same questions and request same documents over and over again even though we have explained or submitted several times. When we just started application, my husband is on the loan himself, and down payment came from my account. Both of us are on the title. The loan officer was informed and all bank statements are provided at beginning, and there was no problem at all. Then after a month (like 10 days before closing date), we were told that my money is not usable unless I become a co-borrower. Why couldn’t you tell us sooner if the initial plan does not work out?


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PLEASE FLAGSTAR get new phone reps!!! I have repeatedly had an escrow shortage from this company since 2018. My homeowners insurance was higher than normal October 2018 - Flagstar bank bought my loan from Chase mortgage in December 2018. I LOWERED my insurance yet all of my statements show the higher insurance premium when in actuality I technically only used 2 months of the higher premium before switching to the lower one. I have called on NUMEROUS occasions and ASIA is the rudest one of all. I spoke to her today trying to get an explanation as to why I changed my insurance to a 400$ cheaper one but I'm in a shortage of 561.32$ and per IL law you are only required to have a buffer of 2 months max and that comes to 499.66.


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I started to provide my loan documents at least two months ago and finally came at the stage of ordering an appraisal. The appraisal was done at least 10 days ago and the report has not come out, but I am supposed to close within 10 days. What a nightmare!


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RUN! RUN and find someone else to handle your financing. I have had the absolute worst experience with these people. They are shady, charge all kinds of unnecessary fees, do not follow up and lie. Sandy ** who is mentioned in another review thinks you work for him. He will do nothing, try to justify costs that you question or avoid them, basically identical to the other review. I should have run the day I called because I asked him to write up an estimate showing me different payment options with buying points, etc. He said he was "too busy to do that". TOO BUSY TO HELP A PROSPECT. 


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I recently decided to refinance my home. For weeks I have been unable to get hold of Flagstar by phone, chat or email. I made about a dozen phone calls over a week; about half were ended by Flagstar after several minutes on hold with a statement that I should leave a message. Other times I stayed on hold for up to 45 minutes with no answer then I chose to leave a message. They don't call back. When you select "chat", you find that nobody is available. They don't have an email address posted on their website. In frustration I sent a snail mail letter to the CEO requesting that someone contact me. I got an email reply from one of their admins thanking me for the letter as it would help them improve - nobody contacted me. An awful awful bank. DO NOT USE FLAGSTAR if you ever want to communicate with your banker.


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I have an existing mortgage with this Company and trying to finish a refinance, I have had nightmare more pleasant than this process. I completely understand and I am sensitive to the fact this is a weird and crazy time. However, it isn't an excuse to treat your customers poorly. Here is my experience: The start of the process was super quick. I received my appraisal back and was getting ready for my final approval and closing within 45 days. Then the processors were sending the title work to the title companies incorrect emails address and it was sent back 3 times. I called the title company and was able to resolve the issue. Get the information to the title company and they finish the process within 3 days. I am guessing this upset the bank, they don't enjoy speed. The longer they could keep my paying the higher interest rate they are putting more money in their pockets, I am worth more at a 5% Interest rate at 30 years than I am at 2.6 at 15 years.


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I was hospitalized for over 1 month, INCAPACITATED and was 15 days late on 1 payment. I sent several faxes to their dispute department and STILL have not heard 1 word back. WOW, I am shocked at the level carelessness Flagstar Bank has for physically ill customers. Not to mention I'm a NYC healthcare worker and have been traveling to work DAILY. Thanks for nothing Flagstar.


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Flagstar does something that I feel puts the lives of their account holders at risk. They will shut off your access to funds without contacting you. I had my access to my account shut off this weekend for "security reason". The issue, I tried to buy some subs from Jersey Mikes online. Ridiculous!!! No one contacted me. They just froze my account and let me figure it out on my own. What if I was at a bar or restaurant where you have to pay after the service. What if I was traveling alone and need gas in the middle of nowhere. They cut off my access to money and just assume I'll figure it out and call them on Monday. This is a horrible policy and should be ended. I am done with this bank because I have no confidence when I step up to pay for something that they haven't locked my out of my account.


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This is going to be a LONG review but I want to be sure y'all understand who this company is! Run, fast and far as you possibly can for you and your family's own good! This company is nothing but scum!! Here we go... My husband D (shorten named not important) is a Veteran of the United States Marine Corp. Nov. 2017 we closed on our first home we built together from the ground up. Shortly after closing on the house we were sold to this horrific company (and horrific is being mild!). Everything was going well. No issues at all. Until our daughter started having weird medical problems, we could not figure it out. Hospital trip after trip (via the 911 Ambulance), ER visit after visit. We finally know now what was going on with her, but in this process we got 1 month (THAT IS RIGHT 1 MONTH BEHIND). 


