Regions Bank

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.

I've banked with Regions since 1998, and I've been generally satisfied. Recently, however, I was assessed $216 in overdraft fees as a result of the bank reordering my transactions from highest to lowest. I was charged six $36 overdraft fees. All but one of the transactions (the highest) would have cleared if they had processed them in the order they were actually transacted. Thus, I should have been charged only one fee.

Now, I'm not arguing that they should order the transactions from least to most; clearly, the most honest and fair practice would be to simply maintain the original order of the transactions. This business of rearranging the order of your purchases to intentionally trigger a series of fees should be illegal. It is clearly a predatory practice. I spoke with customer service and was advised that a fee will be charged when you use your debit card without the funds to cover the purchase.

Well, yes, that's obvious enough. The problem is that I did have the funds to cover almost all of the purchases. If the bank had cleared them in the order they posted, rather than in the order they chose. I spoke with someone in management who was equally condescending and unyielding. Mind you, my account is generally in good standing, and I've been a customer for almost fifteen years. I do not habitually overdraw my account; it's a very rare issue. I would be okay with having been charged one fee, but six is ridiculous. Unless the bank reverses this decision and refunds my money, I will close my account and go to a credit union. Bank of America just settled a $400 million dollar class-action lawsuit over this very issue.

I went and closed my account with Regions or so I thought I had my account closed. I was given all the money in my account except the amount for two pending transactions. I didn't get the information changed in time for an automatic withdraw and because Regions did not close my account as I had asked at the time, I removed my money due to the two pending transactions. They took the money for one pending transaction then the following Monday, took the automatic transaction, then the pending transaction. It was both in the same day but posted the auto before the pending so now instead of one NSF fee for the auto transaction, they have charged me two NSF fees, one for the auto and one for the pending which they had kept the money for.

These people are shysters and thieves. They do shady transactions and have no remorse or care. I understand that a bank is in business to make money but isn't it at all possible to do it without stealing from your customers? I have another bank account and have already transferred my direct deposits and all other automatic transactions to that account but now, I have this on my history and credit.

I hate the way Regions Bank conducts business and I hope that I can help keep someone else from falling into the same trap. The only reason I opened an account with them is because they have branches in most of the south and when we moved to SC from GA, my husband was commuting to and from ATL for his job for four hours. I felt it would be more convenient since Regions has branches all around Atlanta, but it was the biggest mistake I have ever made. Robins Federal Credit Union may not have branches all over the south but the ones they have are filled with people that seem to remember and know what customer service is. I have had an account with them for over eleven years (I never closed the account) and I have never once had an issue that they were not willing to work with me on.

I want to have my money handled by people I feel I can trust. I have no trust in Regions. In fact, I feel that I would be better off finding the local bookie to handle my money than Regions Bank.

We do not have an account with Regions nor have we ever had an account with said corporation. Regions had decided to overlook this fact and bombarded us with automated calls at all hours of the day demanding payment on our non-existent account. It was beyond the bounds of harassment. We received a minimum of 3 calls per day (that was the fewest received, usually, 5 and up), with no thoughts given to how late it might be. No action has been taken by Regions yet despite repeated contact to inform them of the oversight.

I truly have to wonder, if this is how poorly the company treats people they do not do business with, then how do they treat the ones that do. I sincerely hope it is with far more consideration and diplomacy.

After much dissatisfaction with my previous bank, I switched to Regions and I must say I was very pleased with my banking experience and customer service for about a year. And then, without warning, they changed the way that my checks/debits/etc were deducted from the account. It used to be that they were deducted in the order and date they were received, so I was never in question as to what my balance was. Now, they hold and group items together so that they can charge you multiple fees. And sometimes even charge you twice for the same item! I got too many surprises and fees that no one ever told me about.

Consequently, they have cost me greatly. I watch my account daily, usually, several times a day. I believe what they are doing is illegal. I have since opened another account elsewhere, and will eventually close this one out. One other thing that made me unhappy, I have a monthly bill drafted from my account, this past month the company mistakenly drafted the payment twice. They called the bank to have them stop the second draft or reverse it and the bank wouldn't talk to them and told them to contact me. Seriously?

The police was called on me yesterday, 12/28/2011, and I was escorted out of Regions Bank, Lowes Dr. Clarksville,Tn , because I did not want to pay a fee to cash their own Cashier's Check. I don't understand. What is a Cashier's Check if it isn't cash? I cannot believe that anyone would want to put their money in a bank like this. I have been in business in the Clarksville, Hopkinsville area for over 20 years and have never been treated that way before. Is this the way you would want your customers treated if you gave them a check? I do not feel that I acted in a way that I should have been embarrassed the way I was.

I am a large man and a biker and was dressed as such. I feel they thought I was some poor red-necked biker, and they could just take advantage of me.

I asked to speak to upper management and was told that I was talking to them. And then I was told that they were on vacation and never was shown in print who was who. I don't understand what a Cashier's Check is if it isn't cash. The Cashiers Check was drawn on Regions Bank. I could have understood if it had been a personal check of some sort. I was never shown in print where it was a policy to charge a fee to cash their own Cashier's Checks.

I had explained to them that I had drove quite a long distance to cash this check, and I didn't feel like it was right to charge me to cash their own Cashier's Check. I was never shown in print where that is their policy or how that they come about what to charge. When I first asked the lady what the charge was to cash the check she looked in the air and then just came up with a figure. Then they said I should take it to my bank and cash it.

I would like to see if there's a lawyer who would like to take my case, as I am ready to go to court over this.

I had a zero balance on my account after transferring money from my savings account so I would not be in the negative. They closed my account, then denied me access to my direct deposit until midnight the next day. It was embarrassing because I didn't find out till I was on my way to the grocery and stopped off for gas at which point my ATM card was declined. Had I been in the negative, my account would have remained open and I would have had access to my direct deposit.

On 12-16-11, I opened a new account with Regions. I previously had a joint account and was wishing to close this down and use the new account. My balance was $748 with 2 transactions pending. The employee stated she will remove the $748, the amount of the pending transactions and put into new account, stating that after the transactions cleared, I was to return to the bank and close the old account. On 12-19-11 at 1:00PM, I attempted to withdraw money from the new account stating "there is no money in that account". I'm on my lunch break and limited for time and needed use of my money. So I used the old account.

The first purchase was in the amount of $103. So on the same day, I used my card approximately 3 more times. On 12-20-11, the old account overdrawn x amount dollars. Chronologically, first is the $103, then the original $748 that was to be taken out on 12-16-11 followed by my other 3 transactions. Then followed by my "2 pending transactions" that from the previous week. Now, the original $103 that started the chain reaction of overdrafts in pending again. So currently, I'm $354.00 in my new account. I immediately withdrew all my money from the new amount. I was transferred to 5 different service reps on the phone requesting the overdraft charges to be replaced then I would pay my debit and make the account zero balance. I was offered a refund of $18.00.

First, the employee did not inform me that money deposited on 12-16-11 would not be available until 12-20-11. Second, Regions has now placed a "pending $354.00 deduction" on the person's new account that I previously had a joint account with. Regions has done this several times, i.e.changing deposit/debit dates and times to cause a chain reaction of overdrafts.

I have a Home Equity Line of Credit (HELOC) with Regions Bank which I have used for several years without encountering any problems. I recently deposited a HELOC check into my personal checking accountt at Bank of America (BA) to cover several automatic payments, one being my mortgage payment. Three business days later, I get several alerts from BA notifying me that I have insufficient funds to cover my withdrawals. After several phone calls to BA and to Regions Bank, I finally learn that Regions has placed a "block" on my HELOC due to "declining property values".

So, I am upset for the following reasons:

I was never told at "closing" that Regions could "nullify" my HELOC. Egad, why Mr. Regions, property values fell in 2009; so why do you now throw in your trump card? Also, Ms. Regions Bank, all property values have fallen from there highs; so, why do you assume that my property value has fallen any more than the rest of the country since 2009. If you were actually concerned about my property value, you would have "blocked" my HELOC two years ago. The St Johns Property Appraiser has conservatively appraised my property more than $400,000.00 more than my mortgage and my HELOC combined.

Regions never notified me of the "block" that they placed on my HELOC! How kind of Regions Bank. I guess that Regions placed me on "double secret probation".

Now, I am being charged over $200.00 in fees by BA and my mortgage holder. Gee, thanks Mr. Regions Bank. Why would I ever want to do business with Regions Bank again?

I check my balance every morning. On the 14th I showed a positive balance. On the 15th I made a deposit--an auto debit of $15 was posted to my account on the 15th and a charge of $72. There appears to be a difference in the bank's postings and those I see on my own screen. Their explanation: I was charged for transactions pending. I have accounts with other banks and this is not a common procedure. I think it rides a thin line of legal and certainly crosses one of good consumer relations.

I will close my account. I've been there for 20 years and they do not care the least!

Regions charged me $324 in NSF fees sending me account to negative $295.60 with everything clearing. Now I'm no banker but if you add the NSF fees back to my account, doesn't that put me in the clear with money to spare? Regions customer service reps said there isn't anything they can do about the fees even after doing the math.

I received this from Regions bank:

Please be aware that per your Customer Agreement, you agree not to use your account or bank services (such as this messaging system) for "activity that could in any way be considered offensive, harassing, defamatory, privacy invading, abusive, threatening, inflammatory, scandalous, harmful, vulgar, obscene or otherwise objectionable". Therefore, further continuance of offensive language may lead to repercussions such as your online banking enrollment being disabled up to account closure.

I wrote to tell them that I was pissed.

We had enough money to cover our charges and I also made a deposit to give us more cushion. We had two pending items. The bank held onto the deposit an extra day, took the pending charges out of our balance, then took out our processed charges and is now charging us $216 in NSF fees. The bank account was never at a negative balance. When I called to express my surprise, I was met with no compassion. Two different ladies tell me this has always been the way they did things and since they made a mistake two years ago and had to refund one NSF fee, I wasn't eligible for one now. Also, on our pay check direct deposits, they are now holding those as well. Even though our companies use a service specifically to tell the banks the money is there. Customer service does not exist at this bank. Are there any honest banks out there anymore? We are definitely looking to take our business else where. And we are out some much needed Christmas money!

I am a self-employed professional. I have banked with Regions previously and found myself their customer when they took over Amsouth bank several years ago. I too have found them to be absolutely intransigent when it comes to helping their customers with 'fees' they have stuck them with. I took a check from a client which I deposited into my checking account. The check was for $300. The check was returned about 4 days later and I didn't receive notice for several days after that. I went from a positive balance of $230 to a negative balance of $336, which eventually turned into a negative $640, all because of their fees. They charged me $36 for every transaction ranging from $1.05 to $38.

I had an over $800 swing in my account through no fault of my own! When I was a kid, if there was a problem at the bank, the president of the branch or manager would call my folks and advise them and afford them an opportunity to correct it. That was customer service. There is nothing remotely resembling customer service at Regions bank these days. I spoke to my branch manager who informed me that there was nothing they could do since it wasn't a bank error. So much for empathy. The person who wrote the check which was returned spoke to them and took responsibility and asked if they could waive the fees since it wasn't my fault. Same stoic helpless response: "Nothing we can do." They wouldn't even waive one of the charges since three months back when I did make a mistake and caused a negative balance; they refunded me half of a fee and acted like they were doing me a favor.

Now, this means I have used up my once a year 'courtesy' they extend to you as they rip you off with their banking practices. It is nothing but legalized theft. Regions bank as a business entity is corrupted with greed and avarice. They are not a customer-friendly enterprise. They are an ongoing criminal enterprise. I thought their rules forbade them from charging an NSF fee for items under $5.00. Pawnshops charge 300% interest and everyone agrees they're shady. What is $36 interest on a $1.05 transaction? When I am able to clear my balance soon, I will close my account with Regions and open one with Redstone Federal. My wife loves them and has never had a problem at all with them. If they had called I would have covered the returned deposit and saved myself around $500 in fees. Regions: you suck big time. Five stars worth.

My wife deposited her payroll check to this bank, a check they have cleared with ease at least a half dozen times. This time, after a few business days Regions decided that there "might" be a reason to hold the check for potential "problems." We deposited the check on Friday. A few checks cleared on Friday with no problem, then suddenly on Monday every transaction cleared but Regions said we had no funds available. They paid the checks and charged us NSF fees for multiple transactions. They took money from a bank account that supposedly had no money in it. The bank account was never at a negative balance.

So, apparently we had no money in an account with a healthy balance and they decided to take an extra $216 out of the account that did have a balance to pay our outstanding checks. We were never notified of this "problem" with the check and were pretty surprised to see our bank account with plenty of money being charged NSF fees. Customer service does not exist at this bank.

We are out $216 because Regions decided that a payroll check that has never given them a problem was a "potential" problem. We went the local bank branch and were told, "This is nobody's fault." But they have refused to give us the fees back. We will change banks as soon as possible.

I have banked with Regions since before they were Regions. I have always kept a good personal and business relationship with them. I had a check for $1395 clear my account yesterday and thought there was a charge that had cleared and would overdraft the account. My only concern was that the check be paid and I would accept the overdraft fee. When I called my bank and spoke with my banker, there she told me that the check had cleared and would not be returned.

This morning when I awoke and checked my account, the check had been returned even though it did not cause the overdraft! After 13 years, I am finished with this poor excuse for a bank. Regions bank has lost my business for good. I'm not a deadbeat who asks for a handout every day. I am a hard working, tax paying individual who goes out and does everything he can for his family every day and this is how I am treated. I was lied to by a bank employee but don't have it in writing so I'm sure they will just deny it. It always says calls are recorded but I'm sure this one will have been "lost." Thanks for nothing. Regions bank is the worst bunch of liars I have ever been associated with and have no desire to do business with them. Our 13 year banking relationship is over.

Well, regions just lost my business and those of my family members. This isn't about overdraft fees or that they took money out of my account the day I write a check. If you don't have money, don't spend it. Fair enough. What's not fair is the $10 monthly fee for what had been a free checking account for 14 years.

I am closing my account this week and have urged everyone I know to do the same (many still don't know about this fee. I only found out accidentally today. Was given no notice). If enough people refuse to accept this, maybe they will pull a BoA and get rid of the fee. Until then, I'm taking my money to First National.

I had a hold on my account $45.00 from AT&T. I had a 10 cent overdraft for which initially the bank charged $36.00. They said they can refund only $18 as I had a refund last week for $36.00. So in effect, I am still paying $18.00 for the 10 cent overdraft. As far as bank rules are concerned, they are not to charge me an overdraft fee if overdraft is less than $5.00. So I don't understand why, if the mistake is from the bank, they cannot refund the entire $36.00?

Regions is trying to take advantage to show profits from current year and is willing to charge and annoy all customers unless you are a big balance bank customer. They want to rid themselves of customer like myself who are terminally ill and unemployed.

My fiance decided that one of us needed to opt into overdraft protection in case of an emergency. Several days before our pay day we had an emergency and decided to go ahead an overdraft. She had several pending transactions for a few dollars each. The money had been taken out of her account, but not cleared. Then she used the card and purposely over drafted. However, when those pending charges were cleared, she got hit with a fee for all of them. Now when she gets paid, Regions will take almost all of it, leaving her in a situation where she won't have enough money for the week. We won't overdraft again; we'll close the account and live on pennies. But this is a good example of Regions preying on people who live paycheck-to-paycheck. Talk about scum of the banking world!

I have read the last several entries with people complaining of pending items overdrawing their account. Understand pending means the bank knows about it. if the bank knows about it and it isn't funds covered, that's hardly the banks fault. If you chose overdraft protection or not at the time the bank knows about it they are either going to charge overdraft protection fee or NSF fee.

You hear your son or daughter coming in after their curfew so you know they broke curfew but, when you get to their room they are there. Did they break curfew? Yes. Did you use funds that weren't covered? Yes. Pending isn't pending to the account. It is pending to the post, not pending from available or non available funds.

Update on the $10 monthly fee. It took my husband to go to the branch and have a talk with them and they finally did refund the $10 fee. Still closing the account before they come up with another reason to take our money and our account actually is a free account (student account) even after all the changes they made! So, they were wrong all along! Good bye Regions!

I enjoyed having my accounts with Regions up until just recently in October 2011 when they added the $10 monthly personal checking fee and $15 monthly business checking fee. I have both of these accounts with them because I am a small business owner. I am struggling to get by and this is my off season for my business. This means that I am not making money for several months. I had a little over a $2,000 balance for my personal account however, have hardly anything in my business account.

I contacted Regions Bank and asked if they would combine both balances so that I would avoid having to worry about the business checking fee. Their response was a generic 'sorry, nothing we can do'. I was charged $15 for not having enough in my business account. I am closing all accounts with them today because they were unwilling to work with me and because of the principal of the matter. I am switching to my local credit union. It is their loss. IMO, Regions is greedy and they are only helping the rich get richer and the poor small business owner, such as myself, get poorer.

I had a couple of checks that went through about an hour. Before I deposited my check by the next day, all my money was gone and I now have hot checks out. When I realized the bank took $342 dollars of my money, I closed my account. With my account closed, they took another $72 out. Now I'm in the negative with my account closed.

So Regions Bank was nice enough to refund the $4 debit card fee they charged last month just to turn around and now conveniently for them. They change the "rules" on our checking account and charge us a $10 monthly fee. When calling them to try to get it refunded, I was told that we already had a $5 fee refund back in February and they can only refund a fee once per year! Please note that the $5 fee back in February was refunded due to an error Regions had made on our newly opened account! Wow! Regions! Stealing from the poor to grow your own bottom line and calling it customer service!

Over the last couple of 4 months, Regions has charged me a $1,008 in NSF charges. What would have been a negative balance by $5.00, turns into $144 in fees, but often more. They debit your account in order of the highest charge, not in the order they actually came through. To compound that, they charge additional NSF fees once they add in your pending charges on ATM transactions. Last week, they charged me two days in a row & my account was still negative after my paycheck was deposited. Their continual charges have left me in a state of financial shock.

What is impossible to account for is how much they will charge you (based on the items they 'push' through 1st) & then trying to account for a much higher (negative) account than I could have ever anticipated. I get paid tomorrow but will still have literally, no money. I am already barely making it. I can't change banks right now because I cannot seem to get out of this loophole. I am broke. I have less money right now than I have ever had in my entire life.

I wish I could give -10 stars. Regions is very corrupt. I am behind on my loan payment and am having trouble meeting bills at the end of the month all the time. They took a double payment out of my brother's checking account, in which I am a signer on in case something happens to him. Now I have the burden of my financial ills falling on him. There was no notification and no nothing. And all they do is cite "rules" and "provisions". I will be so happy when I get them paid off and I can go to an institution that really cares for their customers.

Regions are a bunch of money hungry thieves. All I know is I went to sleep with a positive balance and got paid this morning but woke up with 10 overdraft charges. I went to the bank and they turned it around on me and gave me lecture on how banking works. They told me they run checks through on midnight and post on the previous day. That sounds crooked to me.

I would have given zero stars, if the system would let me. My husband used his debit card 2 buy a CD at a store, and the store linked 3 magazines 2 his card. I contacted the magazines, and the store, and they both told me it was not their problem, and that I needed to contact the other one. So, I went 2 the bank. I have been fighting for this since August, and every time, they said they never received the form. Now, they are saying that it has been over 60 days, so my claim has been denied. This has also cost me overdraft fees on all of the transactions.

Zero stars! I'm so sick of Regions. I have 3 accounts there and yesterday, made 7 deposits into them. One deposit is for $180 which went into the wrong account. That made the account that was supposed to get the funds goes red. With 6 or 7 small debit card purchases, each with a $39 fee tacked on! I know that this was my mistake. The manager at my store put the wrong account number on one of the deposit slips. I get that. But gees! Do they have to squeeze me for 230 something dollars? Now that the money is moved into the right account and I did it first thing this morning, the only reason I'm negative in that account is because of the bank fees.

I have banked with regions for over 2 years, but now I'm done. As soon as I can arrange it, I'm getting a new bank and they will not get another cent out of me. I started having my car insurance automatically withdraw from my account because it gives me a cheaper rate. Then go figure, I forgot about it. Well, I did not have enough to cover the insurance but I did have enough in there to cover everything else I had done. Now, I would have had no problem paying the overdraft fee and my insurance. My problem is they hit me for 6 more overdraft fees for a total of $216.00. Then on my bank statement, it cleared the six transactions in the positive and the part that pushed me into overdraft was the $216.00. Then they hit me for my insurance and another overdraft for over $300. So when my paycheck hit, they took most of it. When I got to the bank I was told that this is how things were done at all banks and I needed to keep up with my stuff better and there was nothing they could do or would do.

