Regions Bank

I purchased a 3-year CD about 2 years ago. I was offered a free checking account which would get me a better rate. I was assured several times it was free and for about 18 months, it was. I opened the free account with a small amount of money only to get the better rate. I recently became aware that Regions is charging me a monthly fee of $18 which will take 86% of the interest I would have earned on the CD. It's a great scam they have going. The branch I open the account with, closed shortly after I opened the account/bought the CD and now, the nearest branch is about a hundred miles away. I think I will file a lawsuit locally not that I can win, but to make these scammers spend more on me defending it than they received from taking it from my account.

On 5/13/2012, I had 2 charges on my account that I did not make. I called Regions first thing on Monday, 5/14/2012, to notify them that I did not make these charges. They said the best thing to do is cancel my bank card so I did. The rep also told me it would take up to 10 days to receive the money back once I filled out the dispute charge forms. The rep told me they would fax them over to me. I waited 3 days for the fax. I called back on 5/16 to file another claim for the second charge that was pending. Now, this rep told me it would about 24 to 48 hours before I receive the fax form to dispute this claim.

I called back again today to find out why I had not received the first form. The rep told me they do not have a way to fax customers anything. It would be mailed to me or I could take my time and go to a branch, and the branch would file the claim. This bank Regions does not even have a dispute department that customers can talk to. All other banks have a dispute department. Also, if the customer has fraudulent charges appear on their account, the bank closes the bank card and refunds all charges back into the customer's account within 24 hours! Not Regions, they are probably the ones that made these charges in the first place! Bunch of thieves!

On 5/2/12, a Regions Bank official waived giving their waivers to me. Marshall said they were embezzling out of my account, and I told them to stop. They would not. Regions Bank officials, stop being malicious at me. Stop embezzling out of my account and pay me my compensation fees now.

Regions Bank requested a copy of our flood insurance on a mortgage, which we sent them within one week. We subsequently received two more letters requesting the insurance, after which we called each time and were assured that they had our insurance and the matter was taken care of. Finally, we received a letter that they added $4,600 to our loan for a lender-based policy. I called again and they blamed a previous processor and said it would take 30 to 45 days to correct. Because I had already spoken to several people, I asked for confirmation in writing that they had our insurance and that they would fix it. They refused to give me anything in writing. I don't trust any business that will not confirm in writing what they tell me on the phone.

We have been very dissatisfied with Regions Bank for several years. Beginning with changes after each time they were acquired by another entity. Increased checking account fees, longer holds on check deposits, poor customer service, and a revolving door of branch managers caused us to decide to close our checking, attached line of credit, and savings accounts. Branch manager unsuccessfully closed the accounts and neglected to inform my husband of balance due at signing to close the accounts. I walked away feeling that he had accomplished the task of closing all accounts.

I received a notice one month later that we were late paying the account. I re-visited branch. Once again, branch manager no longer worked there and no record of line of credit closing. I requested full due amount and paid account to date plus the additional accrued fees. Bank rep again failed to properly close account. I received notice of bank filing paid 30 days late on account with Equifax monthly monitoring in the midst of a residential refinance. Our credit scores dropped 68 points in one night landing us a different interest rate bracket. I disputed through Equifax and disputed with Regions management who actually closed account, I hope. Regions is working to correct, but it will take 30 days or more for our credit scores to reflect the corrections made to our file with no guarantee if they will return to what they were, pure bank error. Damage done! Credit scores at lowest point in years will be what finance company will use for refinance to take advantage of current low interest rates.

They deducted the fees and held my money for over 5 business days before agreeing to look closer at the inadvertent NSF activity. Terrible branch manager and operations administration! Do not bank with them. You'll be sorry.

I also have had problems with Regions on debiting monies out of my daughters account twice. My daughter kept telling me and finally I happen to audit her account and noticed that pending transactions can be on an account for several days. However, if you add all of your pending transactions and subtract it from your ledger balance, it will give you an available balance according to Regions but the next day, some of those same pending transactions could still be pending. The trick here is Regions also counts them in that days totals as well, which means you've been charged twice sometimes three times.