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Home was paid off in full last month but much to my dismay, Flagstar received another full mortgage payment this month. Spoke to Marie who stated that Michelle had made an error and had never disclosed that I had used my escrow balance to pay towards the total amount due. Marie spoke to cash ops and requested that I receive a same day wire transfer and it was approved. Much to my dismay, no money was actually deposited in on Friday and now it’s Monday, and still no money has been wired in. This company is terrible and I want my money back ASAP. Very infuriated and upset at how this company operates. Keeping money that is clearly not theirs and stating that I owed money still.


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I am extremely unhappy and frustrated with Flagstar, our mortgage lender. They changed my loan status to forbearance completely without my permission. I was shocked when I received a letter stating my mortgage was in forbearance. I called them right away, 3/31/20 and explained that this was some kind of mistake. I wrote down the name of the person I spoke with and everything he said. He assured me he would take care of it and take me out of forbearance. I just figured people make mistakes, so I let it go. However, I noticed a couple weeks ago, June 2020, while paying my bill online, that my loan status still said FORBEARANCE. I could not believe that this was not taken care of in March when I called, as I was told! So I called again, talked with a supervisor, John, on 6/22/20, who assured me that he would send me a letter stating this was Flagstar's mistake, I never authorized a forbearance. 


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We started the process pretty standard. Then after all was processed in a couple of weeks we waited 2 months to close! Kept requesting documents already sent, loan disclosure was incorrect multiple times with missing $$ amounts, would say via email they would call to schedule closing in a few days. This went on for 2 months! Meanwhile we paid 2 mortgages and interest! Closing day came and no documents to sign. The notary tried to call Flagstar document person (LaDora **) and got no response. The same woman never returned my calls the entire process as well.


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Our mortgage was sold to Flagstar bank, so we have a current mortgage held by Flagstar. When mortgage rates dropped we contacted them to see if we could refinance our current mortgage and also a second property. Initial conversation with Tami **, loan officer was good. She was very friendly. We set up our refinance portal and provided the required documents. Communication and return responses deteriorated soon after the initial conversation. We were told to use the portal inbox for any questions. Our questions were either ignored or it would take a week to get a response. We called and left voice messages and our calls would not be returned. 


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I am furious! They bought my loan after my re-fi and they didn't pay my homeowners insurance. I got notice from Shelter that is was past due. I called Flagstar on Monday June 22,2020 and the agent promised that the payment would be sent and received by Shelter by the 25th. So Friday, June 26th 2020 my agent called to let me know that the grace period had passed and I was no longer covered. Fortunately I had enough money in my account to pay for one month. Mind you, this is in the middle of a pandemic when money is short, Storm and hail season and people in the neighborhood are shooting off fireworks from dusk till dawn. I called Flagstar and the agent was nonchalant, unsympathetic and rude. I wasn't speaking to her in a rude manner or anything like that. She said it would take 7 to 10 days to reach them. If I can make a payment for my mortgage online in 1 minute, why can't they do that instead of snail mail. Avoid this company!!!!


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I cannot contact them. Every time I call I get lost in an endless automated phone system. Regardless of the time of day I call or the options in the automated system I choose I either hit a dead end or get hung up on. If I try to use the chat system it either errors out or says "Agents unavailable". They don't list an email address. I may end up having an account maintenance conversation with them via postal mail.


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I applied for a refinance with my current mortgage lender, Flagstar Bank, where my loan had been sold 2 months prior. The folks I spoke with for the application and processing were certainly kind and I was pleased with the rate and cost. From that point forward I provided all requested documentation and was amply qualified with high credit score, assets, loan to value and excellent debt ratio. I was conditionally approved. Then I provided additional documentation and fell into some lender black hole. I was delayed, not responded to, basically ignored for the last 3 weeks of the 60 day lock while the "Lender" was to blame. 


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It took 5 MONTHS to complete the refinance. Enough said. From an outside perspective, it seemed that underwriting was the black hole that poisoned the process. The loan originator was awesome. As soon as he handed the application off, the process quickly deteriorated. The loan processors seemed unable to drive the process to completion and were at the mercy of underwriting. However, there were times that they also dropped the ball. In sum, the process was a hot mess - completely unprofessional and unacceptable by any measure. We've been through a lot of mortgage origination and refinancing transactions and this was, by far, our worst experience in 30 years of financing homes. Never again.