They are nothing but a bunch of thieves and I want my money back. But I promise they will not get another cent out of me. Just like everyone else. I work hard for my money and I wont just give it away to thieves. They do not deserve a star, they need devil horns!

I deposited my check on Friday, 11/04/2011, and went to get gas in Waller on Saturday morning but my card got declined. Then I went to 290 South to Cypress, TX to have lunch at Five Guys and got declined again. I'm closing my account with Regions Bank on Monday morning. Take your $5 plus $0.04 per ATM ACH.

Recently, Regions bank charged me $72 in overdraft fees when my account was never in overdraft. This is a new practice. They have never done this before. The only thing that made my account overdraft was the fee. My check went in the very next day to cover all other charges that were pending.

I wish you could give 0 stars but there isn't an option. I hate to give it a 1 which it doesn't deserve. I have had a few problems with this bank over the last several months. For instance, I went through the drive thru and deposited 3 checks. At the end of the next week, they debited my account for the amount of one of the checks, which in turn gave us several overdraft fees. They claim that I only deposited 2 checks, not 3. I must have been mistaken. When the teller takes your transaction shouldn't she look at the checks you're depositing to see if you have correctly written down and the amount correct? Not so, according to the branch bank manager. They look at what you have written down, then give you your receipt. What BS! Now they want to charge everyone $4 for using their debit card? I absolutely hate this bank. I am searching for another bank and as soon as I find one, it's adios.

Regions Bank has a rather peculiar way of posting debits and credits. I can go to my account, make sure everything is balanced - then somehow, Regions "reposts" my debits and credits so that I am overdrawn and they can charge overdraft fees. No matter how I argue or what I can show about their posting practice, it all comes back to being my fault "inaccurate record keeping". If my checkbook and my statement say I'm fine, how can it be that I am now overdrawn? By the way, on Forbes list of banks, best to worst, Regions ranks #72 out of 100 - no surprise there.

Regions, despite whatever malarkey an officer of the bank you talk to may tell you, charges overdraft fees on pending transactions.

This results in cases such as mine, where twice in the last 4 months I have paid overdraft fees (totaling $300-400) when the only thing that overdrew my account was the overdraft fees themselves; no transaction was posted that would have overdrawn the account. Except for the fees charged, the account never would have been overdrawn.

I have spoken to 3 different folks there who gave me 3 different brands of explanation before I finally spoke to an officer who had come to the joint Regions/AmSouth merger from the Regions side, who told me 'Yes, we charge overdraft fees on pending transactions now. Regions didn't before the merger, but now we do.' All the officers who came to the joint bank from the AmSouth side say '"we've always done it that way." Followed by some ridiculous explanation of why their accounting is correct. Each of the 3 I spoke to, flatly lied when I asked if they charged NSF fees on pending transactions and said 'no'. The first of those cost me an extra $200 in fees since I believed her, and thought I just didn't understand. Had she merely said 'yes', the second occurrence wouldn't have happened to me.

My complaint with Regions is their overdraft fee's and their way of calculating the pending and paid debits/credits. It always seems that we have to pay overdraft fees every 2 weeks. I went into the branch and complained about this to the manager. She stated that the way they work "their" calculation is by time stamp of the debit or credit charge. And if I didn't understand her, she could give my husband and I a lesson on how to do our banking.

I went to school and took business accounting in college. Another time they did the same amount and time frame for the overdraft fees. They told me a different story that it depends on when the business takes their money. What's that got to do with paying them? The one that got me laughing was they told me to pay the largest bill to the smallest bill. I hate Regions. I think they are lousy business people and something or someone should be looking into them like they did Bank of America and their overdraft fee manipulations. What ever happened to normal banking. The only reason I have to stay with them, is because my husband has his check deposited automatically.

Unfortunately, these stars do not go into negative numbers. A few weeks ago, I was lent some money so I could get out of a jam. The person who lent me the money is a long-time Regions Bank customer.

When I went to the bank to cash the check, I was told that I had to pay a $20 fee because I was not a customer. If I didn't pay the fee, they would not cash the check. However, if the customer who wrote the check came down to the branch, they could cash the check with no charge.

My husband and I set up an automated check for our rent to come out of our account with Regions Bank. We were told it would come out on the first of every month and be delivered to our landlord on the fifth of every month. From the very first month we had this set up, they screwed up at every turn.

The first month they took out our rent twice which caused us to be over drawn and then refused to pay for the mistakes saying it was unfortunately not something they could override. The second month they were almost a week late in getting the check sent out which caused our landlord to think we were trying to ditch our rent and the bank blamed it on the holiday that had just passed.

Finally this month when they still had not even taken the money out of the account by the third, my husband withdrew the money from the ATM and got a money order causing us to have to pay ATM fees and money order fees and then they tried to take the money out on the fourth which caused us to once again be negative and be slapped with overdraw fees. Because we had other bills coming out around the same time, my husband basically lost a week's worth of pay from all the fees and everything it took to bring it back up to positive again!

This bank allowed people to pay their bills by giving my wife's business routing and account number. This bank repaid some money but charged over $94,000 in overdraft fees without notice caused by missing funds. This is so bad that it cannot be rated.

I wish I could give 1/2 a star. My adoration for Regions Bank has gone from satisfaction to extreme hate. Everyday there seems to be a problem. For example, a company put through a check 4 times for the same amount. They went back and listened to our phone conversation and admitted that they were in the wrong. Instead of Regions going with the facts, they charged me their returned check fee 4 times! Now, I just looked at my account, online. I had $6.38 in there. Not anymore! Why?! It's because they charged me $4.00 for the debit card fee plus $10.00 monthly fee! Are you serious?! That little bit of money was to be used to buy milk for my family! Now we have nothing. Thanks a lot! I guess you don't care if kids go hungry tonight, right?!

I was told by a person in my local branch that the new debit card fee would not apply to me, as I had direct deposit with them. Well, guess what, I have a charge on my account for using my debit card. They will tell you lies and then add charges to your account for their "free" services. Plus, I had signed up for overdraft protection. But when they removed an online payment before sending the said payment, they overdrew my account and charged me $72.00 when I had plenty in my savings account. I'm closing my account (which is such a pain).

I went to bank today to withdraw money from my account. I have my cheque book with me as well. She asked for an ID. I gave her a valid ID, which I took about 2 months ago. She asked me for second ID. First, I requested that I needed that money. I can't drive for 45 minutes just to get that ID. Second, I also asked her who she was to make up this new rule. Show me something written that she should not pay me without second ID. She just kept saying that there was no more negotiation. Can I proceed legally on her and the bank?

My account was hacked and I was overdrawn due to that. They will not close my account and now, I am being harassed for collection.

In 2005, I obtained an approval to build a commercial property. I then signed a mortgage with an interest rate of 6.75%. My mortgage was to be $3,400.00. The bank I was dealing with was AmSouth. In 2006, the building was completed. When the builder was finished, he presented a bill that was $25,000.00 over the original estimate. By that time, Regions had merged with AmSouth. Instead of working with me to add the $25,000.00 onto the loan at the same interest rate or maybe creating a separate loan for five years, etc., they added the $25,000.00 to the mortgage and changed the interest rate to 8.5%. They threatened me with legal action if I did not sign within a week of their coming up with the new mortgage so my new payment is now $4,800.00.

The service was worse and the web page did not work well. I need to make some transactions and it did not work. I lost my time running to the next office--it was really bad! The bank charged me for everything and who will pay my lost time?

I have never in my life paid so many overdrafts as I have with Regions. They even held my paycheck. It's the branch that I do business with on 137th and 160th in Kendall. I only stayed with them because my husband has direct deposit. The manager, a woman, is always busy looking at herself in the mirror. Her English is terrible and her customer service skills are the worse. I have never seen her smile. Not once have they helped me with my problems. I am finding another bank today!

Regions stole money from my regular checking account. I have a debit withdrawal (copy) that my attorney obtained and he made them put the money back.

The debit draft was signed by a Regions bank employee for six figures! I had excellent score. This was a second mortgage. I am looking for an attorney to sue Regions. As soon as the attorney told me I needed a bank litigating attorney, Regions took back the money and never sent me another statement!

They get away with murder!

On September 16, 2011, after two NSF charges, which I'm still attempting to get reversed, my checking account was left with only $7 and change. On September 17, my wife used our debit card to buy an ice cream cone at Dairy Queen for $2.98. On September 18, I checked online and had a balance of $4 and change.

I left home, stopped at a Regions ATM to verify the balance and still had $4 and change. Two minutes later, I purchased a 12-pack of Coke at the Piggly Wiggly for $3.57. When I returned home, checking for my online balance and had $0.98.

On September 19, Regions had charged my account two NSF charges on these two debit transactions. $72 for debit transactions, when there was a balance to cover the purchases.

What recourse do I have? Numerous e-mails and phone calls have gotten nowhere.

They have started charging a $10.00 or 1% fee to cash good checks drawn on their bank. This was the first time they refused to honor cashing a good check drawn on their bank without a fee because I did not have an account. I refused to pay the fee and cashed the check at my bank.

Two counterfeit checks totaling over $50,000.00 were forged on my mother's personal account and Region's paid out the money. Now, my 90 year old mom is out $50,000.00 and Regions refuses to credit her account. The checks were not even real (they were computer generated) and looked nothing like her checks and the information was written in English (mom doesn't speak English and has never written a check or a word in English).

Her signature was also forged badly. As I understand it, she is not the first elderly person to whom this has happened to. Whoever did this knew all the information that the bank knows (how much money on the account, check sequence, when to write the checks) and knew that she was old and could be taken advantage of. All this leads me to believe that it was an inside job. The people at the bank know that my father just passed away and that she is alone. No one has access to her check book but her, and she hardly ever writes any checks. The bank manager and official which alleged that they had gotten a verbal approval to pay the checks from my mom have mysteriously been moved to another branch. Your money is not safe at Regions.

You are charging us a fee to use our own money. We bailed you out and we are the reason you are still in business. You earn interest in our money and use it every month. You are lucky that I don't charge you and you think you can tell us how much we are allowed to use/have/spend?

If we don't have $1500 minimum in our account a month, you will charge us $10. But the rich, who can have well beyond that in their account, gets no fee? Charge the poor, yes, that make sense. I don't have money for myself, but I have $10 a month for you? And then, a $4 fee for each debit card?

When your motto is Go Green, forget that! I am going to back to checks. You have all lost your ever loving minds, are money hungry and need Jesus? You should be sued for stealing money. The money of the Americans keeps you afloat. I hope your company falls flat on its face and goes under! You should never have received a bail out, and when you company does go belly up, my money will be under my mattress.

I went to Regions Bank in 2010 to withdraw some funds out of what started off as an IRA. The bank representative pressured me into opening a checking account, which I told her I didn't want or need as I had a checking account with another bank that I was satisfied with. She kept insisting that it was free and after telling her over and over that I did not need or want one, she told me that each year, at the same time, the amount that I needed to withdraw would automatically be deposited into that account and that I could write a check for that amount. I made no bones about the fact that I did not intend to make any other deposits or use that checking account in any way. Free, free, free were pushed to the point that I agreed. I was told to give them $5.00 to open the account and that was the end of it, nothing else was expected of me.

In 2011, since the time for the yearly deposit was nearing, I called the bank only to find out that their policy had been changed. My $5.00 had been withdrawn in fees for non-use of the account and it had been closed. During all this time, I had never received any correspondence or statements from the bank. To say the least, I was shocked and disappointed. For years, I had dealt with AmSouth hometown, friendly people whose word was more reliable than any signed documents; however, I now find a bank full of strangers, whose word apparently cannot be relied on at all. My $5.00 is gone, along with heaven knows how many other hundreds or thousand others. I will never use that bank again.

I received letter stating that they were unilaterally closing my account even though I keep a positive balance in the account. They were basically calling all of my loans and closing out any accounts.

My name is Alicia and I have already contacted Local News 8 about a complaint against Regions who has a hold on my account which I wasn't aware of. When I deposited my payroll check into my account (which was all the funds that I have and with the rent being due on the first), I wasn't able to pay. I have received a three-day notice to pay or get out. I have talked to my local branch manager, Christine **, who says that she is waiting for an email from the corporate and for my check to clear.

Well, the check has been cleared with my job's bank and I am still waiting. I just want my money so I can pay my bills. I am a mother of three. If the account has to be closed, that's fine. I just don't wanna be evicted. I don't know if this complaint is going to the right person. If not, could you please direct this to someone who will assist me? Time is ticking and my leasing office will not wait any longer. I cannot wait until Regions decides to cut a check then have it mailed. Please respond to my email.

I had a positive balance and Regions somehow charged me three overdraft fees. My ending balance was $10.32 less than the total amount of the fees. There was no other transaction. I have tried contacting them for two days about this matter and no one has gotten back with me. I think that these guys are thieves so I will be switching banks tomorrow.

This bank charged over $150 in overdraft fees for check difference of 20 cents. To make matters worse, this account has not been used for over 5 months.

There were some automatic bill payments that were never cashed. Therefore, Regions automatically withdrew money from my account without the check being cashed.

I went into the bank to get $10 worth of pennies and was told that, unless I had an account there, they would not do it. Said that it costs them money to make the exchange and they would only do it for customers.

However, my wife does have an account there, but that didn't matter since I didn't.

I went to Regions Bank to cash in expired CD for $11,000 plus (purchased from Regions). Was told that I would have to pay $8.00 for a check for the expired CD. I couldn't believe it and asked if I will get charged if I take cash? No charge for cash. Wow!! Give it to me in cash (I was going to get another CD from a different bank). Actually, it probably cost the bank more than $8 by the time it took the tellers to count the money and the fact that they even had a security guard keep an eye on me until I got to my car. I can't complain about the young lady who I was dealing with. She kept smiling despite the fact that I kept telling her how stupid this whole incident was.

I had transactions pending but they froze and over-drafted my account. I had the money in there; however, when the pending transactions came in, they bounced my other transaction giving me a total of $180.00 in NSF fees. Also, I have other pending transactions that will overdraft my account for $419.00. Therefore, I will not be able to pay my bills.

I was charged $150 in overdraft the same night my direct deposit was going in. And this has been going on since 2005. This is not the first time this has happened. They also put a code on my account where I could not order checks online unless they took the order.

I went to the Regions Bank on Kingsley in Orange Park, Florida and asked them to order my checks. And if they could correct the error the bank has made in putting a code on my account so they could only order checks for me. I never received my checks.

When further investigating this matter, I found out that Regions had ordered my checks and sent them to a bank that had been closed for 5 years. When I called them to verify this matter, they said, "We have that address as the only address we can mail it to." Keep in mind, if they had any brains they would realize that the address they sent it to was one of their old branches that closed 5 years ago.

They have made thousands of dollars from me and others in O/D, where most of your banks will work with you. They don't even want to hear about a credit. Not an option. If I had to rate this bank, as well as Bank of America, I would say from a 1 to 10, 10 being the worst, I would give them both a 10.

I went to cash a check written to me from a customer I'd worked for. The first time was a small check of $200. They said I have to pay $10 to cash it. I left. The second time I was with a check of $2,150. They charged me $20 to cash it.

I was informed in a rude manner that I could just take my check and get out or pay. I had to pay $20 of my earned payment to get it cashed.

My mother died on May 8, 2011. She owned accounts at various local banks including a large CD at Regions. My brother and I are the heirs in her will and we have been granted a Judgment of Possession by the Courts. Our lawyer has filed the judgment along with others' notarized affidavits, etc. demanded by Regions legal department. We have jumped through all of their legal hoops, however, as of September 1, 2011, Regions has still refused to give us the funds. They stated that it is still awaiting a decision from the legal department.

Our business account was frozen and we had plenty of money in our account. We were not contacted until I tried to use my business card to purchase something and it would not work. Then I contacted the bank and they had no answer why it was frozen. They told me I could put more money in it but I couldn't get it out of the account (how stupid is that).

I haven't touched my card in over two months. I had money in my back account. I made payments with my card like any normal person would. This afternoon, I found out that Regions held three transactions for three months. They over-drafted me for each transactions that's why I am pissed. How can a bank hold transactions for three months, then just decide one day, "Oh we'll process these now. Wait, you have no money. Guess what? Late fees."

I had $1200 in a checking account and had 5 charges from the debit card come in for under $5 for four out of the five. Regions Bank charged me overdraft fees totaling $360.00 because they said even though the account had funds they where not made available add. When they did post the debit charges they did so highest to lowest to cause even more added overdraft fees.

Transactions were made and cleared our account approximately four days prior to a check transaction. I admit that we did not make a deposit to cover the check; however, we do have overdraft protection up to three hundred dollars. The check and $35 fee would have been covered under the overdraft protection, but Regions backed up and uncleared two transactions under $5 each, which resulted in us being charged $35 each for those two transactions. Then they covered the check which should have been covered under the overdraft protection.

I spoke with Wanda ** Branch Team Leader, and she stated that it is their policy to clear the largest transaction, and to back up as much as needed to do so. Ms. Wanda appeared to be concerned about my account and asked that I give her an hour to clear up my account and that she would call me within the hour. Five days and two phone calls later requesting she call me, she has not returned my call.

I called the branch again on this date, August 22nd 2011 and was informed that the transactions that Ms. Wanda told me were not covered and not the correct ones and was given different transactions not covered. I was informed that three transactions were processed on the same night and that they cover largest to smallest even if we have overdraft protection to cover the largest transaction. This is the second time Regions has done this to me since October 2010. Both times, I was advised that it is their policy to back up and not cover smaller transactions and cover the largest first.

We, the consumer, are the ones being hurt by this policy because instead of being charged one fee of $35 dollars, I was charged multiple fees for smaller transactions. When I asked the bank to give me a copy of where I signed knowing this policy or when I signed up for the account, perhaps something that I would have signed with the bank's procedures, I was told that they can't give me anything because there is not anything. It appears that Regions has changed their policy and procedures without notifying us of this change.

I had only received one child support check in over a month and I had to use my children's money for school clothes to pay fees.

My elderly mother needed help to set up a bill payment. The manager instructed her to go home because she didn't know how to help. I called to dare question why a customer who came in for help with an easy problem was turned away but I only received scorn! The worst bank customer service that I have experienced ever. I used to be their customer in the past and I was reminded why I dumped them. They are shady and the worst bank. Stay away!

I monitor my account daily and use all the alerts but the alerts are worthless. My wife and I both made some payments without talking and we did not have enough in checking to cover.

No big deal when the checks game in I should have gotten two overdrafts. I have overdraft protection. But what they did was rearrange all the transactions for the day to count the checks first and I ended up with six overdrafts. I went in and talked to them and they gave me an excuse that it was for my protection, that they wanted to pay big ones first.

Not true. They want to make as much as they can. I have been with Amsouth since 1998 with the same account. I will be changing this week. Regions misleads its customers and all the alerts and APs are worthless because they can change at anytime to benefit the bank. Done.

I went into this location for change to purchase for my store. They gave me $50, which was too much. I was honest and returned the money. They thanked me, blah, blah, blah.

Then when I went back in months later, they shorted me by $3.00. They gave me a roll of nickels instead of dimes. I had one roll of nickels too many and short $3.00. They refuse to correct the problem.

I'm sorry I set up my business account with this establishment and sorry I returned the $50.

I incurred multiple overdraft fees on the same transactions. They told me I incurred the OD fees while pending and would incur a second set when the amounts were paid by the bank.

I was ready to leave the bank but a bank agent, **, said she would take me out of the "Overdraft Matrix". By the way, ** also said these overdrafts were "not right" but couldn't reverse them.

I paid the fees and remained with the bank on the merits of their great tellers and a non-inclusion in the "Matrix".

I later overdrew it by about $22 dollars and ended up with a $239 total. Their explanation was otherworldly. I couldn't believe what they were explaining to me. It is outrageous and I have a pdf file of the transaction. This has to be illegal.

Regions closed my account on 7/25/2011. The only way that I knew was because I went to look at the bill payments that I had scheduled on 7/22/2011, and they were not scheduled.

I had to call 1-800-REGIONS to find out why and then found out that they closed the account. They gave no reason. I withdrew my funds from Regions and put it into another bank that same day. Then, on 8/1/2011, when my job was not able to stop my direct deposit from being deposited into Regions Bank and was deposited in there. Now, Regions has hold of my funds from 8/1/2011 from my employer and has not released my funds to me.