I approached Regions about that and like many of you, I dealt with horrible customer service as well. Finally, I contacted a Mr. ** at the main branch but only after speaking with a pleasant, yet unknowledgeable, young lady Ava. She couldn't explain why charges were seen twice. I'm sure you've all been told something about the "merchant having 80 days to take their money". However, it's always reflected in your balance and pending authorizations.

Well, after complaining and no one being able to explain why pending authorizations that were shown on one day's total also showing on the 2nd day's total and having cleared, I awoke the next day showing a deposit in the amount of the difference from those pending authorizations. This leads me to believe Regions is aware they are pilfering funds from consumer's account. You just have to be aware. In the meanwhile, I've begun to audit my daughter's account and will figure out just how much has been taken.

If you want to file a complaint, you may do so by contacting the Federal Reserve, www.federalreserveconsumerhelp.gov or by telephone, Federal Deposit Insurance Corporation at (877) 275-3342. Also, you may contact Consumer Financial Protection Bureau at (855) 411-2372. The Consumer Financial Protection Bureau (CFPB) will first begin to handle credit card related complaints involving large banks (those with assets of $10 billion or more). Consumers can contact the CFPB via telephone (855-411-2372) or via the CFPB website (http://www.consumerfinance.gov). I hope this is able to help anyone who has thought something was aloof but couldn't quite figure it out.

I wanted to help my daughter out, so I opened an account online. She is in one state, and I am in another state. I opened an account online and deposited their required $50. Five minutes later, it was revealed that we would have to be in the same branch in the same state. So I immediately called to cancel the request to open a checking account, since we would not be in the same state anytime soon. They charged a $25 closure fee to close the account I just opened five minutes earlier. Wow, $25 for five minutes of "screw you." Oh well, my own fault for not researching a little more! But beware, they are fee happy!

My balance was slightly negative for over 10 days. I took care of it last Friday in cash plus extra. Now my check written to the utility company for $150 against an available balance of $187 is going to bounce because my account is "no post". No warnings about this when I made my deposit in cash 3 days ago. I have had it with Regions and their loopholes and fees. I am closing my account and I hope they go out of business.

I looked at my account a couple days ago and realized that I had just enough to cover a check that I had outstanding, so I did not bother to transfer any funds (because I get charged for that too). The next day, I saw that the check had cleared and there was 2 smaller transactions that cleared along with it and my account was overdrawn by $8.64. That's fine because I know that I cannot be charged for debit card transactions that go over because of my "opt out" of that feature. Fast forward 2 days. I looked at my account because I got an email that my account was overdrawn. I noticed that they have returned the check from 3 days ago. I called and asked why and she told me that because I had some items pending, my balance on that day was not correct when they put the check through. What? That was the balance I saw on the screen, with no pending transactions.

Now all of a sudden, there are pending transactions that won't let my check clear after it showed in their system that there was nothing stopping it from clearing. I was included in the Bank of America class action suit and I am ready to start one with this bank. I am so pissed at financial institutions that feel like they can do this to hard working consumers. I just think we will have to go back to hiding our money in our mattresses.

I am overdrawn by $133. This is due to an NSF OD fee of $72.00 that was charged to my account on Friday. Also, on Friday, I withdrew $100 from the bank (after 4 pm, so it's still pending). The bottom line is that checks clear and the ledger balance afterwards is still positive; yet at the end of the day, I am still charged an OD fee. And it's not considered a bank error even though I still have a positive balance. They are telling me they are seeing things that I can't see; but as the account holder, I should be able to see anything that has to do with my account, especially when a fee is about to be incurred. The customer service rep did not want to reverse the charge because they said they've already done that for me in the past. Something doesn't sound right with that and the rep was giggling about it in the background instead of being helpful. I am so furious right now. After reading the previous complaints, it seems that I am not alone.