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In my opinion this lending institution could do better when it comes to training. Call 1 - go online and pay off balance, it’s that easy. Call 2 - we had interest over the time the payment posted. Call 3 - that’s not our process, payoffs need to be wired. Call 4 - more interest. Call 5 - that’s not our process, they need to notify the loan payoff dept (the option selected each time in their call in system). Call 6, escalated to 3 different reps and I’m still unsure of the results. With the above, I simply can not recommend Flagstar.


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I have nothing positive to say about the Loss Draft Department! My home was damaged from Hurricane Florence in Sept. 2018. Unfortunately my Mortgage was sold to Flagstar January 2019. It has been a nightmare trying to get issues resolved with this department. I am trying to get money disbursed to my Licensed Contractor. Flagstar received $156,566.70 from USAA insurance company. I have spent HOURS on the phone with customer service! I never receive call backs from Supervisors and Never receive response to my emails!


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My mortgage was sold to Flagstar almost two years ago. Their online platform is great to work with, but the employees can't get it together. Flagstar was supposed to renew my hazard insurance from my escrow account. I sent them the documentation for renewal in February. They didn't renew it. I called and sent it again in March. They didn't renew it. My insurance was canceled. I called again at the beginning of April after they threatened to buy me insurance for over $1,900 (my policy cost $127).


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I never signed up to go through Flagstar. We were sold to them. Never late on a payment. Then during the COVID-19 pandemic. We had sustained severe wind damage to our home. They were the worst company to do business with during these difficult times. Every time I called and wanted to speak to a supervisor, they claimed they were in meetings for 3 hrs. Would never call back. I already received my insurance check, but to get our home fix to prevent further damage they were unwilling to help. DO NOT HAVE USE THEM BEWARE.


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Had an insurance claim this past January. Had to wait for months due to covid19. Finally got a check from insurance to make repairs. Had to send it to Flagstar. 7 different agents, no one had the same answers. Still have no answers. Horrible experience.


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Complete incompetence. I would follow their directions explicitly for forms and payments. I would speak to customer agents who had no clue of their own rules. I would have to prove things to them over and over. In the end, I was successful but I truly believe it is all part of making things difficult so you just give up. Run away from Flagstar. Their mail is obviously backdated. My mail reached them in two days - theirs averaged over 12 days.


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Flagstar took over servicing of my new home loan. I made my first payment to the original lender, as directed, for April 2020. Flagstar apparently purchased the loan the same day (March 31) my original lender cashed my April payment. Flagstar now refuses to provide a credit for the payment already made. I spent more time then I would like to admit dealing with these people yesterday. When they left me a telephone message today, I naively believed they'd be letting me know they made the proper adjustment. WRONG! It was a collection call stating that today was my last day to make my April payment without a late fee. I hung up on them. It sickens me I will be dealing with this company for years to come.


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Flagstar Bank purchased our loan from SLS. During the transfer we attempted to make our first payment to Flagstar. We were not able to because our account was not set up yet so that the payment was not late. We sent it to SLS. Needless to say Flagstar insists that we are a month behind. I have sent documentation on top of documentation only to hear, "We have not received it." So every month is a battle with them when we make our payments.


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My mortgage transferred to Flagstar in December 2019. We were enrolled in biweekly payments with our previous lender. We enrolled in the same program with Flagstar. We received a confirmation letter from Flagstar regarding our ACH withdraw. No payments were withdrawn as we expected. Upon calling Flagstar, we were informed that due to the changeover, we were no longer a month ahead on our payments. This is required to make bi-weekly payments. We were told we had to pay the full mortgage for January (which we did) and another full payment by February 15th, at which time our payment would be automatically withdrawn. 


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We refinanced with Flagstar in 2010 and it was a wonderful experience. They came to our home for the settlement. The payment automatically comes out of our checking account bi-weekly, which allows us to pay the mortgage off sooner. We have never had a problem with this company, no problem with lost payments, misapplied payments, etc. I would highly recommend them.


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Easy application process, good interest rate. Easy to use phone system. Auto pay is easy to set up as well. Very competitive with other mortgage companies. I would recommend this company to others. Everyone is very polite and helpful if you have any questions or problems with your loan. Great people to work with.