If I'm not mistaken, they're breaking the law. A bank is not supposed to withhold any funds from a customer. There is no valid, legal reason to do that when there is no outstanding balance, no loan, no credit card, no lien, etc.

My account was 0.00 when I left them and in good standing. My 8/1/2011 deposit which, by the way, is over $1,000.00 from my job should be given back to me in full from Regions Bank. They are withholding my funds. I have contacted the government agency that regulates their actions and filed a complaint.

Regions bank has to be #1 in terms of basically doing a nose dive since January of 2010. Yesterday, I checked my balance online, as I do SEVERAL times a day. Notice that I said "several" because the site updates and changes so much that you will never truly know how much you have in your account unless you keep a ledger. Even then, you may be off. I was asked, "do you keep a ledger?".."Why yes. I am obsessive compulsive now after losing money with your bank." Why should I have paranoia, wondering on an hourly basis if the amount I have calculated will/will not fit perfectly with a bank that changes on an hourly basis?

After calling several representatives, 3 told me that from Friday until Wednesday, the staff has to get "caught up". WHAT?! So for the past month, I have not used my debit card from Friday until the following Wednesday. A few minutes ago, I checked my balance. Every purchase I made on July 1, 2011 was returned (when it initially showed as being 'paid' until 7/9/2011) and I was charged $36.00 for each return payment when I had enough money to cover everything. May 31, 201, I deposited a check of $2,000. My total expenses from July 1, 2011 to July 9, 2011 totaled $254.54.You mean to tell me that when I looked online at midnight, May 31, 2011, and saw where the check was deposited, I was able to spend money using my debit card and someone...all of a sudden decided, "nope, return everything?" Why make your customers believe that their funds are solid after a direct deposit only to turn around and decide to take it all back.

I had a free checking account but pulling my money out tomorrow morning at 8am. I cannot imagine having to make 10+ transactions a month w/o direct deposit in order to stay with them so new customers...GOOD LUCK!

The person wearing a Regions shirt walked into the Water department in my town and began to complain to almost everyone there about how her bill was more than what she thought it should be. She actually told the lady in front of her that "the girl needed to get off her fat ** and start walking on a treadmill before she said anything else to her about her account" after she was not apparently happy about what she tried to tell her. She then began to get mad and tell everyone there that "they" were being unprofessional.

She wanted to speak to a manager and was even rude to her and some security person who was there. When she was walking out the door, in front of me, she turned around and made a face toward where she just walked from and then stuck her nose up like she was too good for the people in there. I heard her calling the local 311 complaining about the people there and the security person because she said they "got in her face". They were all very polite to her and did what any trained person would do to try and calm a crazy person down. She apparently did not have her own head screwed on right or someone pissed in her cheerios this morning.

I had been a happy AmSouth customer for years and now an unhappy Regions customer. Although my account is current, I completely agree with your company's advertisement with the green bicycle because my finances with Regions is causing me to sell my car and ride a bike.

After two car accidents wherein my best friend broke his neck and then I had a heart attack along with later spinal surgery, I am now disabled and on Social Security. Before this, my credit and payment history was perfect. In November 2008, I wrote asking for help, but was ignored. I used my IRA money to try to keep up with payments but when the money finally ran out, I defaulted on the second Mortgage Line of Credit with Regions in June, July, August, and September of 2010. Bankruptcy seems the only option as my home and residence are worth $158k and the first mortgage will take that completely and then the line that I owe Regions throws what I owe $100k under water. Your Collection and Loss Mitigation departments told me that Regions does not work with Obama on any of his Home Help from Foreclosure plans.

The rude and uncaring people in the Regions collection department were unbelievable. I thought that a glimmer of hope would be dealing with Loss Mitigation department. They were very friendly but in the end I was lied to and taken advantage of. I was told that if I made three payments in a row on time, "all is forgiven" and we will let you start paying down your line and that no back charges would be charged. After three months of making my payments on time, I was then told that Regions is happy to approve my "Re-Age program". However, they have decided to charge me all of the late payments and penalties on top of everything. After calling my representative in Loss Mitigation, I was told she said we "MAY" not charge for late payments and penalties, etc. She made her emphasis on the word "may". This was an out and out lie and deceptive!

On my statement with due date of 5/11/11, there is an additional questionable charge of $30! Also in the hidden amounts behind the finance charge, you can see on your computer other charges (that are not finances) that are charged to me monthly.

My reason for writing is to ask for your assistance in finding out the hidden charges, finding out why the $30 charge in May 2011, finding out why your business would tell their customers one thing and do something different, and then I am asking for credit to show my line balance is $99,285.52, which is what the computer still shows.

It's amazing that two sets of books are kept as one shows $99,285.52 and the other shows a much higher amount of $102,506.78. I am also requesting that my line of credit interest rate be changed to zero so that the payments will pay off this closed loan for I do not wish to file bankruptcy.

Every experience I have had with Regions Bank has been negative. When I opened my acct the rep took my current info but I told her I was moving in three days and I wanted my new address on my checks and to mail my debit card and statements there. My checks were received with the new address misspelled and I never received the debit card. I finally found out the card was mailed to the old address (the checks were sent to the new address. I still don't understand how that happened) and Regions tried to charge me $20 for a replacement card. I fought it and they waived it "as a courtesy." I moved from FL to AL and when I went in to a branch here in AL wearing a shirt w/ a FL sports team on it the branch MANAGER caused a scene by heckling me while I was waiting in line for a teller.

The office had a line of at least 7 people and there I was being harassed b/c of my t-shirt? It was embarrassing. I called the 1-800 customer care line and complained and they said they would "contact the office" to handle the situation but I doubt they did anything. Then, I wrote a check for groceries on a Tuesday night (my paycheck was direct deposit on Thursday at 12:01am). The check came in at the same time as my direct deposit and they charged me a $25 fee. I called and told them my deposit was there and wondered why they charged me. The woman told me, "We didn't charge you an insufficient funds fee. Those are $35. You were charged an unavailable funds fee because even though your deposit was pending, it wasn't posted to your account and therefore was not available for use." What the hell??? I also deposited a check one morning at 8:30am and that evening tried to use my debit card but couldn't.

They said if I deposited cash it would be available immediately but any checks deposited aren't available until the next day, no matter what time of day it is deposited. I also was married last month and went in to the branch to change my name. I brought my marriage license, marriage certificate, birth certificate, new social security card and old driver's license. They gave me a hard time because my license didn't have my new name on it yet. The branch manager had to get involved and then finally they changed it but told me it would be $20 to order a new debit card. Enough is enough and I'm closing all of my accounts with them and moving them somewhere else. I'm using old checks and my old debit card and moving all of my accounts today. Regions is awful!

On June 17, my husband deposited $721 into our checking account. We did it at 4:30pm, which we realized was after the cutoff, but we had enough funds to cover anything that went in that night. Well, on Monday, June 20, I checked my account and had seen that we were charged $180 in overdraft fees. What had happened is friday evening, after 5pm, I realized that I had to pay a bill and I withdrew $60 from my account. I understand that after your deposit, anything that was done after the time of the deposit was done by the time. So I figured, I deposited my check at 4:30pm that it was ok to withdraw $60 at 5pm because that would be the order it would go through. It didn't it went through right away and when we had $66 dollars available, we had four items out for $12, $10, $6, and $24 which would have been fine. But of course, they did the $60 dollars first and I was charged $180 for those items and our overdraft fee is $36. Basically, I got charged twice for one item because it was a pending item too so it was charged as a pending item and then when it went through it was charged again.

I went to the office to speak with Brian **, the supervisor. He said that there was nothing they could do. It was the way it worked and since it was a payroll check, it had to wait till monday to be deposited. If I would have deposited cash, it would have been automatically added in. He also agreed that it would have been better to go to Walmart and cash the check for $3 and then deposited it. I don't understand, isn't that what my bank is for? How is it that I can deposit my check and can't use it till monday. I can't withdrawal out money because it doesn't matter, it goes right through. Why isn't there a cutoff on Fridays on which items can be processed especially if there are cutoffs on deposit.

I had a boat loan with Regions Bank. I sold my boat and the buyer paid the bank directly. I have been waiting for the closing paperwork for almost a month. The representatives at Regions are all uninformed and no one knows what anyone else is doing. Right now, the buyers are ready to pick up the boat, Regions has had their money for over a month, and they have still not finalized things. To top things off, my 2 representatives at Regions are both on vacation and there is never anyone available who knows how to deal with my situation. I just called Regions Bank and was told that everyone is out at lunch. Really? This is the worst bank I have ever encountered.

I have had an account with Regions for years and after a few rude associates and tellers, I decided to bank elsewhere. Rather than close my free checking account, I kept $40 in the account and never touched it. Fast forward 4-5 years later, I got a notice of an overdraft fee of $3.39 on an account of which I haven't touched in years. I come to find out that somewhere along the way, Regions did away with their free checking account and had been charging me a monthly fee of $5.00, of which they took out of my account for it being less than a daily balance of $1000.00.

At no point was I ever contacted that this account was being switched from a free account to an account where I had to keep a certain dollar amount or be charged. Now, I got a bill saying I owe them money that is just ridiculous. I tried to find a complaint number or email address online, no luck there either. Anyone banking with them or thinking of banking with them, don't run the other direction. They misrepresent themselves and can change their minds at a moment's notice and start taking your money.

I was expecting a wire transfer from my father today. After calling Regions to find out what the routing number was, I was sure everything would be fine. I came to find out today that the routing number I was given was the wrong one. The teller gave me my checking account routing number, instead of the wire routing numbers. Totally ridiculous... completely unhelpful. I am going to close my account ASAP. Stay away from Regions!

Regions Bank started stealing $5 a month from my checking account, without notifying me in writing. I closed my account out and they kindly agreed to return part of the theft, but not all of it. I live on a very small amount of money and do not like someone stealing $5 a month from me. $5 would have bought me a gallon of gas. It's not just the money, it's the idea of it. How can they get away with this without notifying me in writing?

I opened a checking account at Regions Bank on or about January 1, 2011 in Milton, Florida. I drew an SSI check and I owe them approximately $400.00. Ms. Patty, the banker, had opened my account and she briefly had stated to me that if I owe them money and I couldn't pay them, they would send my payment to the collection or the credit bureau. Now, I got a word that it is going to the state attorney's office, but I can't afford to pay that much. As of now, I have no idea on what I should do.

My husband has an account at this bank. He also has direct deposit from his Social Security that goes directly into this checking account. He gets paid the 2nd Wednesday of each month. He has been signed up with overdraft since he opened this account. We pay $401 each month on our lot rent and it is due between the 1st and 5th of each month and we have to pay a $100 late fee to the park manager. He wrote a check for $401 on the 5th to keep from paying a late fee to the park. It was posted in the bank on the 8th. At the same time (1 1/2 hrs later), his direct deposit from Social Security came in and was posted. The bank did not allow us to use our overdraft protection and sent the check back plus charged us $36 non-sufficient funds to our account.

He called the bank and talked to Andrea (head person over checking). She not only stated that we did not have over draft protection on the account. Jerry (my husband) told her that he had had this protection from the moment he had opened the account, which she then informed him that he did not. One word lead to another and Jerry ended up getting so upset that I had to calm him down. Now, Jerry has had open heart surgery and has a bad heart which includes a pace maker. He does not need to be talked to in the manner in which she undoubtedly was doing. He very seldom gets upset just for that very reason.

To make the long story short, not only did she tell him that he would be charged the $36 overdraft fee, but they would not honor this check. Now, he is being charged an extra $100 for late rent plus $36 overdraft fee for a 1 1/2 hour delay. She did tell him that this was all done by a machine so nothing could be done.

To make things worse, the park manager informed us that we would be charged the $100 late fee PLUS an additional $75 returned check fee. So now it's up to $175 from the park manager and $36 from the bank. Do you realize when you are on a set social security income every single penny counts? I apologize for getting upset with you, it's not you I am complaining about, it's Regions Bank. I also forgot to mention that this morning (3/11/2011), he went into his online account and found that Regions Bank has now charged him an additional $50 for even talking to customer service. That's unbelievable! When I went into the additional fee to see what it was for, it was the for Bank of Guam. Yes, that's what it said.

Needless to say, he went to the ATM and withdrew every penny he could out of his account before they took it upon themselves to take anymore. I sent them an email (I can't call since it's Saturday and they aren't open) inquiring about this "Bank of Guam" and what the fees were for but I'm afraid they will probably charge us another $50 for even asking a question. Could you please, please find out what kind of Bank this Regions is? It cannot be a bank that would be allowed to function with these practices.

I'm with Regions but they close at 5:00 normally--same day deposits cut off is 4:00. I was at a branch with $405 at 3:05 and they closed because of the weather at 3:00. People were inside but they waved at me and said that they were closed. I did not get a notice of such--no call, text or email though I'm signed up for alerts. I had checks that I knew would be going through soon.

I got $140 in overdraft fees at $35 a pop when I woke up Tuesday morning on the account that I was opt-out for overdraft (so "I won't get fees again"). That was not true in this case. Since I was there before 4:00, I drove to three branches and all were close. Other banks were open such as FirstState, Fifth Third and Bank of America.

I don't feel that I need to pay the $140 in fees as I tried to get this money and checks deposited before the standard cut off time of 4:00. I had been told from another branch a few months ago when I deposited a check in the ATM that it needs to be hand verified and does not credit the same day. I went to where the account was held at and was told that they couldn't refund the fees. I should have used the ATM and they said that it would have been credited the same day. In fact, they said that I could deposit checks until 6:00 PM and get credit that day--which is not what I was told at the other branch where I did deposit the check. It got lost and it was a big ordeal to get credited.

They had all these reasons why it was my fault, despite the fact that at 3:05 the next day, I had $16 in my account. They claim that the check went through on Sunday and that the available funds were incorrect. I don't like how banks tell you to go check online on the available funds and then they tell you later that it doesn't matter that my account had already been withdrawn. I feel strongly that banks setup and play with debits to get fees. It's discouraging when you work 16-18 days and they take $140 out when you had the money to prevent it.

As a forward-looking grandmother, I send U.S. savings bonds to my grand kids for holidays, birthdays, etc. I entered Regions Bank on 12/20/10 to purchase the bonds for Christmas and left the bank greatly frustrated. After supplying all the necessary information to the teller, she asked if I would be paying cash or would I like it drawn from my account. I answered cash, stating that I do not currently have an account there. Her response was that, as a non-account holder, I would not be able to purchase U.S. savings bonds there; that Regions Bank will "gladly redeem the bonds, but we're unable to sell them to non-account holders." I was stunned, unaware that not every FDIC-insured bank would sell U.S. bonds. After all, I was there to invest in the U.S., not in Regions Bank! (I went to another bank and got the bonds without any trouble)!

I agreed to paperless statements. Regions Bank blocked me from internet access. Finally, I got access back. When I got on and was able to download statement, there was an unknown $4200 check cashed on 6/23. I was prevented from viewing the said check online. I wrote to them from my online account to request a copy. At the same time, I did an order through my account for $5 to show me a copy of the cleared check. Regions refuses to allow me to view the check online and refuses to send me a copy of the check. They demand that I call them so we can discuss it. In other words, Regions wants nothing in writing. I consider the bank is acting fraudulently and stealing $4200 from me.

I hold the power of attorney (POA) for my 80 year old father. In October 2010, my father asked me to close out his safe deposit box at the main Regions bank on Broad Street in Kingsport, Tennessee. I drove to the bank, a distance of 30 miles, and spoke with a customer service rep. I don't remember her name. She took one look at the POA document and said it was illegal. She said it had to be titled "Durable Power of Attorney" instead of "General Power of Attorney." She then said it had to be "pacificly" stated in the body of the document that I was authorized to conduct my father's banking business. Obviously, she was not educated enough to know there is no such word as "pacificly."

I argued that I had conducted his banking business, at his request, several times previously and there had been no problem. She said the rules had changed and I would need to have a new POA document drawn up. She made me feel like a criminal. The POA document was drawn up by one of Kingsport's leading attorneys and was not illegal. I was furious because I had driven all that way for nothing. I called my father and he told her he wanted me to close out the box, but she wouldn't budge. I had no choice but to leave.

I called the 800 Regions number and got the name of the bank manager, Cindy. When I spoke to her, she was sympathetic but said the rules had indeed changed and a general POA could no longer be accepted. She said my father would have to come to the bank in person if he wanted to close out the box. I told her if he was able to do that, I wouldn't be talking to her. My father contacted his attorney, who said he had a lot of trouble with Regions over this issue. He said a general POA is indeed legal, and the word "durable" was included in the body of the document. He called Cindy and read her the riot act, then faxed her the pages from the Tennessee Annotated Code about POA's.

He said the problem with Regions was that they took their orders from a legal firm in Alabama that knew nothing of Tennessee law. He told me I would be able to close out the box anytime. When I returned to the bank a few days later, Cindy said, "I still can't allow you to close out the box, but I'm going to make an exception since I talked to the attorney. " Apparently I was allowed to open the box but not close it out. I thought of calling the attorney back but decided to leave well enough alone. I closed out the box as my father had instructed. What Regions really wanted was for my dad to keep paying rent on the box, whether there was anything in it or not.

Short version is he told us to do it early and we put over $10,000 into doing so. When it went to the underwriter, we kept getting told to show more money in our accounts so we borrowed thousands from our parents because he had advised us to use all of our savings and tax return to pay off our debts, including the cars. We were left with nothing and owed money to our families. The Friday before we closed on a Tuesday, he called and told us we had lost the house because our credit score had dropped too low because of the mass amount of loans we had paid off.

We had planned on using the tax credit to build our savings back up, but since we lost the house we didn't get it. His advice was to get a loan or a couple credit cards to bring our credit back up. We got a new car loan and waiting about four months, our credit is still shot and when we call the bank. They sound sorry and tell us they will do everything they can to make it right, then never call us back. My mother-in-law is a real estate agent in Maryland that did us a favor and called him to ask what had happened. He called her back and left a message on her cell phone saying he was wrong and shouldn't have told us to pay it all off at once and should have waited for closing.

My son lost his job so I sent him some money from my credit union via online BillPay. Two weeks later, the check was still missing. I was told, at various times, that: (a) The check was deposited in the wrong account. (b) The check was never received. (c) There were no managers present at the bank. (d) It's not their problem and they couldn't help me. (e) If the check was cashed, a stop payment wouldn't make any difference. (f) The managers are all in meetings and would not be back until the next morning (after telling me there were no managers present, in short, they lied to me). The customer service one would expect to receive at a bank is completely lacking and they will lie to you. I would never bank there and I would advise others to avoid Regions Bank.

I was at Huntsville Hospital's Women and Children's center. There is an ATM in their lobby that is owned by Regions Bank. I attempted to use the ATM and make a withdrawal for $80.00. The ATM processed the transaction after saying on the screen that the ATM had cancelled the transaction and was unable to process it. The ATM not only processed it, they took the money out of my account and failed to dispense the money to me. No receipt, nothing. I went to the Regions branch in Madison, AL. The man who helped me there was polite to me, but gave me the run around; telling me that if I waited until the transaction hard posted to my account and was no longer pending, to come back and he would file a dispute. I went back the next morning after it posted and he told me that there was nothing he could do.

I was then directed to file a dispute online, which I did thru the Unemployment Agency that issued the card to me. They said it could take up to 45 days to resolve the issue. I then called one of Regions main offices and explained the problem to them and the supervisor hung up on me. I then spoke to the Regions contact for the Better Business Bureau. She told me to contact the Unemployment Agency that issued my card (which is also issued thru Regions). But still no results. She told me to contact the Agency and have them expedite my claim, which I was told wasn't possible. I was told that Regions has no way to reverse the charges.

Regions Bank has sent me to collections and I have tried every phone number to call and no one knows anything nor do they have a copy of the lease. Kevin at ** whom was extremely rude said that this had been turned over to collections because a balance was owed of $816.32; however, every single payment on this lease was made. The only balance due at the end of the lease was a $300.00 termination fee which was paid.

When I contacted the collections department they said it was not in their office. No one can produce any information or a copy of the lease or any document stating that this vehicle was returned to them. Not only has my credit been affected but I have been trying to refinance my home and I need to show them something from Regions Bank Stating that this vehicle had been returned in June 2006.