I contacted the office this morning concerning $144 in NSF OD Fees for four transactions which the monies were in my account and reflected on the online statement. I was told by both Tina ** and her associate, Ebony, I should not review the balance on the online statement because it isn't accurate, which isn't correct. The transactions are $9.42, $10.10, $11.54, and $12.09. Sufficient monies were in my account to cover those expenses. The online statement confirmed after the transactions cleared. My balance was $114.42. I had pending transactions, which as they explained, as long as a deposit is made I will not be charged the fees because they are pending and did not post to the account. I explained to them why am I being charged for fees on transactions that cleared my account. I was given many different reasons, all which did not address the issue. They would not admit to their error and told me I could discontinue my relationship with them.

I have had a problem in the past with Regions, which they acknowledged and credited my account. I think the practices they have are unfair. My direct deposit was sufficient enough to cover all transactions, including all pending transaction processed by their cutoff of 4 pm. I had one transaction I conducted after business hours which was to be credited the next business day which they did not and then informed me it is pending and therefore could not count against me. Yet, all my items cleared and I was charges excessive fees without merit. I have a copy of the transaction and I will be more than happy to forward that information for review.

Everything started on 2/21/2012 at 7:00 pm when I did a deposit of $1410.00 from the ATM in the bank from Mofet Rd. in Semmes, Al. That money was sent from my father-in-law to my husband because they want him to buy plain tickets to come and help us watch our kits into. I go for training in North Carolina for 4 days and my husband goes to work. I am doing this because we are not from here. We are from Puerto Rico and we don't have family here and we have no people in this town. When I purchased the plain tickets on 2/22/2012 and the 23rd I got am email that my debit card was declined. I call the travel agency and they tried for the second time and was declined again. I went to the bank next day the 24th and I asked for somebody to help me and that lady came without presenting their seve and start speaking with my English-Hispanic accent. She starts saying that my account was closed the 22nd because I didn't deposit anything in 30 days. The account was in -$8.57and she can't insure that my money is going to be able today not even Monday.

I asked her if I can talk to the manager; she told me she is the manager with bad attitude and there's noting she can't do because everything has to be researched from Birmingham, Al. I asked her then, "Can you please call Birmingham?" She told me there is noting she can do because she has to do it by internet with bad attitude. I got mad and stood up. I went out and my husband saw me mad and he asked me. I told him and he told me that probably she didn't understand you. Let me go in and he walk in and she was making jokes in the other desk; he asked her, "Please can you make that call?" She denied and got mad and said, "I told your wife there's nothing I can do and wait for the call when the money is available." My husband told her, If I bring the news here, what are you going to do?" And we walked away. We went to a former work partner with my husband. She knows better English than us. I asked her to help us with this problem and she fined the phone number from Regions Bank in Birmingham, Al.

We explained the problem and they keep passing us to upper management and that's what I want her to do, just call and do the job she's supposed to do and talk to three different people. I have their names and they told me my money was going to be Monday in the bank and I have the option to pick it up in the bank or get by mail. I told her I was going to pick it up in the bank and that was the agreement with the main office and one hour later the manager from Semmes called me and told me, "Don't come to the bank; you're going to get the money by mail and it was going to take five working days," with attitude and then hang up with no apologies. I felt discriminated like she doesn't want Hispanic in the bank. Now I don't want no more bank account with Regions Bank and that's the bank that help you how to build your future.

I tried closing my account on December 30, 2011 but had two pending transactions. One a transfer of $20 from my checking to my savings and the other an $11.83 card transaction to the local Hardees. The reason I was canceling my account is that on December 29th I could not access my paycheck deposit because my account had gone to a zero balance and had been closed. I had to wait 24 hr to have access to my money. On the 30th I drove the 20 minutes to the local branch and tried to withdraw the money and close the account but was told I could not due to the pending transactions. I had them close my savings account at the time. On December 30th I left the bank with a balance of $11.83 to cover the pending transaction. On January 3rd my netflix account monthly fee along with the pending transaction were taken from my account. But they DID not take the pending transaction first (which would have left me at a zero balance and closed my account) instead they took the netflix putting me in a negative of $5.43 then the $11.83 pending transaction. Then charged me an nsf od fee on $72.