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Issue #1: Flagstar initially wouldn't even close on our loan because the chimney needed repairs, but due to the cold weather you can't do concrete work in the middle of winter in MN. It took several phone calls, inspections, proof of EVERYTHING to get past that. Issue #2: The seller escrowed thousands of dollars to get the chimney repairs done when the weather permitted. We had the repairs done asap, and Flagstar would not release the funds and pay the contractor. I lost count of the number of phone calls, emails, etc. and how much time I wasted talking to Flagstar, but it got to the point that the contractor was sending our bill to collections. I had to ask my local bank to contact their Flagstar rep to look into the situation.


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Flagstar purchased our loan just after closing. My home was post to Hurricane Florence in 2018. My payoff check was sent to loss department at the beginning of 2019. In December of 2019, we requested a payoff of the loan since the home was a complete loss and there was not enough coverage to rebuild. We have had MULTIPLE conversations requesting the payoff be completed. We continue to receive the excuse that the payoff will be expedited by a supervisor. It is now the end of February and after another phone call today we are considering hiring a lawyer since Flagstar can’t seem to understand that they have the money to pay off the loan and they are still giving the excuse that a supervisor will expedite the payoff. Enough! My credit report is being affected and this situation is continuing. Lawyer time!! These people are absolutely HORRIBLE. I didn’t even ask for them to be the mortgage serviced. My loan was sold to them!


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My mortgage loan was recently sold to them. I have tried on 3 separate occasions to set up autopay. They have some convoluted reasoning for when this can be set up. You can not just set it up, you have to wait for a certain time frame in relation to your next due date to do so. I ended up with a late fee after the payment was not processed through autopay which I’d set up. I set it up again, double checking everything only to find out again, this month, it has not gone through. My mortgage payment is number one priority. I’ve never been late on a rent or mortgage payment. 


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My mortgage has been sold 3 times in the past 3 years. Flagstar was the 3rd. Right from the get-go I started receiving collection calls asking me for my personal information. The agents there are rude and disconnected. They could give two sticks about you or your complaints. Recently separated from my spouse, I was struggling to keep afloat, and right in the middle of a Loss Mitigation claim, Cenlar sold it to Flagstar bank. They took over my loan in December, and unbeknownst to me, was set to foreclose in January! I had to get my VA Mortgage Rep to stop the foreclosure and auction that was scheduled to take place in 4 days! They made me pay over $5000 in lawyer fees and penalties along with 11 months of mortgage payments! Over $16,000 I was made to come up with in 10 days! Did I let them take my house? Hell no! I came up with the money, (I have great In-laws and friends) and got my house out of foreclosure.


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Flagstar Bank charged $30 to email, fax or text a document to customers or other businesses. No other mortgage company has ever charged for this seevice. I had no choice as my mortgage was sold to them. This should be illegal. They are gouging the customer. When you talk to the customer service they will not help the customer. Only say what the costs are. This is an impossible company to work with. Get away from this company as soon as possible.


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Flagstar purchased my loan. I did not ever ask to do business with them. Flagstar requires that I pay them every month and a portion of my monthly payments are placed in escrow to pay property taxes and homeowners insurance. In June 2019, I changed homeowners insurance carriers. In June 2019, I contacted Flagstar and instructed them specifically not to pay the renewal of the Federated National policy and instead to pay the new carrier St. John's. They acknowledged receipt of my instruction and assured me they would not pay Federated, and that I had given them more than sufficient notice for them to comply with my instructions. Nevertheless, Flagstar disbursed from my escrow account contrary to my explicit and clear instructions and paid both Federated and St. John's, causing a huge shortage in my escrow account.


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My mortgage with Flagstar Bank has been paid on time since first approved in April, 2019. The past 3 months, I have dutifully paid strictly within the grace period, only to find my very excellent credit score (in the 800's) reduced by 100 points as my payments are branded as delinquent. NOTHING HAS BEEN PAID PAST 30 THE DAYS DUE, THEREFORE NOTHING IS DELINQUENT yet it's scarred my credit report and dramatically reduced my FICO score. I believe it's illegal to flag my payments delinquent when no 30 days past due. I will never do business with this bank again and regret the day I signed on with them!


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This was feedback that I just was submitting to Flagsar live chat... but I think it works pretty well as a review here. You guys have a great website, and seem on the surface to be a very professional company... but you have so many mistakes in customer service.