A Regions Bank teller cashed a check for someone that I wrote a check to and told them to hold it until my disability pay went through. He took it a day early and the check was cashed and I was charged overdraft. I went to the bank because I didn't know tellers cashed checks when there was no money in the account.

I found out Regions provides $500.00 overdraft protection. The problem is they put through checks just when they feel like it. I wrote the attorneys I pay for a Citibank judgement, the bank returned it to them and now they are putting a bank levy on my account. I only draw disability pay and they are going to take all my income which isn't much.

If Regions Bank had put through the check like they do, all the others I wouldn't be having this problem. I get my check on the 1st and the teller manager would cash them after 2pm the last day of the month. She did that for 3 times, then I went another month and she wouldn't do it, said, she couldn't and it was a decision based day to day. Sometimes she felt like cashing the check and sometimes she didn't. Regions bank needs to be reported because they don't do the same thing all the time. It's whatever they feel like during the day.

I did not worry too much after that about my checking account because I knew that even if I over-drafted, they would pull the money out of savings and I had more than enough to cover my transactions. When I did overdraft, I as charged $15.00 per overdraft. If she had never called and solicited my participation in this service, I never would have been charged anything.

She blatantly lied. When I called to confront her, she was unavailable. When I asked the assistant manager at the bank why she lied, she responded that they were under no duty to tell me about the fee because it was in the documents I received when I signed up for the account. They really believe that they can lie to customers and bury the truth in fine print. There's not much result aside from a bunch of $15.00 charges.

In August 2010 I wrote a check for $171.10 to Winn-Dixie in Alexandria, AL. It was a Friday and I usually write a check before my direct deposit goes in on Tuesday. Winn-Dixie does not submit check electronically, so I have never had a problem with my checks beating my direct deposit to the bank. This time, however, the check went in on Monday, August 30th, before my direct deposit on the 31st. The check was returned to Winn-Dixie. I admit writing this check without having the funds in my account but the bank charged me a $35 overdraft fee notated on my statement as 35.00 ODF. I asked myself why did I get charged for an overdraft fee when the check was not paid out. After all, overdraft means the charges are paid out.

A bank employee named Jimmy told me this was a returned check fee. I stated that this is not what the statement said. Returned check fee should have read $171.10 NSF not ODF. I also stated that $35.00 was rather excessive for a check that was not paid out. I got nowhere with this employee. A week and a half later, Winn-Dixie resubmitted the check and got their money. I waited a week to see if there would be a returned check fee from the store. A week after that the store turned in the returned check fee; of course, when I did not have the money in my account. Instead of declining this transaction, Regions let it go through and proceeded to charge me another $35 overdraft fee. This seems odd to me since the bank told me I did not qualify for overdraft protection when I opened the account. I then asked the bank how could someone else submit charges to my account and be paid when I did not have funds available, when I, the account holder, could not do this. I was told it was because they had my account numbers.

I replied I have my account numbers, too, to which I received no response. My request to have both fees credited to my account was denied. This was a total of $65.00 in fees for the same transaction. Another time I was told I could have overdraft if I had a savings account and the money to cover the charges in my savings account. This happened several times before. I noticed many ten dollar fees for transferring money from saving to checking. I was not told this when I opened the account. In yet another instance for the first two years with Regions, anytime I made a purchase with my debit card and did not have funds available the purchase was denied. I made a purchase at Fred's for about $25. When I later checked my balance, there was an overdraft fee for $35.00.

I went to the bank and asked why this transaction went through when it had never done so in the past. I was told that the charge went through because some charge was debited and the put back. They could not show this charge on the computer, though. In this final complaint, I tried to cash a reimbursement check for nineteen dollars on the Friday before Tuesday's direct deposit. After waiting in the drive thru in 95 degree heat with the car off because I was almost out of gas, the teller tells me I can't cash the check because I was nine dollars overdrawn. They can let other people charge to my account when I do not have the funds available, but I the account holder cannot cash a check from the same company that sends my direct deposit, which they were to get in 3 days.

Okay, I will go somewhere else to cash it except the dingbat at the drive thru stamped and initialed the check. I went to two places that cash checks but they would not cash it because it looked like it was processed. I went to the branch on Noble Street and complained. The teller told me she would cash the check only if I covered the nine dollars I was overdrawn. Because of all that driving around, I ran out of gas in the middle of the road. When I went back to the Golden Springs branch to complain and ask why I was not given the same option I got at the Noble Street branch, I was given the excuse of the teller was new and did not even receive an apology. In my opinion, Regions Bank is as crooked and had worse customer service than Colonial Bank, where I had these same kinds of problems. I hope they meet the same demise as Colonial and go belly up.

Anyone thinking about using Regions Bank should flee in terror and bury your money in a coffee can in the back yard. It will be much safer there. Besides running out of gas in the middle of the road on a hot summer day because the bank would not cash a $19 check for an account holder, I am still trying to recover from all these unnecessary, and in my opinion, crooked fees.

My father and I have a joint checking account at Regions due to his age and failing health. Despite the ongoing poor customer service we receive, he does not want to change banks. I called the 800 number to ask a question about our account. I gave them the last four digits of my social security number, my mother's maiden name, the amount and date of last deposit, and it still wasn't enough. They asked for the date the account was opened, which would have been at least 40 years and many mergers ago. It was before I was born! How would I know that? The rep insisted she was required to ask, even when I said I had never been asked for that information. I asked for a supervisor, was put on hold, and no one ever picked up. A particularly unhelpful, rude customer service rep is Yolanda. I won't deal with her anymore.

My husband and I had a checking account with Regions Bank. On many many occasions in the last couple of years, Regions would change the order of our transactions so that if we overdrew the account, the highest amount would be charged first and then the next highest and so forth. By doing this, they were able to charge more and more fees to our account. We have had to pay hundreds of dollars in overdraft fees because of this. One of the tellers at the bank agreed with me on how this practice was not good, but the people in the offices really didn't care about helping us.

I have been with this bank for over 20 years since it was deposit guarantee then Amsouth now regions. I have been charged a huge amount of overdraft fees due to them taking the large amount first then the smaller ones. Some of the smaller charges actually occurred earlier than the large one but they always take the large amount out first then the small one so it makes you bounce more transactions. When it is on a weekend that makes it even worse because you can't even make a deposit until they reopen on Monday yet they still keep charging overdraft charges for every little dollar withdrawal.

When You realize this is happening it is the worse feeling because all you can do is wait until Monday and watch the charges pile up. a simple 2.00 or 3.00 transaction has cost me 30.00 at times. And if an automatic charge is coming out that Monday and you make a deposit you sill sometimes get an over draft fee for that because they count the deposit after the withdrawal.

Regions Bank is intentionally making you have more overdraft charges. I take responsibility for making mistakes at times like forgetting a check that had not cleared or thinking a deposit was coming in sooner than it actually did and I will pay the charges with no complaint but when they arrange transactions to make you have more overdraft charges that is wrong. In these times you would think that the banks would try to help their customers instead of ripping them off. Especially when they have been a customer for as long as I have. I would rather my debit be declined than to have to pay these charges.

I think it is time to put a stop to this and refund customers at least some of these fees that they have been charged for years. When we are having financial difficulty due to medical bills, prescription costs, and constant doctor Visits. We have recently filed Bankruptcy. I have had some of my doctor visit transactions bounce. Without these charges things would have been a little easier at times.

My husband and I have figured out that our bank is causing us to have excess overdraft charges by putting the biggest debit first so that all the little ones charge fees. We have paid over a thousand dollars in overdraft fees this year alone. The little debits show up online, but if a big one comes through the little ones then show up under that one resulting in several overdrafts instead of one. I am tired of calling these people to get them to reverse overdraft charges. They simply won't budge and they cannot explain why when I look at the transactions online the pending charges are fine one day and then the next day there's all these crazy overdraft charges and the transactions are out of order. We need to start a class action lawsuit against them and get our money back. I am leaving that bank, but we need to get something rolling here.

I used to bank with Regions a few years ago. I had a lot of problems with them in the past, now I have changed banks. I went today to cash a check that is drawn on Regions Bank and I was told that it would be a $7.00 fee. I think it is ridiculous that a bank that cuts a check charges you to cash it at the same bank.

I do not bank with Regions Bank, yet they are completely screwing us over. They are the bank that processes my husband's payroll for direct deposit. His weekly check was deposited on a Friday into our account at Suntrust. On Monday Regions Bank reversed the payroll payment causing all of the transactions we made over the weekend to bounce! We discovered the error on Tuesday and Regions reversed the reversal on Wednesday.

Their little error cost us $205 in NSF fees. Regions wrote our bank (Suntrust) a letter saying that it was Regions error asking them to reverse the charges. Suntrust is refusing to reverse the fees because it is not a Suntrust error. Regions is not returning phone calls now. Unbelievable! It has been two weeks since their little error and we are still out $205! What a horrible bank!

I was applying for a loan through quicken and was approved. I was told all I needed to do was sign a form for my bank, regions regarding my home equity line of credit. Regions wanted to raise my interest by 1.5% and charge me a $200 fee. They told me it would be a risk and that is why they were doing this. I have excellent credit and have been banking with them for years. I was told the only way to avoid this 1.5% increase was to get my loan through them. Since I do not want to give any more business to regions I will choose another lender. This will require me to add my help to my original loan which will greatly increase my mortgage. I am very disgusted with regions (so is quicken loans who told me they have never heard of a bank practicing such unethical practices.)

I had over 1200.00 in fees taken out of my account from nsf and overdraft fees due to some fraudulent pay pal transactions and I am not supposed to be help responsible for these. Pay pal sent all the dispute documents and a letter from them stating that they charges were fraud and had been reversed and most not even able to be taken out because of the lack of money in the account. I have been told on two sep occassions that my fees would be returned and they only gave me half of what they took. I have filed the app paper work and need the rest of my money put back and keep getting the run around because no money was lost. It's no different if you go and have a check stolen and they run it through the bank twice before you catch it because of nsf and you get charged each time.

I honestly have too many negative experiences to write all at once. I strongly believe that Regions Bank does not care about their customers as they claim. And frankly, I feel sorry for the bank employees that are trained as robots to disregard what is right or wrong and not care at all about a customer that has been faithful to them for so many years. Mental anguish, financial distress, inmeasureable loss of family involvement due to the time spent trying to resolve the dissonant issues and, most recently, discrimination.

I have submitted a letter to the bank via online banking email services provided by Regions Bank. The letter details an occurence which left me feeling abused and discriminated against.

I have been a customer of your bank since late 2009. I have been very patient with the service I receive for many reasons that I must address before I approach my most pressing concern. Overall your packaging is very enticing for the small town of Eupora where I reside currently. It does not appear that you are unfair in your financial services and in fact it has an impressive outreach into the community with the diverse programs offered as benefits to customers.

However I never received a clear and concise explanation of the benefits aside from when I opened my account in Atlanta, GA. Some very simple mistakes I made caused some very serious problems with my finance and prior to banking with Regions the company who assisted with my banking needs was always quite helpful in resolving many of the issues that may have otherwise been very damaging. I found it difficult to leave that bank because they worked very hard to keep me as a customer.

Needless to say when the economy collapsed I was affected and closed those accounts and began a business plan I have implemented that would require that my accounting affairs be handled locally. Therefore, after much reservation, I chose Regions and was quite pleased initially at the polite and courteous staff in Atlanta, GA, who helped me set up the account to be used in my hometown of Eupora where the some of the employees where individuals I had known most of my life.

As I stated previously, small mistakes lead to larger problems which escalated on Monday March 29, 2010, when I arrived at the bank to deposit a check in the amount of $2103 into two different accounts. I was assisted at the drive thru window by a mid age and height white lady with shoulder length blondish hair whose name I do not recall. I normally visited the inside and was assisted by the same lady who I normally just told what I wanted to do and she filled out the forms and showed me where to sign and sent me on my way with a pleasant smile. The experience at the drive thru window was not the same at all.

In her defense I believe she intended to assist me fully with my transaction and assumed she had done so when I returned to the bank to complain that I had not been fully informed about the transaction due to my lack of knowledge of bank terminology.

I have been robbed three times in Atlanta and I do not carry cash unless it is absolutely necessary. At that very moment it was not and I assumed when I needed cash later that day I would be able to make a withdrawal from an atm. I am assured she assumed I was satisfied with her service because when I attempted to explain my complaint to her she spent most of her time laughing and fumbling through papers after I was told she could just reverse the transaction and do another deposit and give me the cash I needed.

I waited almost ten minutes while she assisted another customer at the window and continued her search simultaneously, when she returned with the check in her hand and gave it to me. I was stunned. I assumed the check was now the property of the bank and she was giving it to me. At that point I decided to end my complaints of a lack of assistance and customer service and close my account. I would not expect that from any professional and it caused me great concern that she would hand me the check without even discussing it with me.

I waited another ten minutes for the Branch Manager, the mother of my high school classmate, to speak to me about closing the account. I had addressed had stressed on another occasion that Regions was not meeting my needs with my lack of the knowledge in the bank industry. On the day we spoke about the service I also informed her that by mid-summer I will have deposited nearly $15,000 into this account and setting up a two additional accounts with $1000 ea. I also informed her that my mother was a business owner and I would be assisting her with getting her accounts set up which would by years ended began a rotating capital fund of over $50,000. I trusted this to your bank originally because simply, it was local.

I decided that day it would be worth the hassle to just cancel my accounts and move back to the bank I love so dearly. However, I realize also this branch may not be the representation of Regions as a whole. If you will read what I have enclosed you may derive as I have my experience that days was like an episode from the 60s. I am not an aggressor, however I was told by the branch manager for the second time she was sorry I felt that way as she motioned for me to leave(the first being when I informed her of my business venture which would need banking assistance).

I was informed while I waited for Mrs. Bonita M that the transaction was not able to be backed out and re issued because I did not return to the bank with receipts, however I am still not clear on why I was ever given the check again by the original teller and no one ever explained it.

I attempted to respond that I would pray that the God I believe we both love handle this situation for the both of us when she pulled the door together and locked it immediately and fled away. Regardless to where in this world you live that is poor representation for a professional and I cannot imagine a company such as yours condoning such practices by senior staff at the branch level of your banking services.

I plan to make investments in this city over the next five years that will revolutionize the economy and I am dedicated to having it done. I find a huge problem is an unwillingness to properly communicate with others from different backgrounds still exists and there must be change in the minds of the people for my plan to work. We must have a local bank and at this point Regions is far behind the mark with the level of communication needed to retain this customer base. This must be reconciled immediately or the reputation of this bank is in jeopardy for the sake of a lost time.

Proof you want to remain a leader in banking in this small market would be that you retain the small customer. Lets see how you do with this one.

I am a Regions customer since 1995. I received unfair customer service and dissatisfaction for a Regions mistake again. Mr. H laughed at me when I complained, and said he did not want to talk to,me then referred me to MS Cheryl J who did not resolve my problem. I was then transferred to customer service, Sandy and Robert. Mr. David called first, saying he was Cheryl J's supervisor. It is costing more of my time for Region's mistake that Kathy already admitted to. I need directory assistance for Cheryl J's supervisor on the Gulf Coast, Gulport Branch in MS.

Regions Bank charged me $35 because I made a 78 cent mistake. I had two very sick dogs which caused me to have two emergency vet bills. I balanced my checkbook to be sure I covered the checks I wrote but somehow I added wrong and shorted my account a few pennies. I know it was my mistake, and I wouldn't have called customer service except for the fact that it was less that a dollar short. I thought that maybe they have some kind of leeway on what they would penalize people for.

Wrong! They have no conscience. The customer service guy told me that I should have used my check card at the vet instead of writing a check. They would not return the fee because it is just what they charge when you go over your balance. He may as well have said, "Sorry! We don't care about our regular customers, you know the ones that may be struggling to make ends meet. We only care about our customers that have lots of money in their checking accounts and plenty in savings in case they make an error." I really need to get away from Regions Bank.

On March 3, 2010, Regions Bank allowed a non-wage garnishment to be placed on an individual checking account used for receiving ACH's from pensions in direct violation of Illinois Statute. Regions Bank did not bother to see what was presented for deposits in this account and whether or not exempt from any form of garnishment. I realized the problem on March 4 when I checked the automatic teller 1-800 number.

I contacted the Clinton Branch of the Regions Bank, found out exactly what had occurred. I stopped off at home and got the pertinent copies of the pension deposits being exempt but the Branch Manager, Ryan F, seemed not to understand nor would do anything at this time. I finally got the garnishment removed by court order on March 24 but Regions Bank decided to charge me $2,100 in insufficient check charges for the checks I'd written prior to this event but were attempted to be cashed after the non-wage garnishment was activated and returned. Consequently, having no pension check for the month of March and the obstinant refusal of the Regions Bank, Clinton, IL branch, I was not able to make a mortgage payment, utilities, vehicle, water, critical medicines, other due monthly payments and now I stand to lose my house, car, and everything else I've worked towards for 35 years in this community.

I wrote protest letters during the evening of March 26 to the various Regions Bank offices and they should have gotten these. I have made an appointment with an atty. in Decatur, IL in reference to this tragic event and will have answers in the next few days. I've also proceeded processing a Chapter 7 bankruptcy as that previously mentioned was only for $167,000 from a catastrophic medical event several years ago. What really got me upset was the Clinton branch manager of Regions Bank lied to me and attempted to convince me it was all the Levy-Garnishment Department's responsibility. I called the Levy-Garnishment office in Birmingham and learned what the truth really was; it was a local call by the facility manager and not as so indicated to me by the Clinton Branch Manager who obviously trying to toss the blame off of his shoulders.

I asked as well as to what reasoning Ryan F was using to deny the return of the pension funds and with his distorted logic indicated it was not a bank error. I asked for his supervisor's name and he refused to indicate who that would be at the Decatur, IL main bank regardless of several attempts to inquire on this name since it was a secret! When a bank decides to do this to an extremely ill pensioner with severe medical conditions and shows no ethics or compassion in doing what is correct, then such a bank has no business in the financial world but doing what it does best - shy-locking the unfortunate client suffering from the aftermath of a brain aneurysm.

I am writing to inform you that I am currently obtaining a lawyer and will be filing a complaint and a lawsuit against Regions Bank . My complaint is towards "Branch Manager, Elisa" , "Assistant Manager, Elizabeth" , Regional Manager, Cedric and Bob" . They are mandating the employees to work overtime with straight pay and also threatening that if they don't they will be fired or have no chance at all for promotional consideration.

My daughter opened a Regions bank ("bank") account. In 30 days, September 2009, Regions bank charged her account $299 (overdraft, penalties, service, interest fees). The bank automatically enrolled her in overdraft protection, took no action to freeze her account, and took no action to notify her by mail, or telephone, etc. Her account was moved to collections without prior notice. While in Oxford, MS (12/1), I visited the bank to bring her account current, and close the account. I learned then her account was recently sent to collections.

I requested the bank to share the pain; since they didn't explain the services and obligation (automatically enrolled her account in overdraft protection), didn't freeze account, and didn't notify her. This predatory practice (college students) is exactly why Congress passed recent bill, increase bank regulation. The bank failed in its fiduciary and corporate responsibility. Interesting to note that on the bank's website, the first two of five core values is "Do What Is Right", and "Put People First". The bank's core values ring hollow given its response. My request is for the bank to absorb $150 of expense, e.g., $150 refund. My daughter learned a valuable lesson. She works part time and lost $150.

Regions Bank has the deceptive practice of changing the due date of an online web page for line of credit. On February 28 2010, I logged onto the Regions website to review my accounts, checking and line of credit. On that day, my line of credit stated my next due date was 3/31/10. This was incorrect since the actually due date for the current cycle was 3/3/10. I found a $29 late payment fee on my account in mid February. Upon calling Regions, I was told it was from not making my scheduled payment. When I informed them, I logged onto my account on 2/28/10 and the account stated a due date of 3/31/10. They informed me that the online due date is changed to the next billing cycle before the current billing cycle has ended. When I told them that was deceptive, they said I get a paper bill and that is all I need. I find this very offending since I do travel and do not always get a paper bill. I use the online access and payment methods of all my accounts and none of them, Capital One, Wachovia, utilities, change a due date prior to the current bills cycle.

Regions Bank is being deceptive by changing the due date for online access prior to the current billing cycle. Anyone logging into their accounts a few days shy of their due dates would see the due date for the next cycle, not make an immediate payment, and get charged a late fee. The bank uses the excuse that the early changed date is fine because it takes 7-10 days to process a payment. The 7-10 days is for mailed in payments. If I do a bank transfer the day before the due date or go into the bank and use cash the day of the due date, it still would be a valid on time payment. which I have already done many times this in the past.