On January 13 the bank then DID an automatic transfer from my checking into the savings account I had closed. But returned only $18.00 to my account leaving me a negative balance on my checking of $71.25. I had been unable to cancel my va disability check for that month and let it pay for these charges. Then tried using my PayPal account to remove the remaining balance. But ended up with a remaining balance of $3.47 in my checking account. On February 7 I was charged a $10 monthly fee, something I had never been charged before, putting my account at a negative $6.53. On February 10 the bank again transferred $20 into a savings account that I had closed in December. Then charged me an nsf od fee of $36 for this privilege. Now the account I have tried to close out for two months is sitting at a negative balance of $62.53. This is bogus. These people are nothing but thieves. I am sick and tired of them taking my money. I have been trying to get my credit back on track but with a bank doing this sort of stuff how can one ever get right? I cannot afford to keep paying their bogus fees and keep my bills up to speed too. This is crazy. I cannot believe that the law allows this sort of thing to continue.

If you deposit more than $1,500 a month, you get charged $10 fee. Is this discrimination or what? $120 dollars per year, just to have an account! I'm going somewhere else where there is no separation of classes.

My brother was one month behind in an unsecured loan payment. They called night and day, 6 times in an hour and forty five minutes. He is trying to get his payments reduced and has provided all the paperwork they need for an unsecured loan. Yet, they call from the Birmingham head branch 3 times a week for more forms and have tried to get information on our home. Please remember, this is unsecured. Yesterday I had had enough and said I would give him the $128.18 to catch up. They still asked for worked numbers for him and if there was any income tax return they could get. Someone needs to look into these people and their business practices!

File this one under "Business Communication & CRM models that simply don't work in the age of Phishing and Identity Theft". I got a call from someone, who identifies themselves as being from Regions Bank, and that they would like to talk with me about a confidential matter about my account. But in order to discuss, I have to give personal information, such as address, SSN, account number, etc. to verify I'm the owner of the account. How do I verify you're who you say you are? Since it was "confidential," she said she couldn't even tell me what it was about. So being at a standstill, she said you can call the bank office, to ask about the nature of the call. So I said, "okay, thanks", and hung up. Thanks so much for interrupting me.

I waited in line for 25 minutes yesterday at Regions in order to deposit a check into my checking account. The line was backed up to the door, yet there were only two tellers to accommodate them. Only once did the bank manager step outsider her office, although it wasn't to help customers. She left her office to warm up her lunch. She actually walked by all the customers waiting in line, went behind the counter and didn't so much as acknowledge the people standing in line. She said something to one of the tellers and laughed, but that's all. And it's typical.

The main reason I'm posting this complaint here is because Regions doesn't even have an efficient way to file a complaint about customer service. I emailed Regions to ask how to file a complaint and their reply was that I could either go to a local branch and speak with the branch manager, or I could mail (not email, but mail) my complaint. Or fax it. Seriously. They don't even have a simple email address just for customer complaints, which speaks volumes to how little Regions actually cares about its customers.

This was the Regions Bank on the corner of State Street and Fortification in Jackson, MS. I want to be clear that the tellers were, as always, trying their best to get customers' needs met quickly and efficiently. But, in my experience, management at Regions has long been inept and indifferent to its customers. Having only one or two tellers, even at the busiest times, is the rule. Meanwhile management sits at desks and ignores the long lines and the needs of its customers and exasperated tellers. I will be closing my Regions account and moving my money to a local credit union.

Online banking showed my account with $50.00 on the 6th. On the 7th I made an e-check to pay a bill. It took my account to an overdrawn status. On the 8th my direct deposit brought my account to a positive balance. I thought everything was okay. On the 9th my account went back to negative, and in the same day the account appeared as if nothing ever happened! I was charged an NSF and the check was returned. The problem is; if online banking had stated that this info is not what was actually seen by the bank, I would not have relied on what I saw as accurate. Therefore, I would have called to get accurate info. I was then told after I have had an account with them for over 8 months that the online banking is just a tool and not accurate (why would I use something that is not accurate)!