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We were selling our home in Long Island and the buyers chose FlagStar as their lender. Due to negligence and incompetence on the lender's part it took over three months from date of contract to date of closing. Lender asked for three extensions in order to finish paperwork. Twice they advised that closing documents were going out and both times this was not the case as documents were never sent. Closing date was given and the day before lender advised all parties that the loan had not yet cleared underwriting. As a result closing was postponed. After repeated inquiries the buyer's attorney was told that paperwork was being held up because the loan officer had been out sick and nothing had been done with the file. It was only after repeated inquiries that after three months we finally got a closing date. We would never recommend this financial institution. We feel they were grossly incompetent and unprofessional in the handling of this mortgage.


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First of all my mortgage was purchased by these monsters and I was never notified, no goodbye from one company and no welcome letter from the other. I was so surprised when I started getting collection calls from this strange company that told me they would record that I am difficult and uncooperative. I was like, "And who the heck are you??? What is this? Collection call for and you just took over my loan without even introducing yourself." Well I ended up telling Mr. rude and nasty that I was going to contact the Attorney General and see if something can't be done about the horrible way this company does business. As a first time homeowner I am terrified that this could be happening to all of these people.


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This is an atrocious lender. Quicken sold my mortgage to this bank. These folks, on their own, decided to increase my mortgage to reflect their expected increase in my property tax, for 2020. They decided I would get an increase in property tax and just pegged that $130 additional to my loan payment. My property taxes went down dramatically. In effect these people are insisting on $550 more per month than my actual taxes. I did the running around to go get that tax bill from my township. Something that I believe the lender should have to do. I shared that property tax bill with the Flagstar property tax department. They contacted me: asking me to clarify who I was. (I sent an official bill, from my documented email address, with my address, lot number, and name.) What do you do with that?


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My mortgage was bought by Flagstar. During the transfer, there was an issue with my escrow disbursement and some money went missing (long story short). I've been contacting them for about 17 days now and every time I call them, I'm told a different story on the pending process. First I was told it would take 5 business days, then 7, and now 10. It's been a couple of days past the 10-day mark and they provide zero insight on the progress, other than "its still in progress". Every single person I have spoke to at Flagstar have done nothing more than the bare minimum in regards to customer service. I question why they even have this department if they don't train these individuals to do their job.


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Shortly after closing on my mortgage, my bank sold the loan to Flagstar. From the get-go, I've had problems. First, they blamed my local bank because they couldn't get withdraw the payment. Then they blamed a software upgrade, then they blamed me saying I gave them the wrong routing number and when I told them that's public information and even IF I did give them the wrong number (which I didn't), they changed their tune and said it was because I gave them the wrong account number. Yeah, I've only been a customer at that bank for 31 years and suddenly I don't know my account number. So the payment ended up being late and they charged me a $75 late fee. Then gave me a confirmation number. 


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Flagstar purchased my loan and 4 days later I sold the home. The title company sent the money to the old bank and they routed it to Flagstar. After 30 days and about 25 call's the money was found and posted to my account at Flagstar. I was told many times by Flagstar that they were posting the payoff as the date received by the old provider. Well once all was said and done, they posted it 20 days later and I am out almost 1k in daily interest. They said I could not have been told about posting of funds on the date received by the old provider. I have names and dates, but they are not listening. I would never use them or recommend them. These people are modern day thieves and there is no options for the victims. I hope President Trump is watching these people.


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July of this year our mortgage was transferred to Flagstar Bank and on September 11th I received a letter in the mail stating we were in an AE Flood Zone which required insurance and that I needed to show proof of insurance, or contact FEMA for a LOMAR letter. Immediately I contacted Flagstar Bank and explained that we were not in a flood zone and could send them over documentation (Appraisal, Flood Determination etc.). The representative said that they wouldn’t accept it, but I could, and to contact FEMA, which I did immediately after hanging up with her. FEMA told me to go online and fill out my information and upload documentation and said it will take up to 60 days.


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I saved .5% if I agreed to an automated clearing house (ACH) account. It was seemingly impossible to get money into this account, even with the supplied debit card and numerous calls to customer service. Flagstar reported me to Chex systems for account abuse. They should report themselves and their own bad advice. I WANT to make my payment, but had so many false assurances that hurt me and can actually ruin me financially. I thought I was alone, this is happening! This is bank fraud! I had a FICO score of 827 and nearly $200,000 in the bank at the time. I was happy to make my payment. This stinks, it stinks bad!