I tried so many times to get in touch with the executives at the Birmingham office they now consider me unruly and have decided to close my accounts, this is fine by me since most of the Regions Execs are from Amsouth, and as an old Amsouth customer, I closed that account due to similar abuses by Amsouth. I was called about 7 days ago and told I would be given back the $29 and it never appeared. As far a customer service goes, Regions could not care less and even admitted to me they change the due date, which admits to me they abuse their customers. The upper executives have obviously approved this practice and want nothing to do with their customers and the customer service reps actually laughed at me for thinking I could actually get in touch with them about the problems. Waiting to see what the Federal Reserve has to say.

I have an account with Regions Bank and I have to say that I could not be happier. Everyone who is complaining about overdraft fees needs to get over it! Learn to take responsibility for your negligence. When you open an account with any bank, they give you information about their finance charges and all fees associated. I am so tired of hearing complaints about people who don't know how to balance their checking account and blame their inability to add and subtract on a bank that has nothing to do with their lack of intelligence. It is simple. You use your debit card when you have money. You subtract the amount of money you have used, and you add when you deposit. It's simple math. Bankers are not psychologist people, so leave your problems at the door. I can imagine if someone gave you attitude or what not. But, wow, making someone's life miserable for your ignorance is beyond me. I feel terribly sorry for all you bankers out there that have to put up with this nonsense. Get over it.

I know it's my job to keep track of my spending, but I did transpose a number which caused my account to go over $1.96. I was charged $35. I called customer service, she took off half. I have been reading articles that regions suppose to start their first quarter that no overdraft charges will effect $5 and less. I called customer service again and asked about this. She tells me it starts on May 1. We have not received any letters from Regions regarding these overdraft changes.

During the ending months of 2009, our account was hit with fraud for less than $300.00, and it was caught by the bank for which we commended and felt secure. However, once doing all these preliminaries asked of us by the fraud department, we were advised to close our account and open a new one which we did immediately. However again, our old account did not get closed; it was continued to be used by the branch without our permission or knowledge.

The circumstances leading to our knowledge of this are as follow: My husband had $1.00 left in our account at the end of the month. We are on a very fixed income, which is how the bank caught the fraud the first time, because our transactions monthly are very much the same. With this $1.00 in our account, he had seen a credit report available online for the $1.00 and authorized it taken for the report.

Several days later, he saw that this same credit company has hit our account for several $1.00 charges and also for a $59.00+ charge as well. He called the credit company, and they admitted to the fault, and they stated they are putting these unauthorized fees back into our account. Stuart contacted the bank, spoke with Sherry, and let her know all that was going on.

My check is for $227.00; his is over $900.00. However, both checks come together same time every month for years.

Yet, last month only, my check came into the bank, and the bank took the $175.00 of overdraft fees from it and then it sent my husband's check back to social security. The reason they did this was because of confusion over the new account and old account, even though we had called social security and given all new account information for them.

Yes, we have direct deposit. However, the bank chose upon their selves to take my check and place it into the old account which was to be closed, just so they could retrieve the $175.00 of overdraft fees, even though these fees also are not of our doing. We had to wait an additional 2 weeks for my husband's social security check to arrive, and I had no funds, because the bank took them.

Stuart contacted the credit company for reimbursement on the overdraft fees of $175.00. The credit company asked for the bank to fax them summaries to show that their hits to our account caused the overdraft fees to be incurred. We did this, though it took the bank several attempts before they sent exactly what they needed. Later, my husband, Stuart is now contacted by the credit company; and they stated that they stand on the belief that it is the bank's responsibility to replace the overdraft fees of $175.00.

When we contacted the bank to be sure they would return these fees, they denied responsibility and stated it is the credit company's responsibilities to replace the fees. And to this day, this has not been resolved. So to date, so far, we had to close an account and open a new one due to fraud, and the old one did not get closed by our branch.

I lost $175.00 in fees we do not owe due to the bank taking this money from my social security check they deposited into a account that was to be closed, and we are out of my husband's check for two weeks, because they sent his back! Now to add insult to injury, yesterday in the mail, Stuart saw that a non-check item hit our account for $396.88, and we did not have the funds to cover it. So we were charged another $35.00 fee!

My husband knew we did not authorize any such amount to come out of our account, so he investigated and found out it was the cable company--they had mistakenly requested the wrong amount from our bank account. It was to only be $157.00. Stuart called the bank yesterday and spoke with Carol and stated the error of the cable company and to stop payment, etc., so that the $396.00 doesn't go through again, because today I was to receive a direct deposit and we really could not afford for the bank to take this for another error! They did anyway! Not only for the $396.00 but the $35.00 as well, which left our account in the negative and destitute again!

My husband has a doctor's appointment across town he waited one month for, and there's no gas in the car. We had to call our church for a food donation, because we have a son/college student living with us along with our 15-year-old cheerleader and they need to eat! We are on a very strict monthly income, and all these errors, none of our own, have made us destitute until resolved.

And again, I do not understand how the bank could pay a $396.00 request from our cable company when they can see our normal bill each month paid and the amount requested this month should have been questioned just as they questioned the fraud that took place at the very beginning of our opening our account.

In fact, I don't understand how they let the credit company put all those charges through either, when they are not a part of our regular monthly transactions either. In fact, after our first fraud victimization, I don't understand why continued efforts weren't more aware to protect us but actually seemed to get horrifically worse!

The very first fraud was caught, because the bank stated that all those transactions were not typical with our monthly ones and caused alarms to alert them something was askew. Why not with a double cable bill or a credit online company randomly hitting our account? These should have by all means sent off the same alarms.

I am writing this to you now, for my husband has a very bad heart which is the reason for being on disability, and he is now having to lie down and take additional heart meds, because he has been under such stress over these issues with a corporation we thought we could trust but actually has screwed us more than even the fraudulent hits on our accounts by disreputable companies.

I bought a mattress from a local vendor back around Christmas. The vendor swiped my Debit card one time and I signed the receipt then moments later, walked out of the store with my purchase. I checked my account in the computer later that afternoon by computer to find that Regions had charged my account twice for a single transaction. In speaking to the branch manager, they admit that there was an error and also admit that they should not have charged my account twice. As a result, that generated 4 overdraft charges to my account. From what they told me, my account never even went in to overdraft mode. They stated that because they had helped me with an overdraft fee earlier in the year, that they could not and would not reimburse me for the $140.00 in overdraft fees.This was an issue I had no control over.

I am in the process of gathering enough participants for a class action lawsuit. If anyone else has had this occur, please email **@gmail.com with contact info if interested in participating.

On Friday, July 24, 2009 late afternoon, I was shopping in a local mall. I made a purchase for $73.14 at a department store. I had planned to use my interest-free department store charge card to make this purchase, but due to being distracted, I inadvertently handed the cashier my Regions Bank checking account debit card. I did not have enough money in my Regions account at the time to make this purchase, but rather than Region's declining the purchase, the transaction went through, so I did not immediately catch the error. I then made two much smaller purchases at other mall stores, which would have been within my balance had I not accidentally used the wrong card earlier.

When we returned from the mall, about 3 hours later, I called the automated checking system to double check my transactions and balance, which I frequently do after using my debit card. At that point, I realized that there was something wrong, as the automated system was reporting a negative balance in my account. I checked my receipts and soon discovered that I had accidentally paid for my department store purchase with the wrong card.

I was very concerned, and I pressed the option on Region's phone banking system to speak with a live Customer Service representative. I spoke to a "Lauren" and told her what I had accidentally done and asked her what I could do to rectify the situation. Lauren said that since I had an automatic payroll deposit going in that night at midnight, that there shouldn't be any problem, because deposits would be credited first before the pending charges. She also suggested that I might return the items and that would perhaps be reflected on my account as well.

After hanging up with Lauren, I immediately called the department store. I spoke with the store manager on duty, who was able to instantly return the merchandise on my Regions debit card and re-charge it to my department store card right over the phone. I then called the Regions customer service center back again and spoke with a "Yolanda". I asked her to please note my account that I was aware of my mistake and returned the merchandise as well as having an automatic deposit going into my account in only a few hours. Yolanda told me that she would not be able to note my account as "she was not allowed to do that". This was upsetting, but she also assured me as "Lauren" had that since a deposit was scheduled to go in at midnight that she thought no charges would probably be posted to my account for NSF.

In the morning, I called the bank again and noted that there had been a $75.00 NSF charge posted to my account. I called my Regions Bank branch next, fully expecting them to reverse this charge since I had never done this before in all the years I'd had my checking account with Regions. I have never spend money that was not already in my account since opening my Regions account.

I also felt the charge would be reversed because I caught the error so quickly and did everything I could to fix it immediately, including calling Customer Service and returning the purchase. My account was only short for about 8 hours and both customer service reps, Lauren and Yolanda, had said that there would likely be no additional charges to worry about given my direct deposit going in that very night and my excellent history.

However, when the bank teller refused to help me, I asked to speak with the branch manager, "Ben", who also refused to help me. He even went as far as to say, "Hey, it's not our fault you used the wrong card." When I insisted on speaking to his supervisor, he refused to give me his/her name or number. I asked him several times to give me the name and number of his supervisor and after asking him approximately 10 times to provide this information, he still refused and I had to hang up and go to the internet to research the Regions company hierarchy myself.

I then called the Regions Bank branch manager's supervisor, Ryan M., who said he was "the Executive Vice President and person in charge of the entire state", but getting him to return my calls was a fiasco. I left him messages every day for a week before he finally called me back. He returned my call after I left a message saying I was going to report my experience with Regions to the BBB.

He, too, refused to refund the charges and took the attitude of "Ha, Gotcha!" when I expressed my shock at a $75.00 charge. Rather than extend any kind of customer service to me, even in light of the fact that I have always kept my account in good standing over a period of several years, and that the Customer Service call center employees had a different opinion on how the deposit vs. the pending charges would be handled, he basically told me "too bad". He said I should be glad it was a first offense because I was only charged $25 per transaction and that was the customer service "favor", because in the future, it would be $39 per transaction. He would not take into consideration my excellent history with Regions bank and kept referring to the fact that "when you signed up for the account, you signed a contract." It sounds very much like the credit card companies' consumer nightmares one reads so much about in the papers these days.

His excuse for not returning my calls, which I left every day for a week, was "if I'm in the office, I'm not doing my job, so I'm out a lot," which is a pathetic way to handle a customer. If you're going to offer voice mail, then you ought to be returning your calls, or you aren't doing your job, either.

So, next I wrote a letter to Mr. William E. A., Executive Vice President of Retail Banking Division at Regions Bank Corporate Headquarters, 5th Ave. N., Birmingham, Alabama 35203. I outlined my case, told him that it was the first mistake I'd made with their company in all the years I had my account with them, that I fixed it immediately, and asked for my $75.00 back. I never got any response at all from Mr. A.. I simply got another call from Mr. M., who said he was aware that I had contacted Mr. A. and was calling to say that I would still not be getting anything back from Regions.

Apparently, it is more important to Regions Bank to penalize their long-term customers with exorbitant fees for minor, one-time mistakes than it is to provide good customer service and retain the customer's business. I was charged $75.00 for a negative balance of about $100.00, which was corrected within 8 hours. Hmm, pretty good scam going there, to get around 75% interest on what amounted to an 8 hour loan.

I guess I should have known Region's Urbandale, Iowa branch was not high on Customer Service long before now, because of an incident when I came to the drive-up window a few months ago, it was right around 5:00, closing time. I just wanted to drop off a deposit. I could see the drive-up window was still open and could see the teller as I drove into the parking lot, and I assume that the teller could see me coming as well. When I got to the window and was looking in, rather than greet me and let me know if she would still be able to help me, the teller ducked down behind the counter right in front of me, and putting up just her arm. She reached for the mechanism to close the blinds and closed the blinds right in my face while hiding herself below the counter!

I feel very disrespected by Regions Bank at every level from the local branch up to the corporate headquarters, and I believe this kind of customer care is completely unacceptable. I have since closed my account with this bank and would not recommend anyone doing business with them. I noticed on-line that "In J. D. Power and Associates 2008 Retail Banking Satisfaction Study, Regions came in last in customer satisfaction in the Southeastern region," so beware!

Apparently, it is more important to Regions Bank to nick a customer for $75.00 than to retain a long-term customer.

On December 21, 2009, I drove to the ATM at my bank to withdraw some money for last minute Christmas gifts and a gift for a grandchild's birthday on 12/24. I began the process and just after I entered the amount of cash I wanted and pushed the button, my cell phone began to ring. I reached into my pocket and turned my phone to silent and turned back to retrieve my money and it was gone. There was a notification on the screen that I had taken too long to retrieve my cash and I needed to contact my financial institution, the ATM was in my "financial institution's" driveway. I made a circle and drove to the drive-in window and told the teller what had happened and they told me that they could not handle it there, that I would have to call the customer assist number on my debit card and have them take care of the matter.

I went home and called the number on the debit card and told the man what had happened, he looked at his computer records and said that indeed the money had not been given to me and that it would be cleared up by the next day. But until then, the money I had tried to access would not be credited to my bank account. That was okay, no big problem. But I had been a customer of that bank for over 19 years and I had seen employees of the bank walk out the back door of the bank and unlock the ATM many times to service the machine.

The next day, when I checked my account online, nothing had been done. I called the bank here in town again, and was told I needed to call the debit card customer number again. When I called the number again another man answered and checked my account and could find nothing about my call the previous day. He asked me if I had discussed the problem with my branch bank, I told him that I had. He then informed me that I should have had them take care of the matter in the first place.

It was 2 days before Christmas and one day before my granddaughter's birthday. I was getting more and more unhappy. My bank had changed owners a month or so before this had happened, and most of the employees I knew did not work there anymore. I make it a point to treat employees at the places I do business with respect, and the employees at the branch bank were respectful of me also. When I talked to the employees at the bank, I explained that it was 2 days before Christmas and I really needed my money so I could complete my plans.

They were polite and the manager told me he would give me the money I had tried to get from the ATM that day, but it would indicate that my account was overdrawn until the bank could get their paperwork corrected. I thanked him, took the money and signed for it. I still had more of my money in the account but with the ATM withdrawal having been withdrawn on record twice and the overcharge amount applied, I could not touch the rest of my money until the bank had settled their mistake. I assumed it would only take a few days to get the matter cleared up. Wrong!

To make this as short as I can, the day I went in to sign the paper so the manager could give me the money to help me finish my Christmas shopping, he did tell me as I was leaving with the money in my little hot hand that it would take at least 10 days to get my account in order. At that point, I told him that I realized that he and his co-workers had been very polite to me and I did not blame them, but when it was over, I would be closing my account.

It took 16 days, until the middle of January to get my account straightened out. During that time, I received mail from Regions telling me that I was overdrawn and that I needed to take care of it ASAP. I could not use the remaining money in my account because "on paper" it did not exist. Beginning January 1, I began receiving automated calls from Regions several times a day telling me to take care of my overdraft immediately. As soon as I could close my account, I did. Some poor woman from Regions, probably in a state far from Arkansas, called me to discuss my overdraft. I asked her if the call was being recorded, she said that it was. I said "good" and proceeded to unload every irritating detail of my ordeal. I did advise her to find a job with a reputable organization. She had no sense of humor.

My Christmas was not as happy as I had envisioned it to be. A few gifts had to be left in the stores. I am disabled, I have a serious heart problem and it is getting more and more difficult to park and walk into the bank. There was no damage done. However and if it had not been Christmas, getting mad and standing up for logic against "that's just the way we do things now" mentality wasn't so bad since eventually I did win.

Early in January, we received a letter from Regions bank that because we had excessive withdrawals from our savings account, the bank was required by federal law to convert the account to a checking account. I contacted the bank to find out when the change would take place and what the new account number would be. The savings account was closed on January 13 and I had to meet with a banker to get out new account information.

On January 15, I made a sizable deposit to our other checking account at Regions. Yesterday, I received a letter from the bank that was dated January 17 (a Sunday). The letter stated that because they could not verify my husband's social security number, the bank had placed a hold on both of our accounts. The letter also indicated that all checks drawn on the account would be returned unpaid and that we would not be able to withdraw or deposit funds until we provided them with the social security number.

So this past week, the bank has returned all of the checks that I wrote and the online bill pay. Until late yesterday, I had no idea that they needed any information as we have had accounts with this bank for over 10 years and provided them with driver's license and such when we opened the original savings account which they recently closed. So now I have several returned checks while I cannot access my funds.

I have been banking with Regions since I was in high school and since the merger with AmSouth it has been nothing but hell! They charge overdraft fees on all the small amounts from one dollar to three dollars. The fee is thirty five dollars for every dollar or three dollar amounts. So please help me and many more working people just like me. They just took money that I didn't have and just try to keep charging me fees over and over again!

I have an account with Regions Bank in Sarasota, FL. I recently was scammed into paying (4) overdraft fees due to the program that runs the balance system. Apparently, if you have a pending charge, everything that comes out will overdraft your account before that pending charge goes through, and then you will be overdraft for that pending charge. It seems slightly redundant to me. I spoke my claim to a man named Brian B. at the Tara Blvd. office in Bradenton, FL and he gave no concessions nor was he even apathetic about it, or seemed like he even cared. Isn't your motto something like, "people that care", and how do you want to say "thanks for choosing us"?

I pretty much feel the antonym of thanked and it's disheartening that I have to adamantly protest a bank I've had no qualms with over the years. I have been with Regions for several years now and put quite a bit of money through my account this past year, with never even a fee charged to my account. Normally, when someone I know speaks of their bank, I usually say Regions is pretty good to me, haven't had a problem. Now, that statement will change and I am forced to leave the bank that I have become accustomed.

Apparently, Bank of America senses your customers' frustrations and came up with a plan that will hold your overdraft for up to five days for you to get money in your account, makes me want to start a website devoted to showing the pros and cons of you versus other banks. What's the saying, "it costs 10X more to get a new customer than to keep a loyal one"?

I have figured out that my bank is causing me to have excess overdraft charges by putting the biggest debit first so that all the little ones charge fees. I have paid over a thousand dollars in overdraft fees this year alone. The little debits show up online but if a big one comes through the little ones magically show up under that one resulting in several overdrafts instead of one. I have also had two deposits that never showed up that I had to track down and then wait on my money this year.

Regions closed my business account after 7 years of service without any reason. Speaking to bank clerks about the reason behind the closing was that the bank was unable to collect enough fees from our account ( a loosing account) to support keeping it open. We deposit under $10,000 to refrain fees, deposit customer checks into a bank that does not charge for customers returned check fees and we never have any overdraft fees.

I called regions bank on 11/12/09 to dispute a charge on my account that was from Midland credit managers whom I had called and requested a stop payment on a charge that showed up as pended on 11/09/09. Paul the account manager advised he could not/would not stop the pended debit to my account. I called and spoke with two different representatives on 11/12/09 and requested to have the pended charge stopped. The first customer service representative advised she would place the available funds back to the account and the charge would not go through. The call was dropped due to my phone service so I called back and completed the process with the second customer service representative whom advised me of the same thing. With all reassurance that charge would not go through I checked my bank account that night and the pended charge was not there, great right. Next morning not only had the $350.00 charge gone through but also my charge for my car insurance.

I called and spoke with Brigitte on 11/13/2009 that began to explain to me the physics of banking. She advised that when I swipe my card through vendor as debit it automatically sets that amount aside from by banking funds for that amount. So on 11/07/2009 Caposey's caf requested the amount of $22.05 in which base don the customer service representatives information should have pulled from the available funds of $259.57 but since there was a pending debit from Midland on 11/10/2009 that debit request exhausted the funds? My question was if there were funds in the amount of $259.57 on the 7th then they should not be charging me an overdraft fee of $35.00 when there were funds available and that merchant had requested a debit to my account in the amount of $22.05 on the 7th 3 days prior to the debit request for Midland.

So in essence the contradicted herself by saying once a debit is requested the funds are withheld the moment they are requested but only three days later when larger charges remove all of the available funds for the smaller charges that would have cleared? This reminds me of a news report I Heard on bay news nine where the banks were controlling the timing of charges hitting to where the smaller charges would not process until larger charges so as to deplete any available funds compounding the overdraft fees. Please look into this issue and provide any feedback on the rational of the banks processing procedures and or shed any light on the banks fraudulent or untimely processing of claims for their benefit to collect as many overdraft fees as possible.