Well, we had two business account in this bank. I opened them with Maria ** and Firjo, I think is his name. They called me and told me we had to close both accounts. No excuses. I'm very upset about it. I asked them why, of course no explanation. I told all my friends and business owners in Homestead and Florida City about this. They are all very upset and they are going to close the accounts also. I think they should close all Regions Bank in this area.

I have a loan with this bank. I believe they have been over charging interest and misappropriating my payments applying more to interest and less to principle than a normal amortization schedule. I have asked for detailed transaction reports from inception of the loan to date on more than 3 separate occasions via phone with customer service and have never received anything. They say it will take a week to process the report. I never see it. I call and they act like they do not know what I am talking about and then we go through the same procedure to get the report.

They are withholding this information illegally. I log online to the account and it does not tell me anything about the account. There is no way of getting any detailed information on this account there. It is almost as though they have intentionally designed the web interface to not show any detail. Can you help please?

This is not a complaint. I could not find anywhere to send a positive experience I had with Regions Bank this morning. I have had a number of great experiences with Regions Bank but this morning was exceptional. I went to the drive in at the Pace, FL bank. Nikki D. assisted me with my transaction. I just wanted to tell you she is such an asset to Regions bank and I wanted the home office to know what a great Regions Bank representative she is for you. She went above and beyond to help me. Please let her know that I advised you of my positive experience with her this morning. Thank you.

There's fee abuse with debit cards--what they charge and when. They suggested I keep a manual registry of all transactions to avoid these outrageous fees. According to my records of my downloads, I still had a balance until they charged $108 in overdraft fees on the 17th of January. A couple days later, my last debit card transaction for the 17th hit on the 19th--another fee of $36. No way to reason with them! Basically one transaction would have put in overdrawn status. Instead, I get screwed with fees. I am leaving this bank!

To sum it up, do believe they'll find any way to charge the consumer on debit transaction fees!

I have never experienced the embarrassment and harassment as I did yesterday with Lara at Regions Bank in Harrison, Arkansas. After making a deposit in checking and getting a balance in savings, I filled out a withdrawal slip to take out all but 100 dollars from savings in the drive thru. I was told because it was such a large amount to come in. After submitting my current driver's license and providing the last 4 of social, I was told by Lara that she didn't feel comfortable giving me my money. Now after 30 minutes of jumping through her hoops, she told me I couldn't get my money with proper ID and that the manager Tarry is out of the office. If I want my money, I must return at 3:00 to speak to him. At that point, I lost it and had a few choices of words for Lara.

Then, I left the bank and returned at 3:00, at which time I was told Tarry was out and not coming back. I called the police and told them to send someone over or there was going to be a problem. They came and ironically Tarry showed up too (imagine that). The bottom line is that I got my money yesterday and I will be closing my account within days.

I will make it my life's mission to tell this story to anyone who will listen forever. It was embarrassing and harassing. I was made to feel like a criminal and second rate citizen after years of being with Regions. This was over the top out of control drama. It seems like to me, Ms. Lara was in charge at the moment and got the big head and the red ** and decided to harass me. Shame on Lara, shame on Tarry, and shame on Regions Bank for employing such unprofessional, mean spirited people! My phone number is ** for anybody who wants to chat about this incident.

For over 20 years, we've had the same account with no trouble until August 2010 when my Regions debit card was stolen and used to make purchases. I canceled my card and Regions issued a new one and said the stolen charges would be dropped. They were, but they kept the overdraft charges the thief ran up on our account.

Getting those removed took 2 months of fighting. If that hadn't been a sign to stop using the bank our next problem is. We have been using their bill pay to make our car payments for over a year. Never had a problem until January when we got a call from our loan agent wondering where our payment was. I looked at our payments online and Regions said the payment had been posted and went through. So I called our loan agent back and told him there must be a mistake on his end because Regions showed the payment had gone through and that the loan company received it. He agreed to wait a couple days to see if it showed up.

On the third day he called us and said the payment hadn't come through. Then he accused us of lying and not paying. Of course, I got upset at this so I contacted Regions in person. They told me I had to call the problem in; they couldn't handle it in the office. So I called the 800 number and after being on hold for 20 minutes they told me they payment had been cancelled on their end and a paper check had been mailed instead and it would take 5-7 business days. Absolutely incredible.