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Literally the worst bank ever. A multitude of issues that ranged from not being able to deposit a check over $1000.00 from my husband's employer to not being able to cash a cashier's check that was from their bank. I finally decided to end my relationship with them. I closed my account in early November but just received a letter in the mail that my closed account was “temporarily reopened” early December (more than 30 days after it was closed) to allow a transaction that I did not authorize to occur. To add insult to injury they charged me $36.00 for my account being overdrawn. Stay far away from this place.


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Why would you CALL ME to discuss my loan application only to tell me all loan officers are busy helping other applicants, then put me on hold, then tell me you don’t have a loan officer available to talk to me then never call me back? Totally unprofessional.


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They took over my mortgage and it’s been hell ever since. I had one rough month and could only pay half my mortgage payment... They never applied it to my account for several months. I continued to make my regular monthly payments and still continued to get harassed about the missed payment. I explained the partial payment and told them I would have the other half at tax season...couple months away. Instead they continued to harass me. Mailed my partial payment back and took service charges from the amount I paid. They had me do a mediation which lowered my payment and got me back on track however that lasted like 3 months because the morons didn’t calculate escrow and insurance which put me in a shortage and now to make it up my payment is higher. And god forbid if you're one day over the first of the month making the payment. They will leave nasty voicemails about collecting a debt. Hate this company.


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Our mortgage was recently transferred to Flagstar Bank. Just tried to discuss mortgage with a representative and was told she had to speak to my husband. We have had a joint mortgage for over 50 years as it was set up and never have I had to put my husband on the phone to access my account. Do they not know this is 2019? We are in our seventies and now they dare tell me it’s his account.


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Flag Star Bank was unable to find my last mortgage payment $2420 so we received phone call from Collection Department. After 45 minutes conversation they understood mistake and recognize my payment in mortgage section. What bank is it who is losing $2420 from file? Garbage!!! FlagStar purchased my mortgage 3 months ago and is charging us more than previous bank but it is illegal.


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I needed Flagstar to endorse an insurance check for a replaced roof on my old house that I am selling. I paid extra to mail it quickly with a self addressed return envelope with tracking so that I could get the check to the roofing company before the closing date on my old house. Several weeks went by and I began getting nervous wondering why I hadn’t received the endorsed check. So I called, and after four phone calls, learned that they had received the check, but didn’t endorse it bc they didn’t have verification from my insurance company (that I was not told that they needed when I called to make sure I was mailing them everything correctly). 


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I was easily given a pre-approval letter. I was initially told that I would not have to put any money down. After weeks of runaround, I asked how much do I need for a down payment? Again, constant runaround without real answers. The closing date passed. I had to immediately seek an alternative lender who very rapidly approved the loan. Flag star bank took a 550.00 appraisal fee without working to approve the loan. I still have NOT received a refund. They also want you to send personal information via text which resulted in my identity being stolen. AVOID LIke the PLAGUE!!


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I did not choose this bank. When we bought our house our first had to be through them and a heloc. I am in Calif and there are no Flagstar banks here so everything must be done online. Our first was sold to another company but our heloc remains. First they made us set up a checking acct with them so the heloc could be auto paid from that account. So everything I do has to be online. Every time I try to log in to their website it tells me my password is wrong. I always write down my passwords. I have had to change it every time I log on because it does not recognize for some reason.. Also in order to fund my checking account there I need to transfer funds from my bank here to them.


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I get a letter from my mortgage company that they sold my mortgage to these people. I call the number they gave me to set up payments. Automated system says hit 1 if you received a letter your mortgage was sold. I hit 1. Asks for old loan number and last 4 SS. I put it in, over and over. Finally hit zero. Zero. Zero. Etc. Lady comes on and I tell her it's saying my loan and SS doesn't match. "Okay, Mam. Well we don't have your loan until 12/1." I said, OK but how do I set up my payment due on December 1? "We don't have your loan until 12/1 mam." I say Okay, but my payment is due on 12/1 and the letter says call to set up. The lady is louder. "Mam. I told you we don't have your loan until 12/1. It's not 12/1 mam. Call back after 12/1. Got that. After 12/1." Rude, rude, rude. OMG. What horrible customer service! This may be a good time to refinance!