We decided instead to remove all funds from the account so our money would be safe and reopen another account at the same bank with different account number. In our haste to close the account we made an error, not realizing that there was a bank card transaction of $35 that we did make. Frances made us aware that there was this debit and we immediately came back the following business day and deposited $35 back into the account to pay for the transaction. She said it wasn't a problem. It was only 24 hours.

This is where the problems begin... and multiply. Since we removed all the funds and there were pending transactions that were fraudulent, the bank said that they would give us a credit for the transactions while investigating the related charges. As it turned out, the bank did indeed conclude that the charges were not made by us and they received their money back from the companies and/or individuals who placed the charges to our account in the first place.

Meanwhile as they (Regions bank) were doing their "investigation" they were the whole time charging us, the victims of the fraud, overdraft fees and compounding them , because they decided to pay the companies anyways, despite the fact that we told them from the beginning the charges were fraudulent.

Regions charged us $275 in fees for being victims of fraud! After hours and hours on the phone and going to the branch office, we were told they would "do us a favor" and charge us only half of the fees. We asked why the fees were so high and they told us first that they did not not recoup all the money from the fraud and we were repaying the credit they gave us. Only after making them explain every single charge did they determine that the charges were not from the credit they gave but were fees the bank was charging us for giving us the credit! We thought this was ridiculous!

We didn't make the charges in the first place, we tried to close the account before the charges went through and weren't told that any fees would be on our account because of the credit they gave us! Why should we have to pay anything since none of this was ever our fault? We called again and again trying to talk to someone who had authority and that's when we were told they made a corporate decision to charge us the fees and that could not and would not be reversed.

We asked for the person that makes that decision and were told they could not be reached and hung up on us. Then came the endless phone calls. The phone calls telling us that our account was overdrawn and that there was $275.00 owed to the bank. While on the phone we tried to tell them what happened...the fraud, the investigation, the incorrect overdraft fees... they did not care. In fact they said we had 5 days to pay up or they were basically going to "blacklist" us so that we could not open another account with any other banks. They said they would attach a note to our account that tells all other banks not to bank with us because we do not pay our bank fees.

How absurd! Since when does a bank act like the Mafia? When it comes down to it, I guess Regions and it's corporate office are in the extortion business as well as banking. My two cents, never...ever... bank with regions.

DO NOT do business with Regions in Spring Hill TN. All I asked was to remove at least one of them. The "person" who closed the account (well I thought it was closed) did not advise me of ACH, even though I thought ACH's were changed. Did not know Regions would charge fee too on a closed account!

Excessive overdraft fees on debit use, charged $35 a number of times, for charges under $5 - 22cents off the target. Their charges ate up money that was earmarked for autopayments or debits, and they won't refund more than 1 charge in a year. It was then I found out they do not have live banking and everything is delayed.

I have been a customer at Regions since 2003, never had any problem til recently. My acct. when overdrawn, and I got hammered with fees, I made 2 deposits and that didn't even help the snowball, they have charged me 700.00 in fees. I went to my local branch who told me I had to call the branch my acct was opened, so i did and was told they couldn't help me since it was not a bank error. I have never had anything like this happen, ever and I live paycheck to paycheck and this has devastated me.

I never had a problem with any prior owners but if you take a look at my bank accout after Regions took over you might find it hard to believe. In one month I was charged over $1,000 yes, one thousand dollars in overdraft charges. I am 65 yrs old and still working, like so many of us seniors are having to now days and it just seems crimanal to have these practices.

I own a small at-home business and customers sometimes pay with a check for personalized items. What I sell typically doesn't cost more per customer than $200 at the most with most transactions being in the $30 range. To avoid having returned check problems, I usually just take the customer's check to their bank and cash it there and put the money in the account at my bank. I have never had a problem with this until today when I went to Regions to attempt to cash a customer's check and they charged me $5 for cashing one of their own customer's checks! No I don't have an account there but that absolutely should not matter.

The fact is that the customer has an account there and pays for that account and the privilege of having their checks honored. It wouldn't have cost me anything if I had deposited the check and it went through all the hands and systems required for outside processing unless the check was bad and that is the rub. If the check was bad I would have had to pay fees though the nose and so would Regions customer.

Yes, the check was good at the moment I went into the branch, but if I had deposited it my account it might be several days before it fully processed during which time the check could have bounced. But the check was good, they are the custodians of the customer's money and receive compensation for processing the customer's account transactions so they should fulfill their duties and cash the check without fees regardless of whether it was presented in person on through a clearing house.

Due to the slow down of the economy. My business slowed down as well. Of course the result of this was that there was less money available in my account.

Since I have no real need for this account I called and told them I would be going into my local branch and closing my account the following day since they felt that a loan of .19 cents entitled them to charge me $33.00 dollars.
They offered to cut the nsf in half which I accepted since after all I DID over draw my account. The refund was made and I covered the od amount with a deposit.

Not done yet....

This Monday I checked my account and found that for being overdrawn by .02 (thats right TWO CENTS..) they again charged me $33.00

It is here that I met Mr S. I told him that I was there to close my account due to the fact that Regions felt that $33.00 was a fair charge for the 1 day .02 cent loan that they made to me.

He explained that I should have came into the branch and talked to them. He explained to me that "Banking is about personal relationships" So I asked him the following.

The point that I was trying to make to him was that it was a ridiculous statement when it is obvious that Regions cares NOTHING about it's customers when they feel it is NOT highway robbery to charge their customers $33.00 for a .02 cent loan....

He was very polite as I walked out of his cubicle and bid me "good evening" with a pleasant smile on his face.
I walked out of Regions content that my account would be closed "tomorrow". However, later that evening it occurred to me that he asked me to pay .01 penny more than was actually owed. It then occurred to me that he also did not give me a receipt which showed that the account would be closed....
Being the trusting soul I am, I figured..well I will wait until tomorrow and see what happens.
Tomorrow came and not to my surprise, the account was still open.

I Phoned Regions customer service # and spoke with phone center Rep. (who was actually very nice) I asked him if his computer showed my account due to be closed anytime soon and he of course said no.

At this point I was so disgusted that I just told them to keep it. That I was done with regions for good and that I would tell everyone I knew about what I had experienced...

She apologized..........

we were expecting one overdraft fee since we have something that comes out automatically every month (usually not always on the same day)so we thought there was a possibility of having one fee, and that was fine. checked balance today and there are 3 overdraft fees. this isnt the first time this has happened. What they have done is allowed the larger amount to post first so that everything else that posted got hit with a fee. These other 2 items were already pending and yesterday it showed there was enough money to cover those items,today is a different story,since they allowed the larger amount to post first I now have all these other fees that I shouldnt have. Sounds like a scam to me just to get more money out of a person.They also allowed an UNAUTHORIZED charge to go through once and did nothing about it. They said since we had used our bank card with them before, then they had no way of knowing, so there went another $250 out of my account. Im sick of this I WILL BE CLOSING MY ACCOUNT!!

overdraft over $800.00 Regions Bank. regions has charged me with over $800.00 in overdraft charges. This will get me evicted from my Apartment and who knows what other money problems I am On Social Security Disability . Went to the bank and asked them to stop excepting these Overdraft charges because am account was in the red and they would be adding up. they said sense it was in the red their is nothing they could do. I called my creditor and asked them to stop sending request and they haven't.

I recently have unpleasant experience in the bank. A few days ago, I used the ATM machine of Regions bank, withdrawing some money from international checking account from Korea. And directly put the money into my account in the Regions bank. Two days later, I was told that there is one fake money in the money that I deposited. So I explain that I just withdraw the money and put them directly into my account via ATM. I have the receipts that shows 1 minute interval for withdraw and deposit. What one of the assistant vice presidents said is it is my responsibility putting the money into the account, so they need to check and if it is fake, I lose the money. But what about the officer who put the counterfeit money into ATM machine? Doesn't he have the responsibility for it. I would like to know the bank just check the costomers' money and don't check the money they put into ATM machine. I know there's no proof that I didn't change the money after withdrawing money and putting them into my account. BUT, I just put them into my account, and I am customer using the regions bank. With common sense, people can understand my situation. If it is my responsibility, do I have to check the money from ATM machine all the time to prevent this happening. This is not reliable for the customer like me to use the bank.I have the all the printed receipts on the day.

Last week on Monday night (7th of September, 2009), I noticed a charge on my account that i didn't authorize. I immediately called the customer service number. I told them i didn't authorize the charge. They told me i would have to wait for the charge to go through, in order to dispute it. I asked if there was anyway to contact the merchant so that i could dispute the charge before it posted to my account. They told me there was NO NUMBER! to the merchant.

The next day, I woke up to find a 450 dollar charge to my account for Olympic Airlines. This charge too was "pending". I called the service line again and was told the same thing, "they couldn't do anything for me until it posted to my account". This time there was a merchant number to call. I had to call the merchant myself, and, of course, the merchant didn't have any information and could locate the transaction, even with my credit card number.

I called back Regions and told them all of this. I asked them how they could charge me if they didn't have a telephone number or any way to verify the merchant (for the first charge) and for the second, how could the charge me if the own merchant couldn't verify the transaction?

Once again i was told to wait for the charges to post to my account. I immediately called the police and filled out a report. On Friday (three DAYS! pending) they charges finally posted to my account. Two other charges for "international services" were on my account. These didn't pend at all, they just showed up. All during this time they were supposed to have closed the card, but, from talking to the person on the phone, they didn't do this till Thursday when I called.

Friday I went and filled out the form to dispute these charges. It has now been 6 days. I haven't had the charges credit back to my account.

i called the bank and they informed me that it would post at midnight. So what they were telling me was that if i had kept my check and deposited it on tuesday morning it would have been available but depositing it on fri afternoon meant waiting until wed? This bank is ass backwards and hands down the worst bank i've dealt with ever. I have only been with them 4 a month and am already looking for a new bank!

Im not going into all the details. I just want to make sure you all understand Regions doesnt care. Go in a branch and CLOSE YOUR ACCOUNT. I hear story after story yet people dont close their acct. That is the only way to show them people are serious. $170. Wont happen again to me by Regions.

My mom and I have a shared account with Regions Bank. Unfortunately, we had two transactions on 8-10-09 for $200 each that were fraudulent. They were two separate $200 debits at Walmart in Arkansas, we live in Miami, FL, and my mom made a deposit in our local branch (Biscayne Blvd and NE 36th St) in person, this is 10 blocks from our house, that same day 8-10, and I used my debit card at Publix supermarkets in Miami that same day as well so neither of us could have been in Arkansas on that day.

Filed a claim in person at the local Regions bank, on Biscayne Blvd. and NE 36th street Miami, FL on 8/14/09. The moneys should have been returned in 10 days which is the period it takes for the investigation. In calling Regions 800# on 8/26/09 I found out that the Regions Bank branch manager did not report the claim until 8/24/09! So, we had to wait 10 more days from the date the claim was reported to see any amount returned to our account from the two fraudulent charges. In the meantime our account was overdrawn and incurring NSF charges. We put some more money in to make sure the acct. had money.

On 9/4/09 only $200 out of the total $400, had been refunded to our account. When I called, the Regions rep. told me that the branch who reported the claim, (Biscayne Blvd. and NE 36 St, Miami, FL) only $200 were filed in the claim. Amount which is incorrect and insufficient.

I called today again today Saturday 9-5-09 at around noon, and I found that the bank was holding $400 from my funds, from an "unknown" reason.

They were not able to help me, they told me the department which debited my account was not open to explain what the debit was about.
The rep. told me that maybe it had to do with the claim and that they might have found out that there was no reason to return me the money. But, how can they hold $400 for the weekend, and until Tuesday because Monday is a holiday?

Even if the claim was not valid -meaning that either my mom or I were in Arkansas and in Miami the same day, and the next day, and the next , as there are other transactions made by both in Miami during those days, including going to the bank on the 14th- they only reimbursed me initially $200 so how can they debit $400 from my account without explanation, can banks do that? Take a customer's money without explanation? They are now $200 richer without my consent.

What is worse is that the transaction has no explanation and the customer service department was not helpful at all, they were courteous but firm in that they could do nothing. Not even the manager could help me, do a credit, didn't have access to the explanation of the charge done by the bank, only kept repeating they didn't have any information and that I had to wait until Tuesday to talk to the dept. that did the actual charge. The department that did the debit was open to actually put the charge on my account today but not open to explain why they had posted those charges.

I will file a complaint with the local authorities as well, I will file a police report regarding the fraudulent transactions and the unauthorized $200 debit that Regions took from my account. I have been wasting my time calling the bank every day, they are not helpful, they say they are going to do something, they tell me will file the claim take my information down, and then nothing is done, I only find out because I am checking my account everyday and calling everyday.

I am exhausted, I've wasted my time in numerous calls, their customer service reps have been ineffective in handling my complaints and have only worsened the situation, I am now $600 UNDER! What is worse is they feel they have the right to take my money without explanation! I do not have access to those funds now, even if I needed them for an emergency and I have to wait the weekend.

In close to 50 years dealing with banks I never have seen one so disinterested with the customer.

Everytime I turn around they are hitting me with 35.00 in NSF fees. I check my account and there will be funds to cover the items I have bought and a few days later I check again and I will have 100.oo to 250.00 in NSF FEES? I dont get it. They charge me Nsf fees for pending items that they have not even covered yet why? I dont understand why they cant give a grace peiod on items. Greed that is what is wrong with our economy! I cant pay my mortgage now because I have 250 in NFS fees and I am a single mom of 3!

I just got hit with over $450 in overdraft fees from Regions bank, I checked my records and this makes over $700 in NSF fees in the last 12 months... in Dec. of '08 I checked my balance on a friday night (my VA disability check gets deposited the evening of the last day of the month, the 1st was on monday) and it showed that my funds were available. I went ahead and did my grocery shopping, grabbed a few small xmas presents.

That monday I checked my account and every purchase generated a NSF, to the tune of approximately $250. They refused to refund the NSF fees, even when I showed them a printout of their site showing "funds available". It was a lean christmas for my 3 kids last year.

Now they've done it again; I had $45 in my account, so only used my card for little things, like $5 in gas here, several redbox $1 video rentals there.

each one, it turns out, generating a NSF because of an error in the banks bookkeeping, they pulled the same check out twice.

I'm just a fool for staying with the bank after what happened last christmas; I just thought they would treat a customer of 18 years better than this. ruined my kids christmas in 2008; created economic hardship for the next 2 months. still don't know what the fallout is going to be from the $450 overdraft, I certainly can't afford to pay my bills AND feed my kids (I make too much to qualify for foodstamps, BTW).

In Feb. 2009 We turned in a bank card and we gave them a bank card (they gave us a new card)they told us that the card that we gave them that they stoped it. they did not something still mon.s later is comming in(it is making us pay kots of bank fees) on a card that was stoped ??how --They had told us that they stoped . the card number was dead how come we are having to pay so much (Aug 25 2009 they tried to tell us that it was my card they took my card and got me a new card,now they had to find the card that it was taking this money out of (they said it is(was) our fault.It was them they said we should have new this.she said Fred (which we do not know whom is Fred (now we told her no we are not Fred) we signed a document --

I have been charged bogus overdraft fees. I have been charged fees for pending transactions when only one of the transactions overdraws the account (and is the last to post, therefore the funds are still in the account at the time of the transactions they charged the fees for). I have been charged DOUBLE fees on transactions that overdraw the account, once for the pending charge, and again when the charge posts to the account. I was not made aware of this policy by the bank and only figured out what was going on due to similar complaints on this site. The bank has denied to refund my fees, even the double charges, and has insisted (incorrectly) that I was made aware of the policy.

When I went to the bank to inquire about a refund of the overdraft fees. I was told by the branch manager the computer could not post my deposit on the weekend, but at the same time it could charge me overdraft fees for purchases made on the weekend. I think we should file a class action suit. If someone puts together a class action suit please count me in.

I had enough money in my account to cover 3 transactions. I had a pending debit and some debit for $1 that I have no idea what that is. Well I had 3 transactions that came in last night and they charged me 3 nsf fees because when they took away the pending debit it would not cover the transactions and of course they run the largest one then the small ones to get the fees.

Same BS that I seen regarding this bank and it seems you guys arent doing anything anyways. Isn't consumer affairs suppose to have some authority or is this all BS. I have seen so many NSF's all over the web and still no action on this mafioso bank that thrives on preying on people's money by using fraud to charge people NSF's when they had funds in their accounts. I just experienced this and am furious that they can get away with this BS. They purposely hold transactions or move them around so they can post them in the order they want to so they can charge the NSF's.

My husband recently changed jobs and his check was no longer direct deposited. He put his check in the bank on Friday and we went out to dinner that night using our debit card. We also stopped to get gas, picked up a few groceries... just normal activites. The next thing I know I have NSF charges to our account and I call Regions to find out what was going on.

She told me that since my husband put a check in, and it was not direct deposit that we were charged for each time we used our debit card. Our account was in the positive until they placed the NSF charges! The following Monday the charges for the debits came out, but the NSF charges came out on Friday night... BEFORE the charges cleared! I am sick of Regions! They find every way they can to take advantage of their customers. I have an account at a credit union, and will be closing my account with Regions. How can they charge us the day before??!! I asked the lady about this and even told her it did not make sense, because in the past if I had an automatic draft come through and caught it online before it actually cleared I could deposit money to counteract the NSF fee. She said that it still could be done that way, but you would have to deposit with cash and not a check. Just another excuse to keep the consumers confused... and take their money. I do not see how it is legal for them to charge us NSF fees 24 hours before the debits actually clear!

I made a deposit (2 paychecks) by 11:54 AM on July 2. My company's account is also with Regions Bank in Arkansas. I go shopping at 8:30 PM that evening and my debit card does not go through. The store calls their check cashing company and I'm denied. The bank tried to blame it on the store. What they don't know is when I got home, I called the 800-# and it said I had $51 available and the $1400.00 was pending!!! I had to leave a buggy full of food ($120.00 worth)and I was very angry. I was told if you deposit your check before 2PM the funds are available. My co-worker, has no acct. with Regions, pays $5 to cash her check and walks right out with her money. I have had an acct. with Regions for 6 years and I can't get my money when I deposit on the same day!!!

They said that they had setup my overdraft protection account but didn't. I was suppose to have been setup to pull from my savings. I did not find out until I was charged $280 over draft charge.

my egg nest is gone. i opened a saving acct before hurricane at regions in port sulphure louisiana.out of 11,000.00 i had 60.00 left. never checked on my acct. because i always had a job. then i got laid off and needed some money. well none left. so i field a police report in april then i had to wait until they get the tapes . investergater called me to view . (its my xxxx daughter in law) plain as day. now regions say they cant give me my money back because i filed a claim to late. she was not on my acct. nor did she have my id. it was the same two tellers every time she with drew. every i go to the bank i have to show my id. something is wrong with this picture. i cant even afford a lawyer.

"Fraudulent" NSF OD Fees... My statements still show until this day that the account balance was good either until the NSF Fee was taken out on the first occurrence or never did reach a negative balance even after the fee was deducted... After going into the bank the first time, they pulled up some screen showing this, that and the other... The second time, I called in to report the incident and the lady said she would research it and call me back... So far, she hasn't...

Like many of the other complaints, I have suffered through some ridiculous overdraft charges during times I've lived literally paycheck to paycheck. The final straw for me was how they handled a fraudulent charge on my account. I was phished by an authentic looking email and website and got as far as giving my user id and password. I stopped short when they ask for my card information.

The next day I had a $730 fraudulent charge to E Trade. I reported it immediately and signed an affadavit and was told I would get refunded within 10 business days. That was not acceptable to me and I voiced that because I knew my mortgage payment was due to debit later that day. And despite the fact that they would refund the overdraft fees, that still meant I would have no access to money until the credited my account back.

The young man assisting me at the local branch was doing his best and trying to help but the cold beauracracy of Regions is apparently ingrained in upper management. After being on the phone numerous times with numerous people that day, I got no resolution. Of course the mortgage payment hit I was overdrawn by over $600 and I called once more and this time spoke to the Branch Manager, who was also nice but helpless to do anything for my plight.

I've since learned that is many banks policy to credit the account back and withold a small fee until recovery. Regions doesn't care if a customer has no way to buy gas, eat or do anything even in cases of obvious fraud. So I am done with them. I am seeking a smaller operation where the policy doesn't rule over common sense when a customer has been victimized.