No notification that our online payment hadn't gone through. No notification that they were instead sending a paper check. Luckily, we didn't get a late reporting from our loan agent who was nice enough to wait for the check. Never again. To be told I had to call for help instead of being helped in the branch, to not being notified of a canceled payment and not being notified a paper check was sent in lieu of an electronic payment, is a poor, pathetic business practice. We closed our account and opened one with a smaller family owned bank.

I had my debit card stopped from Regions Bank and had a new one sent to me. I went to see my online account today and found that my old card that I had reported stolen and received new card. That old card was used for $35.00 so I called customer service and she said my old card was still open and that everything that was being used on that card was transferred to my new card!

What the heck is going on here? I had my card stolen and Regions Bank tells me it is still open as my money is taken from old card. I need an attorney. I have never in my life 51 years seen that happen. When your card is reported stolen and then Regions Bank keeps it open so who ever can use it. I am ** off! Stay away from Regions Bank please, you will get bent over!

I started a new small business, ''R.K. Miceli Enterprise LLC'' and invested a lot of time and money into it. One of my old business partners referred me to Regions Bank Knoxville, TN. At first, everyone was angles and set up my account. I ordered my business checks and submitted my deposit. Not even a week later when I went into pick up my check card and checks, they had already shredded them and put my account on hold. I had no access to my cash deposit as they see it as a debit. They sent me a letter in the mail the day before they called me in to pick my things up. How professional. The letter said they were thinking of closing my account but couldn't tell me why. Of course, they couldn't.

One manager was very rude, Pam T at Regions Bank on Chapman hwy in Knoxville as were all the staff. Trust me, small business owners and those looking for a personal checking or savings, stay far away from Regions Banks and their affiliates. I still never got my cash deposit back yet and they wonder why the economy is down. If you can't get your business going, you can't hire. Regions would like everyone to be rich already or go apply for welfare. I bet I could get that. Thanks, Regions, for violating the FCRA. Happily, I moved on and have a great bank. I still want my cash deposit.

Regions banks does not treat its employees any better than it treats some of its customers. They continually make errors on employees payroll then expect the employee to give them a free loan on the money until they get it corrected. Which, if you are lucky takes two weeks until the next pay period. Also offer sick time days as benefits, then when you actually use them, you are told that they are there but not supposed to be really used. Have a report it line which can be called into anonymous if you like. Yet, when used anonymously I was called by the HR representative and told not to use it because" it clogs up the system to call them first." That too many people are using it.

Why would the HR representative call me if it was really anonymous? Also, after using it time off that was already on the schedule was then denied? When questioned about it was told by the corporate office that it definitely was not retaliating that Regions does not give time off without pay. Yet they had earlier in the year? So anyone thinking of becoming employed by Regions bank, think twice! They are not the kind of company they try to portray themselves to be.

I had a checking account with Regions Bank for nearly a decade. I had an unauthorized charge pending on my account, so I called regions to cancel the charge. They would not cancel the charge, until it cleared, so they could overdraft me for it. After the charge was contested and removed, they finally told me over the phone that they were refunding my overdraft charges, but they never did. I decided to close my account because of this. After I paid all their fees to zero my balance, I closed my account.

I called to confirm that my account was closed, and they told me it was. Several days later, they emailed me, saying that I had a negative balance. They decided to charge me $72.00 in ridiculous fees, on an account that had been closed with a zero balance. I had to pay them $72.00 more, and although the customer service rep I spoke with could not explain the charges, she said that she wasn't allowed to remove them. I closed my account for a second time, and even though I have switched banks, I have to log in to Regions everyday, to make sure they have not reopened my account again with a negative balance.

The guy at the bank called after I opened my acct. "to see how my acct. was and I was satisfied". He proceeded to tell me that maybe sometime our kids could have a play date or something. He knows I have a toddler and come to find out he has a twin. He was either being disgusting and shady or lying. I know other people that bank there and no one else got a call. His name is Paul ** and he is disgusting.