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First, I did not choose this bank nor will I ever. Our loans was purchased by this terrible bank. It starts back when I got an insurance check for my room to be fixed. The check most be signed by the bank that has the mortgage and that would be Flagstar for us. So I send the check off and the paper work needed for a check of a fairly low amount. After, over TWO WEEKS I get the check returned UNSIGNED and a packet to fill out including a request for a notary. I call them and after a twenty minute wait I get someone who then after ten minutes says I don't need to fill this packet out since it is under a certain amount, just like read online. This process goes on for over two months before they finally signed the check and got it back to me so I could get the repairs to my roof done. 


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My Umpqua loan was recently purchased by Flagstar. I have never missed a payment in my life. You immediately start getting calls from the flagstar collections department after the transfer. How insulting. Not appreciated Alessandro P. DiNello - this is bad, thoughtless, careless business and not appreciated!! Patrick **


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I have been disrespected, treated rudely, threatened with legal action, forced to sign a document under duress, literally lied to and harassed by the Bank Manager of the Brighton Flagstar bank. I received a call at 2pm and was told I had to come sign a document by 6pm or legal action would be taken. I was given no time to contact my lawyer. They also accepted supposedly legal documents without any follow-up. And - they would tell me one thing and then the next time tell me something else. They also will not tell you who their legal person/department is so, your lawyer can't contact their lawyer. Please - do not use this bank!!


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I got charged $15 for no reason, I made the payment as usual on autopay. My mortgage is $5128 and they keep sending me to the collection department. I have a 783 credit score. I'm not ** up my credit for $15. I wonder why I'm refinancing with Chase Bank.


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I like to round up and partial pay my $1956 mortgage into $1000 payments every two weeks when I get paid. Flagstar does not accept partial payments. What bank can't accept a partial payment? Ludicrous. Wish my previous mortgage company never sold off my home loan to a company who can not get with the times and accept partial payments.


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We have now had a short sale request with Flagstar since Nov. 2018. Multiple buyers have come and gone. The last offer sent in 2 months ago along with updated UBAF. I have requested the file to be escalated. Was told they will get back in 48 hours? I have asked a Manager call back. ZERO CALLS in 6 request. Today I was transferred 4 times, CS, Collections, back to CS and back to collections. I am on the phone right now and each time the same thing. Yet no manager is available. Once again no new updates. I asked what was the last updates, transferred again. Do they fall under any CFPB guidelines? Are their calls monitored? THIS IS A JOKE. I would be more detailed, but all I need to do is listen to the phone call. Filing a complaint with CFPB is next step.


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Flagstar bought our mortgage loan during the process of a home insurance claim. The repairs are complete and I'm trying to get the insurance funds released to me, but the service is among the worst I've ever experienced. Every step in the process takes weeks. They won't call me back, they said they are inbound call center only and it's my responsibility to call every day and check status. Then they say they are waiting for some documentation they never asked me for. When I email something in, I finally learned to ask for confirmation, which they do, and say they'll follow up with status, which they never do. Today, after two months of back and forth, I finally asked for a supervisor and they said they'll put me on a call back list and I should expect a call within 2 business days. Ridiculous.


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Check the BBB reviews! DO NOT DO BUSINESS WITH THIS COMPANY! They are so bad they don't even deserve 1 star. On-going issue that I have spent 4-5 months trying get resolved. Each phone call last an average of 45 minutes, every time they say, "Call back in a few days to check on the status" and every time I call back, they say, "There are no notes in our record!" All because they purchased a flood insurance policy on our property even though I sent in all the proper documentation multiple times showing that we are NOT in a SFHA. I even poke to a manager who claimed she was escalating the issue so it would be resolved promptly but when I called back, NO RECORD of the conversation. 


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In June 2018 I had hail damage to my roofs through the winter and spring. I had all of my roof repairs done, paid all my contractors in full, provided all the receipts and all the paperwork including release of liens. Documentation was submitted over three months ago. Every time I call asking for my money I get a different answer but the best answer I got was their representative claiming he doesn’t understand why they have not released my money in full because all my paperwork is there. Needless to say that still is not resolved, they haven’t sent me any money. As I told him, "Are you stealing my money because it’s not your money, it’s my money and I want my money." He says he understands but there’s no answer other than the same guy that says I should have my money, understands my frustration, but I still get no results.


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Incompetent, dishonest, shady all these words could be replaced in the dictionary with “Flagstar”. After being a loyal customer for nearly 20 years I was treated like trash when one of their tellers withdrew money from their GL account instead of my own like I requested. It took them a month to realize their mistake, then they tried to charge me overdraft fees. After I was forced to take an unpaid day from work and waste gas to straighten the mess they created I was met with a rude soulless golem of a branch manager in Canton MI who not once apologized for their mistake. You’re better off burning your money than letting these incompetent arrogant unapologetic crooks handle it.