On Tuesday, May 5, I went to the Regions Bank on State of Franklin Road (Johnson City TN) to make a withdrawal from a CD (certificate of deposit). The very helpful employee I usually deal with was out sick, so I met with Mr. Claus B. I told him I wanted to make a withdrawal from my CD and presented the proper identification. He began tapping on his computer. After a few minutes had passed, I said that I wanted to leave the remaining money in the CD at six months, as it had been before. He said "I just closed it out. You said you wanted to close it out." I told him I had said no such thing, I clearly stated I wanted to make a withdrawal and leave the rest of the money in the CD. He told me I could not do that.

I told him I had made withdrawals before and I could do that. He said once the CD was closed it it was "too late." He was extremely hostile and rude. Then he said in a louder than necessary tone, "I made a mistake, all right? I assumed you wanted to close it out." Since when do the words "I want to make a withdrawal" mean "close it out?" How dare a banking employee "assume" what a customer wants? That could be disastrous. Brink continued to be rude. He finally told me he would have to issue a new CD. He acted like it was a lot of extra work and it was all my fault. It's not my fault if he doesn't listen. I found his manner to be rude, hostile, condescending. I will never do business with him again.

I switched from my old bank to them, because many people were saying how great it was. So, I did. Well, everything was fine until Friday, April 24. I deposited my REGIONS paycheck into my account. I was told, BY THE TELLER, that since it was before 2pm, and since it was a REGIONS check, it went through automatically. She lied. On Saturday, I called to check my account, and I was overdrawn by $13.00!!!

I waited and waited.

I am so aggravated that I put my trust in this bank, and, once again, a bank messes up!

I had two pending transactions on my account and two charges go thru I was told that because of pennding transactions The checkes that went tru where bounced and i recieved overdraft fees. The two pennding charges then where charged overdraft fees because the funds where not avaliable due to overdraft fee added twice.

I have been unfairly charged twice for bank fees

On Monday, 4/13/2009, I contacted Regions to have a Stop Payment order issued on a check I had written the week before. I had received a bill in error from Charter Communications. A corrected bill came in the mail the day after I mailed the check for a much smaller amount. Charter advised that I issue a Stop Payment order and wait until it had been confirmed the check was dead before I try to send another payment. I used Regions online form available through the online banking system. I did not have my Charter bill with me at the time, but the amount was not a required field (required fields were dileneated by an asterisk and check amount was not). I filled out the form, with the check number, my account information, and the payee, and submitted. The form showed up in my stop payment list and the fee of $36.00 was immediately debited out of my checking account.

On Friday, 4/17, I logged on to my account via Regions online banking and imagine my shock to see an item in my ledger from Charter Communications. The check had gone through. I showed the ledger to my wife, and she immediately called Regions customer service. She spoke with a representative named Michelle Johnson. After speaking on the phone with this woman for over an hour, much of that time spent on hold, she was informed that the order was ineffective because we did not fill in the amount on the online form, that we would not get our $36.00 back, that they could not reverse the payment to Charter, and that there was nothing they could do for us.

They pretty much blew us off, to tell you the truth, and did not seem to care that we were threatening to withdraw our accounts. Well, that's exactly what we are going to do. We are just one account, just two people, but when we, as paying customers, ask for a service to be performed we want it performed. If you fail to perform the service we pay you for, we expect a refund or at least a good faith attempt to make it right. We're just old-fashioned that way I suppose. Maybe they will not miss our business, and that's fine. We certainly won't miss their outrageous fees.

I can also attest to the other stories here about Regions stacking the ledgers of checking accounts to cause overdrafts for account holders who are living paycheck to paycheck, like we are unfortunately at the moment. This same week, we had an overdraft, supposedly due to my wife's $6.19 lunch tab on Thursday, but we had $31.55 in our account. My statement makes it look as if the NSF charges are what actually made us overdraft. Can someone explain that to me? Apparently, they think we are not entitled to one. Adding insult to injury, just today we received written confirmation of our Stop Payment order. We are done with Regions Bank, and we will tell our story to anyone who will listen from here on out.

$106.00 permanent losses, $67.00 delayed compensation.

worst bank ever. my grandfather who is in bad health gave power of attorney to my dad. My dad had to bring him from Louisiana to Indiana to care for him. My dad had to withdraw money from grandpas account and the bank wouldnt let him stating that his power of attorney meant nothing. My parents had to get my ailing grandfather out of his bed and into a wheelchair and drive him 30 minutes to the nearest regions bank to take care of the situation. I suppose they think they are above the law. Oh and this isnt the ONLY problem we've had with these folks. This is just the one that made me the angriest.

My grandfather, who is deathly ill had to be removed from my parents home when he was suppose to stay put to deal with banking business that my dad had POA rights to do.

I worked as the assistant manager of our local regions bank for almost two years....yes, I know it's amazing that a regions employee lasted more than 18 months!!!! I received a BONUS two pay periods in a row in feb. of 2009 for achieving my 4th quarter goals and for my branch being above the net income goal. The two bonuses totaled more than twice my monthly salary.

However,I was fired on the day of the next pay period after the last bonus. My boss' boss and a weasle from human resources showed up with now warning at all. They came in smiling and asked me to come in my office with them only to tell me i was fired!!! The reason for termination was that the corporate performance review for 2008 had come out and I received does not meet expectations in one of the five categories. How is that possible and yet I was hansomely rewarded for doing otherwise????????? bottom line is that I think its an attempt to cut out my salary.

Just like how they announced they wouldnt be matching our 401k contributions until further notice two days after dowd ritter was given a large amount of stocks as a bonus!!!!!!!!!!! I cant wait to see if my account is debited after my last paycheck is deposited for the 3 sick days I have used since the first of the year. They have done it to 5 previous employees claiming that they had not worked enough of the year to accrue 3 sick days!!!!! Can anyone say UNAUTHORIZED DEBIT!!!!!! They deposit the full amount of your normal pay, and then they take it upon themselves without any notification to DEBIT YOUR PERSONAL CHECKING ACCOUNT for the amount they feel you were overpaid!!!!

They will even take it if you dont have it and cause you to be overdrawn!!!! Is that legal???? Isnt that taking advantage of the situation??? If some other company tried a stunt like that, Regions would do an affidavit of unauthorized transaction and give you back your money within 24 hours...... HELLO is that not the same thing???? I am actually hoping and praying that they are that stupid and they do that to me....... can we say class action lawsuit???? I know of 5 ex employees that this has happened to within a 20 mile radius of me and I am in the middle of no where in the country!!!!

I made a purchase using my debit card. The total was 74.62 on 2/6/9. On March 3 I received a overdraft charge of 66.00. I called the bank and was told by csr that a hold had been placed on my account and then 2 smaller purchases were deducted then the larger amount which caused the ODs'. I watch my account very carefully and when I made the 74.00 purchase I deducted it from my account and this left me with a 620.00 balance.

What I don't understand is I already taken it out of my account. (how many times did they take it out of my account) so no matter what, when it was released the money should have been there. The point of having a debit card is convenience. My best friend works at Regions and has told me that they hold debit transactions and run them through again, often after other purchases have been made. Throwing some accounts into the neg. They do this in hopes that the consumer will think that they (the consumer)made the mistake with the math.

So I mention this to csr said I was wrong and did make a mistake in my subtraction. I said I did not. Mysteriously, the next day the original amount of 74.00 is back in my account-And I am still waiting on them to reimburse me the od charges. I am closing my account with this bank and going to join the credit union at my place of employment.

I paid a total of 154.00 in charges. Can't something be done about this. I guess it is easy to convince people that they, (the consumer) are making mistakes in math.

I have two accounts with this bank, on each account the bank stacks transactions in order which gives them the best and most overdrafts. Recently they chared me fees for a transaction before the transaction causing an overdraft. How can a fee be charged before it exists. Also they made account adjustments deducting 50 dollars and still haven't told me why.

Theft of my money, Prevented me from moving to another bank with penny scam.

I opend an auto loan in 2003 with Amsouth bank and shortly afterwards Amsouth merged with Regions. Well, to make a long story short, I paid off my loan in full to Regions in July of 2008. To this day(2-28-09) I have yet to recieve the title for my car. I have talked with several Regions Bank reps about the location of my title and still no one is able to give me a direct answer or admit any type of fault to why I haven't recieved it yet. I just spoke with a rep from Regions again today and was told that I again needed to speak with another Rep on the following Monday. I am really at my end with this bank but sadly enough, I'm at their mercy and there's nothing I can do for them but Dance!

The bank did not send my tax statements for interest earned last year (2007).

Just got notice from IRA that I owed for the $4,200 interest that I earned. This amounted to $1,100 of unexpected expenditures.

I called the Regions bank customer service line to make a payment. I had called on the previous month to update my address and apparently the information I gave was not entered into the system. When I contacted them this morning I was on and off hold for a little over an hour. When I finally was able to speak with someone about my payment, I was once again wrong. Supposedly the lines were crossed and I listened in to a conversation from a man that lives in MS that owns a Mustang and owes 8452 dollars on it. I hope that he finds this website and reads this complaint because he has a very valid lawsuit.

The call was at 8:54 approximately on 2/2/09. He spoke with a lady named Kelly in the bankruptcy department and I have many more details. I wish that I would have paid more attention in the start of the conversation so that I would have gotten his name and phone number but I was to busy being irate at the fact of being on hold for over an hour.

When I called back and spoke to Kelly about what I had overheard, she was very concerned. She put me on the phone with her manager and I told him what had happened. he simply swept it under the rug and didn't seem to be that bothered by it. Of course, I guess I should be proud. They took away the $20.00 phone payment fee. WOOHOO! I just overheard a conversation which causes a breach of confidentiality. My question to them was simple. How do I know my information is safe? He couldn't give me an answer after what had happened.

I contacted a Lawyer after the conversation and I hope that guy reads this and we both can have an opportunity of a lifetime. Breach of confidentiality!

Regions bank management still does not understand the TIME OF Transactions! & who is in possession of said funds! They charged my NSF fees ( over 500.00) and there reason was they needed to verify funds .. the funds in question have been verified by the USA treasury, i deposited cash, before i used my visa! Then a deposit of 300 dollars cash was never deposited. it got lost and I'm out the 300.00 that i saw go into their ATM!

I am trying to sue them for false statements and punitive damages for: one reporting false information, 2 stealing (nsf me funds when it was in their possession in Regions bankS!) and 3 the right of innocent until prove not! They can't since the time of deposits were in "THEIR POSSESSION " before the time of visa and atm transactions! We are talking about transactions less than 20 dollars! gas $8, ice $2.35, $15.00 etc.

After dealing with bank managers, local and for the area, they said get in line to sue if you want to . We will continue to do banking in the way of withdrawing transactions before depositing transactions. Regions is not a bank! it's a scam! I define a bank as a company that holds funds and releases funds " when I ask to do so". They have treated me rudly and drop my calls, transfer me back to there main line to start all over again, this has happened countless times since the merger with AM South ..

Regions is the poorest quality run company I have ever had the misfortune of ever having the mispleasure of ever banking with! thank you consumer affairs. I wish you had as much clout with banks as the USA treasury And the NICA.

The Regions Web site is pathetic. It is the most convoluted, confusing, and useless Web site I have ever seen. This is close to a joke. One example...they still require signing in with your SS#...with hyphens of course. There is nothing useful about it.

Just disgust

I was told by the accounting dept that they will put through the largest withdrawal first and then put through everything else so they can charge the overdraft fee. My check is deposited on Friday and the money is available after Midnight on Friday. I know exactly how much I spend and I always come up overdraft. I have complained to everyone who will listen.

On one occasion I was withdrawing $300.00 out of my account using the ATM machine located at the bank. All I got was $20.00 they made me wait 2 weeks to get the $280.00 that was deducted from my account. They took all that for overdraft charges when it was their fault. I received a letter threatening to close my account because I was over the limit of what they allow, I checked my account on the date they say I was overdraft and I was in the plus. If I was overdraft it should have been about $317.00 they said it was $614. There is no way, but yet they won't tell me where the charges came from. This was on 12/22/08

I am unable to pay all my bills on time, causing my credit to go in the neg. Every time I get paid I have overdraft charges and I can't live on the amount of money they leave me with.

I have a car loan through Regions bank (started out as Amsouth). My payment is due on the 10th of each month. There is a grace period of 10 days and I usually pay it around the 15th. Each month without fail I start getting calls, sometimes several a day, on the 12th. When they ask me why it is late I tell them their 10 day grace period policy. They seem offended and are extremely rude with me. Even though there is a grace period they have charged several late charges to my account and will not remove them.

We also had a checking account with them and we closed it two years ago. This year we received a bill for $30.00 for a maintenance fee for our revolving credit account (overdraft protection attacked to the checking account). I ignored it since I knew we had closed it two years ago. I eventually paid it to get them off my back but they reported me to the credit bureaus and put a mark on my credit report. I reported them to Creditreport and it was taken off all three agencies reports. I received a check this past week for $30.00 from Regions. I will never do business with Regions bank again.

Raised my fixed interest rate on a credit card on an account that has been closed for almost a year from 5.99% to 14.99%, can they do this?

I could not complete my tasks with Regions and Bank of America. Kept sending me to Yahoo search. What are these banks doing with all that money they got from the taxpayers? I think they let too many people go. They should get rid of the cheating so called management. Service stinks.

I don't like them giving me the runaround.

I made purchases using my Debit card..I check my account everyday to make sure everything has come out and everything thats pending there's money to cover it. Well I purchase items about two weeks ago and today she tell me it just posted which cause me to go into o/d of 245.00. I know it doesn't take in item that long to post so I guess they wait until your account is low so they can send it through to make there money. The reps are very rude as if they just don't want to be bother..

My job laid off because of this economic that was my last check. I don't have money for my kids christmas now..

Their customer service is the worst. They do not offer 24/7 customer service. They do not want to work with the client in any given situation. They say they made a profit this year. It really comes down to feeing the clients to death. They are not perfect, yet they expect you to be. They want to fee you for everything.

My account was short 79cents and for this reason I was charged $35. I spoke with one of the Supervisors by the name of Joyce Pride, and she could care less for my situation. She told me you made the mistake so pay for your mistake. We are not here to help. Your calculations were wrong so we will not help. If management feels this way, I see why the employees could care less.

The fees are taking money away from my family. So I am going to put an end to this. Good bye for good Regions Bank, I have become much smarter. [They] told me I was dumb banking with [them], now that I am leaving I feel like an intelligent individual again. Thank you,

One of the first policies they changed was the 2 pm cutoff. It used to be with Regions that as long as a deposit was made before 5 pm that it automatically went in that day, be it check or cash. However, when they changed it to 2 pm they did not let their customers know about this and many, including myself, ended up with overdrafts. When I questioned this, I was told that "we can change our practices at any time" and that "we have it posted in all of the banks". I then went to nearly all of the banks in Huntsville, AL to find these postings and could not. I did finally however, find a notice posted on one teller window on the other side of town. The notice was posted on a piece of paper (cardboard) that was about 1 1/2 inches wide and approx. 7 inches long. The background was BLACK and the tiny text was GOLD in color. This black and gold piece of paper was posted in the corner of a tinted teller window. Even LOOKING for it, I could barely see it as it just blended right in.

That was a very sneaky business practice, but then again just think of how many customers have had to pay overdraft fees because of their change in policy? Because of a "pending" auto payment and do to them paying out funds in order from LARGER to smaller and not in order they were WRITTEN, I ended up with 2 rounds of overdraft fees. One for $68.00 and another for $195.00. The 2nd set of od's were BECAUSE of the first. The person I spoke with in one of the offices inside the bank dropped the $68.00 od but took nothing off of the $195.00. I was very upset about this and had mentioned it to a teller that I had dealt with most of the time. One that did not have the material posted on her window as there was no material posted in my branch at all. She had informed me that the tellers were always told to "TAKE THEM OUT OF THE WINDOW". Was this a shady, sneaky practice or what? Apparently they were in the business to rack up as many overdrafts as possible. I considered that to be "THEFT BY DECEPTION", as they were being very, very deceitful about the change in policy.

I was going to close my account, but Regions is the only bank that's close to my house, my job and my daughter's school. As money is very, very tight and I have to plan all of my trips I simply cannot afford to drive to a bank that is further away. I see a lot of people on your forums saying to "not spend money you don't have", etc. etc. But I, like many, HAVE to spend money that I SHOULD HAVE available as my bills will not wait until THEY decide to release my funds. If I put a payroll check in on Wednesday, then I do EXPECT to be able to pay a bill on Thursday. I feel that so long as I remember that they SUCK and will sock it to you any chance they get and be sure to play by the rules, and not spend any of my money until THEY decide I can, then I will be okay. But every now and then they still get me.

I recently deposited a large check @ Regions bank.I had an existing account(a DBA)and was told it would be better to open a personal account, which I did. With the funds of the check I wanted to obtain a CD put $10,000 in savings, $5,000 in my existing DBA account, and the rest($15507) in checking.The person I dealt with said a hold would be put on check, to which I said I needed some of the funds immediately, and they were aways putting holds on my checks and I was getting tired of it. I had deposited several checks from same source in the past and so has my Father. we are employed by same company and use the same bank, which makes them very familiar w/the checks.

Another associate agreed to sign off on check and made the funds available.transferring the funds to my DBA account, savings, and new checking. I was told ther was no hold on check and all funds were available.I was also told that if there was a problem I would be contacted by telephone,(I was never contacted). A few days later after receiving my ATM card I tried to make a withdrawal w/card to activate it. Insufficient funds flashed on screen.I contacted Bank and was told a hold had been placed on check by back office probably due to fact my DBA account was overdrawn. It wasn't overdrawn when this all started but payments made after $5000 was supposedly transfered to it had placed it overdrawn.

My statement on new checking acccount did show -20,000 it now shows -$11,130 over $8000 have disappeared my DBA is still overdrawn nothing is showing in savings which was supposed to be available to cover checking account. I was told they were looking into it, but I would be liable for overdraft charges. Over the years many times my account has been charged overdraft charges when I thought there were funds available. the way Regions holds checks back does not post deposits and runs checks through when account is low makes it physicaly impossible to balance account. One thing it does do is create enormous revenue for Regions Bank , because they have millions of customers and I'm sure this happens w/most of them.It also cause enormous stress and aggravation for the lives and families it impacts. This does it for me, I'm going in! It's not going to be pretty. I doubt I get satisfaction without court system, which is to their advantage, so I'll probably withdraw wht I have left and go elsewhere.

Earlier this month, five pending transactions hit my account and NONE of them were authorized. NONE of them went through, but because I was close to $0 balance and went overdrawn just because of the pending transactions, I was charged $70 in NSF fees. Regions gave me a credit for one, but would not credit the other. Just this week, I had two transactions in pending that I had money to cover. A third put me over my balance. These transactions were authorized and I felt the $35 fee was warranted.

However, now they are charging me $35 fee for the other two transactions that were there first. So, even though I had money to cover two, because the third went through first and already incurred a fee causing me to go overdrawn again, the other two are now going to get charged. In total for this month, Regions has charged me $105 in fees that they shouldn't have. I am done with them. I'm going back to my credit union.

These fees cause a domino affect for me. Because of the earlier fee of $35 that wasn't credited back, I was short the next week for transactions that were already in progress and now I'll be even more short next week because I'll be out another $105!

My wife and I with our 3 children recently moved.

Before doing so, being so close to the end of the month, meaning the 1st of the month was right around the corner, we carefuly budgeted ourselves for this move, so we wouldn't cut ourselves short for the 1st of the month. Every penny at this point counted therefore we counted each. Not knowing at the time Regions was too. (For their own purpose). Here it is the 31st, my direct deposit posted today, we were supposly still doing good (by our records) the 1st is looking better than we thought.

I get online to go on with my reconciliation of the month, budget the upcoming month, when low and behold my account is negative 51.00. When my direct deposit went through, I was negative $560 and some change. I couldn't believe it. Screamed for my wife - (her being a bookkeeper) asked her to review, of course she couldn't make heads or tails of the entire situation not for sure if it was the tears or the shock. She quickly grabs the calculator goes through our records - then the online register - then prints out a bank statement.

Back on the 22nd of Oct, Regions charged us $105 in NSF when were had a positive of $14.99. Granted we knew it was going to be low, On the 23rd a debit charge of $9.03 was posted and yet another $35 NSF was charged. On the 24th my Direct Deposit was posted, and the negative was with drawn. Now on the 28th I was charged $280 in NSF then on the 29th another $70 in NSF and on the 30th yet another $70 in NSF!!!