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Returning from vacation we found 3 inches of water on the 1st floor. It only took EIGHT DAYS for the cleanup crew to remove drywall, hardwood and dry out the house, Our insurance agent did an assessment and we had a check in hand to start repairs all within 8 days! I sent the check to Flagstar for endorsement Aug. 27th using two day overnight mail. A week later Sept 6th the check is still sitting in their mail room unopened. By the time the check is logged deposited and funds sent to the contractor it may be another Two weeks. As we are in a hotel, Flagstar's lack luster performance really needs a makeover. I understand back procedures but when Flagstar's own procedures/people bog down the process for its customers, we have a problem. Regards, John **


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I was told by several customer service representatives that as long as I had made deposits to my account (especially in person vs mobile) that I would not receive NSF charges as long as the balance met the debits applied. Yesterday I had enough money in the account to cover 3 charges that were pending to come through. I even had a pending ACH deposit show up yesterday. Flagstar still charged me 3 NSF fees even though with the $200 available they were showing would cover 2 of the 3. I can see why Flagstar has an overall rating of 1 out 5 stars! Their "craft" that they promote on the commercial is to scam their customers out of fees!


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Very unhappy customer from Flagstar. So many hidden charges and they take money out of your account without telling you. Flagstar is a Scam. I do not recommend this bank to anyone! When I was switched over to this bank I had problems from the start.


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I am a disabled Veteran and was attempting to ReFi my home to do some remodeling. I worked with them for five months while my contractors waited patiently. They were unable to help due to a misreporting on my credit report. So I turned to another lender and what Flagstar could not do in five months the new lender did in five days. When I came to transferring the VA inspection report Flagstar refused to release it to the new lender out of spite and it took them nine days to tell me even that. POOR POOR customer service. Owned by Wells Fargo. Still up their old tricks. You can change your name yet behind the door it's still business as usual. That will also end my business banking relationship with Wells Fargo.


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I used to like Flagstar. I thought they were so nice and helpful... But as soon as I refinanced my loan (for monetary reasons), things changed. Per RESPA guidelines, my escrow money is due back to me within 30 days of loan payoff. The payoff was finalized on June 24th, but here it is: August 26th and still no money. I've called and called and called. They told me that the check was sent out on July 9th, but I never received it. You'd think that they'd rush on a stop payment and reissue of the check, given that I called weeks ago. Yet nothing was re-issued. There has been no action on their part except for a bunch of "we'll escalate this to our payment department" replies. We're 62 days out - it was owed to me at 30!


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I purchased my home in 2017 and have had nothing but troubles with Flagstar. They have missed several escrow payments. I lost my house insurance briefly since they did not pay the bill. They also overcharged my taxes by several thousand dollars. This made my monthly payment drastically increase. I had to not only take the time to send them my actual tax bill, but then they made me pay the overly increased bill because it was 'already sent'. They also have yet to remove the late fee from this error. I would not recommend this mortgage company.


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We got the misfortune of having our loan transferred over to Flagstar Bank from Cenlar shortly after our house burnt down in the summer of 2018. We had already sent in our insurance money and had started the claim process with Cenlar before being transferred over to Flagstar bank, it took 2 weeks for Flagstar Bank to show that they had our funds and an additional week to receive their claim packet so we could start the gruesome task of getting all the forms filled out and returned so we could receive our first drawl.


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Liars, crooks and thieves who stole my property tax escrow. Don’t do business with these scumbags. They took over my loan from CENLAR who are even bigger crooks. CENLAR put my escrow to the wrong lot number for 4 years, sold my loan to Flagstar and now the bank is charging me extra every month to make up for the escrow shortage they took from CENLAR.


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We can never log on to pay our bill. The site has literally been down every single time I have tried to log in for over a month and of course no one is available to answer anything at all. We got transferred to them from Amerifirst, now we regret getting them since it led to this terrible company.


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Terrible customer service. I was transferred from Wells Fargo, continually charged fees and told that I needed to "zero my account" before I could close them. The only overdraft is from their fees. I paid nearly $60 in fees. Tried to close by writing a letter (never ever have had to do this with any other bank), only to be told another $15 was charged in fees. I feel like I am in a nightmare that won't end. Do NOT do business with this bank.