I am not a rich person, my wife and I happily live just a little better that pay check to pay check, but only by sticking to our budget. My entire paycheck for one week went straight to NSF which clearly snow balled only because of the $105 in the beginning.

So my wife and I, race to the bank before they closed. Make it (my wife is fired up with foot tapping - when she gets like this she usualy doesn't give in so I thought, "I sure wouldn't want to be that teller). We get in the bank, my wife whipps right past the tellers and straight to an office, tells the lady our situation and wants her to review our account.

The lady does, and then explains that it was pending charges, and we should pay extra special attention to those pending charges. My wife left her no way out, explaining how good you charge NSF on a positive balance. The woman does not proceed past pending charges. My wife explains that when the $105 was applied that our negative was only $90. So that itself shows their mistake.

But nope the woman is still blaming us and pending charges. Now I do not have any money at all. I am outstanding $51 to Regions, with 2 other checks coming through. My records show I should have $667 to the good. I worked an entire week for nothing. Only to pay Regions who is suppose to be working for my money.

There has to be something legally we can do. But how can we afford it now? I have no money for food for my children, and not for sure how I can even afford to get to work for a week. Not to mention the bills that are due on the 1st. I am closing my account this is for certain.

I am going to see the Branch Manager monday, I will get my money back so sort of way. I have to. My family will not survive!!!

The first time this happen, the girl in Accounting deleted the overdraft fees as I was at the point of going over the hill!!! She was sorry that it had happened!

I feel very used and abused!!!!

I was paid for a small construction remodel job by a client with a check drawn on Regions Bank. When I went to Regions to cash it, the teller told me she was going to withhold five dollars because I did not have a account there. I refused to allow her to do so, the branch manger ordered me out of line, when I refused to step aside, they called the police who escorted me out of the bank.

I have sat in the conference room of that bank building for years, closing loans on homes that my company has built in this community. I believe that Regions is the third or forth bank to be in that building. My point, I've been here longer than they have and God willing will be here long after their gone. A loan officer with Regions told me the following week that that is their way of getting new accounts. They tell the customer if they will take a few moments to open a checking account, they will cash their checks at no extra charge. Damage, just the humiliation of being escorted out the front doors of a bank by two motorcycle cops.

My account is being charged NSF fees when my account balance is still positive. I have made cash deposits then used my debit card and been charged an NSF fee. A bank employee told me off the record this is a scheme the bank uses to make money.

This past month alone I have incurred over $300 in fees. I have paid more than $1,000 over the past few months.

regions stinks.i have watched my pending transactions disapear and not be withdrawn from my account.they hold them untill you are low in the account and send them through.they like holding most transactions untill monday night.alot of my debits that we use earlier in the week dont come through untill then.they are very crooked.i want feel sorry when they go under due to the banking crisis.

I have had this terrible situation happen to me three times since the regions/am south merge! It had never happened before! I have been a regions customer for about 10 years or more. I have had three different occasions where regions has taken several of my debit transactions and held them until a transaction came through that would put me in the negative. At that point...I was charged $210.00 in overdraft fees for all of the debits when there was enough money in my account to cover all of them except the last one. I have had this happen to me three different times.

Each time I contacted regions to find out why they were holding my debits. They said they are not. They said debits are processed in real time. If that was the case...Then the first five transactions would have been covered. Then I was told that the merchants do not process the debits. That is untrue. I contacted one of the merchants that I had done one of the debits with. How can it be possible to have $468.00 in your account. You use your card five times using $400.00, then you make a mistake and use your card again for a $70.00 purchase...yet instead of being charged one overdraft fee...you're charged six overdraft fees.

They are holding debits until your available balance is overdrawn and then say that your available balance was not enough to pay any of the debits. Then on top of that...The transactions were done over the weekend...so I made a deposit over the weekend. My deposit should have been processed first, but wasn't. This whole situation should have not happend. They are just robbing their customers.

The consequence of this for me is just that my bank that I've done business with for years has taken money from me that I didn't have. They have lost my respect completely and I fully intend to close my account. I also would not reccommend them to anyone else...ever!

Hey guys I am a former employee of Regions bank. When I filled out my application and went on the interview it seemed like a very good company and there were many opportunities. Well everyything isn't as it seems, it is true about the overdraft limit and Regions do not like to refund fees and most of the time the associates cannot waive fees, you have to speak with a supervison who probably is not going to be around if you were to ask to speak to one. I worked in the call center/ cooperate office. There were so many things that I've seen and I am a positive person which means I surround myself arround positive things.

Regions is losing so many customers per day. Regions Cooperate office are filled with racist individuals and hate to see some acheive and accomplish a goal that doesn't have anything to do with the company. I had a young supervisor and a young manager that didn't care about anything and when a company has those type of people working for them there is a need for the customers to be concerned. When I was hired I was told that I would be able to go back to school with no problem.

When it came it for the semester to start they would not adjust my schedule and told me that school isn't for everyone. The time that I was employed there I developed this sharp pain in my stomach and in my back, I was back and forth to the hospital and used up all my sick time in a period of 3 months. My doctor then came to the conclusion that whatever or whoever was causing so much stress I needed to let go. I went into a meeting with the manager of the call center and she tells me that my sick time is inconsistant.

I then told her that if she wanted to speak on inconsistancy lets talk about how I would get wrote up when I car pool with my neighbor for being late but my neighbor never was written up. She then changed the subject and said that if I wantted to go to school they would do whatever it takes so that they may accomendate me. This has been the worse experience I have ever experienced and will not encourage any one to even open an account there. I believe in loyality and regions is not loyal to their customers or employees. That place was a total disaster so one day I just up and quit.

in june i made my car pmt to citi bank. My payment was rdcieved on 7/1/08. Well I went about my merry way then on 7/23/08 I check my balance and it looked to me my direct deposit went through, so i paid more billis. When i checked my balance on 7/25/2008 I was 57.00 in the hole. When i called the bank, I found out they had not posted my car pmt till around 7/23/08, so what i thought was a reflection of my deposit was not, I took them 23 days to post my pmt to my account.

So on midnight on the twenty third they posted that pmt. along with my other debits so when My direct deposit went through on thusday they took 355.00 in nsf fees. When I went to the bank Ms Gammon could tell me why they waited to not post the pmt for 23 days, and why thy hustled other debits so quick. She said I should get my nsf fees back in fact she posted 70.00 back to my account then, However she admitted they should not have done that and said she was sorry, But some lady named melissa would refund the rest said it was my problem.

355.00 in un just nsf fees, I am a diabetic and cant buy meds until next pay check, so now my blood suar is out of control until then

Regions Bank is using what they claim is a consumer feature called a 'Overdraft Limit' that pays incoming charges no matter your account balance. It will pay up to $500 in charges after your account is overdrawn. Regions is charging consumers anywhere from $33 to $35 for each paid item under the 'Overdraft Limit' feature.

This feature should not be confused with Overdraft Protection. Overdraft Protection is a feature that links accounts for overdraft coverage. Service Reps make this confusing by trying to tell you there is no 'Overdraft Protection' feature on your account, but not tell you of the 'Overdraft Limit' feature. You can have the 'Overdraft Limit' feature removed from your account, but the customer service rep at the 800 number will tell you that it can take 3 to 10 days to remove. This is untrue. Your local branch can remove it immediately. Regions is purposely hiding this fact.

Additionally REGIONS BANK WILL RE-APPLY THIS FEATURE TO YOUR ACCOUNT AFTER 30 DAYS WITHOUT NOTICE IF YOUR ACCOUNT IS IN GOOD STANDING AND NOT OVERDRAWN! We believe this is a strategic attempt to gain fees from you in the future. We also believe that this action may be construed as fraudulent if a complaint were to be made at the County level (lawsuit).

We were told 'off the record' by certain Regions employees that this is a fee strategy handed down from the upper level leaders of the bank. Furthermore, certain employees have given us private email addresses to let them know how our complaint with the state turns out as they are also frustrated with consumer complaints. Regions Bank has crossed the line between ethics and greed.

Regions refuses to settle.

I called this bank with a fraud report of an unauthorized debit purchase that I found on my account over the weekend. When I tried to tell them that there was an unauthorized debit on my account, they told me they couldn't do anything, won't refund my money, and will not reverse the overdraft charge this caused. She hung up on me. I'm not happy with their treatment! Never hang up on anyone!! What happened to the customer is always right? It went to school with bad manners I guess.

The loss of tuition for nursing school. The loss of income, high blood pressure, chest pain and aggravation.

I opened a checking account and Orrin sent my book of checks to my old address. He stated that he had to change my account to keep anyone from using my checks. My payroll auto-deposit went back to VA instead of being deposited into the bank account set up by Orrin. My bills were mailed to come out on or after the date of my payroll deposit. They all bounced with late fees, return fees, and my checks wouldn't be accepted by my creditors. (The reason for getting the account was to pay bills easier than going to get money orders all the time).

While the bank slowly responded by removing their NSF charges against me for their mistake, they were very slow to refund any fees that I incurred. Furthermore, they didn't honor the checks written and I have had to borrow against my paycheck using payday loan services that have cost me $60/every 2 weeks since 03/28/08 until now, as well as, moneygram fees to creditors who would not wait on the bank to figure out if they'd refund me or not. My payments were to my dentist, who I don't go to see anymore since the check wasn't honored by Regions, to my car loan holder, who allows no time for late payments, but would repossess my car given the chance, and to my rent managers, who showed no mercy and will not accept any checks from me.

I've suffered stress, loss of time going to the bank, gas fees from running around for loan offices, money orders/moneygrams, and the great loss of money just to keep my debts current from the initial mistake of Regions Bank who sent my check back to my employer. The amount of $70 was the only reimbursement stated that would be given for NSF check fees assessed by my creditors were refunded. This amount is rediculously low compared to the $60/every 2 weeks that I've lost while attempting to help myself recover from the banks mistake in not allowing my payroll check to go through so my checks would clear by 12N on 03/28/08 or 03/29/08.

$488.60 plus gas expenses, time, and stress as of 07/04/08 have been lost besides the $70 dollars the bank states they repaid me in my account.

This bank possibly has the worst customer service I've ever experienced anywhere. They "absorbed" the bank I was doing business with (this is a business checking account)they also wound up buying two mortgages and two loans that I had with other banks. (I am getting ready to cough up the money to refinance my mortgages to get away, if that tells you anything) I do business with multiple banks and none of them have the problmes that this bank does. First, they were applying all of the monthly payments to one of my mortgages to "principle". I regularly pay extra on the principle, but they failed to post against the regular amount due.

So in three months I get a foreclosure notice from their attorney. I mailed the attorney my canceled checks and said, see you in court. I sent certified letters to every member of the board, to the general counsel, and to their CPA firm. I get not any response at all. The only way I ever finally resolved it was that a friend knew personally a branch manager in another city - I had to drive there, take all my records and then write them a check for the whole amount they showed due (to prove that I wasn't destitute and trying to rip them off) and he actually went to the trouble to find out that they had in fact made a mistake.

DO NOT DO BUSINESS WITH THIS BANK! There are a million places that you can get free checking and any service you want and they don't cheat, screw up or if they do, they apologize and treat you like they want your business. In more than 30 years of business I have never been more outraged by the business practices of any establishment than I have with this bank.

Regions Bank has decided to place 3 day holds on ALL deposits including Social Security and Stimulius Checks resulting in me losing out on around $2000! My husbands SS Disabilty check goes to my business account and they ate it up in NSF fees. Today I got a NSF notice from a check they bounced 10 days ago stating my balance was 754.oo and a non check debit was presented for $20 and it was paid however I was charged $36 for doing so.AGo figure.

they have NEVER done this before an dI deposit money almost daily like I said it is a business account. They also sent me a notice saying they paid a check and charged me $36 and it was returned. In the short they beat me out of $2000 I have no money to pay for my sick husband's medication as he only has Medicare part A and I don't know what to do! They gave no written notification that they were changing this policy and they need to be stopped. I took what money i had left and went to a new bank that doesn't do that. Someone needs to regulate these banks as they are robbing us poorer people blind!

I had a positive balance in my account. No worries. I went to the grocery store, again no problem I had the money. I got home that night and totalled up what I'd spent. When all my monthly transaction would go through I was going to come up short so I went online and made a transfer from one account to the next. Apparently Regions has a policy I was unaware of. Supposedly if you transfer money online it shows immediately. Well with the debit card transactions I had they placed a hold on my account and took the money out of my account in theory but not on paper so I was showing a positive balance plus my deposit and went on about my business.

Two days later I'm depositing more money so I could write a check for my kids' daycare and the teller told me I was overdrawn by $253. I almost had heart failure. On my statement and the teller themselves couldn't explain it since I always showed a positive balance. They said it must be that I used my debit card and they held funds out and deducted the actual transactions after that. I have been depositing $400 a day trying to get ahead of this mess as we were in the middle of moving and I'd originally deposited about $4000 to cover my moving expenses. So far this week I've deposited $1200 had $600 in transactions but I've had to pay $610 in NSF charges and I'm still overdrawn and more checks are going to be coming through. This is a staggering amount and I don't know what I'm going to do.

I yelled at a women in Regions the other day that this is like paying for each transaction four times. She said no I only paid for my transactions once but all my NSF I owed them once so its fair. Is it fair to have a positive balance never get overdrawn and see out of nowhere $610 of NSF fees pop up and cause your account to be overdrawn. I never got overdrawn the NSF fees are what caused the account to be overdrawn.

I've never in my life had as much trouble as I've had with a bank as I've had with Regions. I do work in finance and the banking industry and I used to work for a bank that was bought out by Regions. I have to work with many different accounts and banks and Regions is the only one I've ever seen this type of stuff with and I've seen this same thing with three different customers and now it has happened to me. When I saw it with other people I kept thinking it must be some glitch on their part. Not so.

Um, well I have a special needs child and I had to forgo his medication this week. I haven't been able to grocery shop since last week. Tempers are at boiling points in my home. I couldn't even give my child lunch money this morning and found a pack of peanuts for him to eat in the cupboard. We moved Sunday so I have no food in the house. We are all in a panic. We basically can't live until this is fixed and Regions refuses to even meet me halfway. They allowed me a refund of $70 of the $610 they took.

About a month ago I began a new job. My new employer had to go through the standard procedure of setting up direct deposit. Therefore, the first check was a "live" check and was a couple days later in the mail than I anticipated. I had gone almost a month without a paycheck and my account was in the negative. It was on a Friday. I was supposed to be in Kansas City, MO on the following Monday for a business meeting. I was going to have to use my debit card for hotel and trip expenses.

THEN, two weeks later, my employer unfortunately hadn't got the direct deposit right yet, I get another "live" check. I deposited it this time, funds were available the next business day, all was good. I used my debit card over the weekend, several times, 12 to be exact, gas, food, electric bill. I watched 12 transactions post to my account through the following Monday and deduct against my available balance. On Tuesday night, my house note posted, I was short about $100.00 to cover the house note. But THE BANK decided that it was in my best interest if they PAID the house note. Well, that's good. I have other banks cover a check before, but I've never had a bank cover the BIGGER check and then consider the other 12 transactions as secondary, and charge NSF Fees for those 12. Other banks charged me for the ONE check that posted when there wasn't enough money in the account, but I've never had a bank prioritize transactions in that manner, because it's what THEY think is best for the customer. 12 NSF Fees was $420.00. $420.00 ya'll. And a couple days later some debit activitiy for $6.00 cleared and they dinged me another NSF which put me in the negative about $500.00.

Because I have had several NSF Fees on my account over the years, they won't budge on giving me the money back. One branch manager pulled out a check ledger and started explaining how to balance a check book . . . I had to just walk away . . .

No other bank that I know of does this. Even the Customer Service girl that I spoke with told me that she has worked for other banks and to her knowlege Regions is the only one that "Prioritizes" transaction, in the best interest of the customer . . . from their perspective!

12 months after I filed bankruptcy Regions gave me an offer to settle my auto loan. My settlment payment cleared 2/16/08. As of today I have not received my title. I have called numeours times. These are some of the responsed. 1. I did not request the title. 2. I have a balance due. (this was written in the settlement agreement) 3. The request was sent down on April 25th (75 days after I paid the settlement) and that I should receive my tittle before the end of May. As of today 6/13/08 I have not received my tittle.

I could not lower my car insurance. I could not trade my car. I haven't checked my credit report yet but once I do I think that Regions bank will show an outstanding balance.

Shop around. You will find a better one.

I received my bank statement on Sat 03-22-08. I saw it was not right and found out that a deposit I made on 2-22-08 was not showing. I went to the bank and when they found out I did not have my receipt they said there was nothing they could do to find my money.

I am out $975.00 cash! These day with everything going up so much, I don't know what to do. I can't afford for the bank to lose that kind of money. I have banked there for years and never had any trouble, but since Regions took over it seems things are going to be different. I just ask for everyone to pray for a miracle.

NSF fee as of 800am only one but more sure to follow.

I received a NSF charge on my bank account. At the time I had very little money in my account but enough to cover things so I thought. The next day I received another NSF charge again. Both were for $62.00 a piece then the next day I received another NSF charge for $93.00. I know good n well I had money in the bank. I have not bounced a check in years untill now. OMG now I have another check coming in and it will also bounce even though i have an outstanding amount of money in my account now. I sat down and cried like a baby...I am so frustrated about this Bank. Monday I am going in and closing my account.

I am on disability from social security with no other means of living. Not sure how i will make ends meet this month. I wonder how many others have the same situation as I do.

This caused my house not to be over 30 days late and has dropped my credit score and damaged my creditably with my mortage company.

This particular instance resulted in $93 INF charges when the account balance was positive. I have talked with several people that have had the same issue. Some have been charged more than $300 for overdrafts of less than $15.

I went today to cash a personal check written on Regions Bank to me and was charged a $5.00 check cashing fee. When I complained about the fee, they told me they were doing me a service, but when in fact they are taking me for a ride. How is it legal for this bank to charge $5.00 to cash their own check?

I feel like I had $5.00 stolen from me, and 1000's if not millions of other people I'm sure have been taken by this bank also.

I went to Region Bank in Butler, Al to make a withdrawal from my checking account it did not have no balance, the teller told me to talk to Jennifer Coleman, I asked Ms. Coleman why my deposit was not showing on my checking acc., this was Region Bank mistake and Region had to send letters for checks I wrote and I still had to pay ovedraft and NSF fee's for their mistake. Now I went to Region Bank and talked to Ms. Kathie Hubert angain she didn't give me a good understanding why their was checks being held back and why I had so many difference amount of NSF fee's. I requested a copy of the checks that was paid out of this account. I did not get copies of the checks this day only gave me a copy of the overdyaft fee's. I went back to Region and talked to Kathie Hubert again and she had an attitude and I was charged for the copies and page 1 was missing .

I received a monetary Christmas gift of $5,000 from my parents. I took it to the bank and they told me that there would be a two week hold placed on the funds because I did not have that much money to cover the check. Ultimately I was charged $400 for overdrafts to my account that would not have happened if my deposit would have been available. I decided to ask my parents to wire the money instead because I couldn't afford the two weeks without our gift. My parents wired the money the next day. I asked to have the charges reversed, but to no avail. To make matters worse, I was belittled in the process. I was even charged a fee to have money wired into my account. There is alot of he said, she said going back and forth, but the outcome was that I did have the money to cover my debits, but I was not allowed access to it.

The bottom line is that I was charged $420 to receive a gift of $5,000. All I want is for the bank to reverse the charges.

Once again, this bank has tried to pull the wool over my eyes. I am in the financial industry and it amazes me that banks are not regulated closely as the fianancial industry, if they were i am sure they would not take advantage of people like they do. I have a credit card since 1994, due to my own negligence, i did not realize they were literally stealing from me on an interest rate.

I called, the young lady did lower, not as much as i wanted so i said i would pay it off and close the account. at that point she came up with a SPECIAL DEAL 2.99 FOR a period of time. so being the fool I am, I accepted. With this in mine, I paid off a higher card, then I paid 500.00 towards my old balance on this card, and made notation on my check. As usual they did not do as I ask, they applied to the 2.99 rate instead. I called, the girl was rude, she said this was disclosed to me on the phone, which it was not. She said it is in the paperwork they sent, probably in their FINE PRINT. I told her I will make a formal complaint, and close the account.

I WILL PAY MORE MONEY TO THEM DUE TO HIGH INTEREST RATE.